Reinstating your mortgage before the foreclosure process is something that many lenders are agreeable to. With that, many lenders are happy to accept a reinstatement arrangement. If you fall behind on your mortgage payment, reach out to your lender for a reinstatement quote. Before the foreclosure process, this quote should include back payments and late fees. But after the foreclosure process begins, a reinstatement quote would include any foreclosure fees that have been incurred.