What does it mean to reinstate a mortgage?
Reinstatement means the borrower pays everything past due, plus fees and costs, to bring the loan current and stop the foreclosure. The loan then continues as before. State law sets the deadline: in Nevada up to five days before the sale, and in Utah for three months after the notice of default.
Updated November 2026. A plain-language definition, not legal advice.
How it works
The borrower asks the servicer or trustee for a reinstatement quote. It lists the missed payments, late fees, and the trustee's and lawyer's costs so far.
Paying it in full before the deadline cancels the sale. The borrower keeps the same loan, rate and payment.
How it differs by state
Foreclosure rules are set by each state. Here is how it works in the three states we cover most closely.
Utah
Non-judicial
The borrower can reinstate for three months after the notice of default is recorded.
Foreclosure in UtahWhat to watch
Reinstatement is different from redemption. Reinstating pays the past-due amount; redeeming pays off the whole loan or the sale price.
A homeowner who sends a complete loss mitigation application early enough gets added protections under federal rules, according to the CFPB.
Questions people ask
What does it mean to reinstate a mortgage?
Reinstatement means the borrower pays everything past due, plus fees and costs, to bring the loan current and stop the foreclosure. The loan then continues as before. State law sets the deadline: in Nevada up to five days before the sale, and in Utah for three months after the notice of default.
Can you stop a foreclosure by paying what you owe?
Usually, yes, if you pay the full reinstatement amount before your state's deadline. In Nevada that is up to five days before the sale. In Utah it is three months after the notice of default. In Texas the default notice gives at least 20 days to cure.
Related terms
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