There are many reasons why a homeowner will become stressed for money and unable to make the required mortgage payments. Perhaps there has been a loss of income. Either the main breadwinner or secondary income earner had lost a job. Perhaps there is a death in the family, major illness and time loss at work.
There may have been unexpected repairs, or an unforeseen inability to meet all debt accumulation from various sources, including meeting the adjustable interest rates stipulated in the mortgage.