You will get a limited period of 90 days before the financial institution begins processing of foreclosure.
After you are served with foreclosure papers.
If the one succeeds in paying within 90 days
from the expected or deadline of payments,
bank will not begin its process of foreclosure and simply charges a penalty or late fee.
So to avoid the foreclosure procedure one should strive to come up with the payment within the 3 months windows from the day of being served.
I hope so this helps you a lot.
Best of luck.