POINTE-CLAIRE, QC · PLAYBOOK FOR MISSED MORTGAGE PAYMENTS

Pointe-Claire Homeowners: Behind on Mortgage Payments? Read This First

Missed mortgage payments compound fast in Pointe-Claire. Late fees, credit damage, and the lender’s patience all run out faster than most homeowners expect. The good news: most options are still on the table in the first 60 days. The bad news: they narrow quickly after that.

0–30 daysWorkable

30–60 daysTight

60–90 daysCritical

90+ daysForeclosure begins

Talk to an advisor — free.

Quick 15-minute call. Every option that fits your situation in Pointe-Claire.

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How many payments behind?

Property address

Quebec-specific timeline

Foreclosure timelines vary significantly by province. Knowing where QC sits helps you understand how much room you have to act.

Quebec requires a 60-day Prior Notice of Hypothecary Rights under the Civil Code. Notary involvement is mandatory. Total timeline: 6 to 12 months. Procedure is rigid — small mistakes early have large consequences.

Pointe-Claire homeowners: your three core options

Most homeowners qualify for more than one. The right answer depends on your equity, your income, and your timeline.

Option 1 Refinance with a new lender

If you have equity in your Pointe-Claire home and stable income going forward, a B-tier or private lender may refinance even when your current bank won’t. We refer you to a broker who specializes in distressed files.

Best when: 1-3 payments behind, equity in the home, income is stable.

Option 2 Sell on a timeline you choose

We may purchase your Pointe-Claire home directly for cash on a closing date you pick. No agent commissions. No fees from you.

Best when: 2+ payments behind, foreclosure imminent, you want certainty.

Option 3 Seller-financed sale

We may structure a sale where you continue receiving monthly income from the property without owning the upkeep, taxes, or tenant headaches.

Best when: you want income without ownership responsibility.

Pointe-Claire homeowners: one free call

Fifteen minutes. No pitch. Honest assessment of what fits your situation.

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Who we are: Missed Mortgage Payments is operated by a Canadian private real estate investor serving homeowners across Quebec, including Pointe-Claire.

Who we are not: We are not a lender, bank, lawyer, paralegal, financial advisor, credit counsellor, charity, or government agency. We are not affiliated with any mortgage holder or any federal or provincial agency.

What we recommend: Before signing any sale or financing agreement, consult your own real estate lawyer and consider speaking with a non-profit credit counsellor. We will always wait while you do.