If you miss a mortgage payment, it can have serious consequences on your credit score and your home ownership. Here's what can happen:

1. Late fees: Your lender will charge a late fee, which can be a percentage of your monthly payment or a flat fee.

2. Negative credit reporting: Missed payments are reported to credit bureaus, which can lower your credit score.

3. Loan default: Multiple missed payments can lead to loan default, allowing the lender to start foreclosure proceedings.

4. Foreclosure: If you're unable to bring the loan current, the lender can seize and sell your home to recoup losses.

5. Credit score damage: Foreclosure can significantly lower your credit score, making it harder to get credit in the future.

6. Legal action: Lenders can also take legal action against you for unpaid debt.

If you're struggling to make payments, it's essential to:

1. Contact your lender to discuss options like forbearance, modification, or refinancing.

2. Seek help from a housing counselor or credit advisor.

3. Prioritize your mortgage payments to avoid further delinquency.

Remember, communication and proactive steps can help mitigate the consequences of missing a mortgage payment.