Typically the foreclosure process in the United States is started after 3 missed payments which is roughly 90 days for anyone who is paying their mortgage on a monthly payment plan.
Statistically the cure rate after you have missed 3 payments is so low that the bank has no other choice but to foreclose.
If you can`t make your monthly payment what are the chances you will be able to make the monthly moving forward
your 3 missed payments without racking up more debt and starting a debt spiral leading to bankruptcy or debt servitude.
Unless you have a rich uncle you best stay current on your mortgage payments.
Having said that there are recourses for you if you fall behind although they all involve negotiating with the lender.
You can try to renegotiate the terms of your loan directly with the lender which would require you to be able to show how you can make good on your payments moving forward and that this period of your life was a "100 year flood" kind of problem that won`t happen again.
Three missed mortgage payments moves you onto the high credit risk category.