The last thing that a bank, credit union or insurer wants is to take back your house.
All the insurers have programs in place to help you keep your house during troubled times. Whether it's no payments for a period of time or reduced payments, they all want to work it out.
Most if not all financial institutions have skip-a-payment plans or can capitalize overdue payments.
Once you get behind it can be difficult to catch up, capitalizing adds the deliquent payment back onto the mortgage balance.