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1. Re-Instatement ("Bringing your loan current"): Re-instatement occurs when the loan is brought current by paying the total amount past due. You have an absolute right to fully re-instate your loan within 90 days of being served with a notice of default. Lenders will normally accept full re-instatement at any time before the foreclosure sale occurs, even though they are not required to by law. Call your lender or trustee to obtain the amount to re-instate. The total amount paid must include all back payments, late charges, inspection fees, any advances, attorney and trustee fees.;)
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