Final answer:
The client 3 months behind on a mortgage in a non-judicial state is in default. The foreclosure timeline includes delinquency, default, notice of default, and then foreclosure. In a non-judicial state, the foreclosure process can proceed without court intervention.
Step-by-step explanation:
If a client is living in a non-judicial state and has fallen 3 months behind in her mortgage payments, she is typically considered to be in default. This means that the lender has not yet formally initiated the foreclosure process but is likely to do so soon. The key stages in the foreclosure timeline are delinquency, default, notice of default, and foreclosure. The delinquency stage occurs when a borrower first misses a payment. Once the borrower misses several payments and has not rectified the situation within the grace period, they move into the default stage. Finally, foreclosure commences, which in a non-judicial state, may proceed without court intervention once the lender issues a notice of default and a notice of sale, assuming the borrower does not make good on the owed amount.