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Well, if you miss a payment to the bank (in this case for your mortgage loan), your bank will definitely contact you to find out why you have missed these payments.
You can be silent for such a period of time with friends and family - but not with a bank when a payment is due :)
there is no excuse is acceptable for the bank
Take a mortgage to loose your independence.
Either the bank is expecting you to pay their due, or expecting u to skip the payments so that they can charge you a installment skip amount...