how linient is usda direct with late payments and at what point do they start foreclosure?

If you contact your mortgage loan servicer, and work with them, they will probably work with you to assist you in getting things straightened out.Every servicing group is going to be operating with different criteria, and that will be a large determinate in what happens. Usually any lender CAN startforeclosure process at about 90 days delinquent, though some may wait until 120 days -- and others, trying to work with borrower, or trying to keep frombuilding up too many foreclosed properties at one time, may delay even further. There are some folks who were told they were going to be placedin foreclosure, and nothing happened for over a year. There are others where they received all the documentation for foreclosure, within week after thefirst opportunity. It is very indeterminate.

As long as they accept a single payment, you are not in foreclosure. Once the process starts, they will want all, or a significant amount of, the past due payments.

You need to contact your servicer, as quickly as possible. In most cases they will work with you, but if you don't speak with them and are or go 90 days late they can start proceedings against you.

They're not flexible. The mortgage note says they can start foreclosure proceeds after you've missed your first payment, but most Lenders wait until the homeowner is 3 months behind.

No lender of any kind is forgiving if you don't make your payments. Your typical mortgage contract indicates they can start foreclosure after you are 90-days late. Typically they don't accept partial payments, and will demand all past due payments at one time. If you've been in contact with them, they may make a payment plan that is acceptable to both of you. But the fact remains, if you are behind, you can be foreclosed on at anytime.