Legal Question in Real Estate Law in California

It's hard to give comprehensive advice on limited information, especially when the asking party is not the affected party, but a concerned relative or friend. I must say that demads that sound this rough and unforgiving after only one missed payment seem very unusual and out of character. Does the lender have other reasons to question your mother's ability to catch up, such as a recently-reduced credit rating, another default on some other property or loan, or something? Almost everyone who misses a payment for the first time will receive some kind of reminder, but seldom this storngly worded. I would suggest a family meeting including mother and all potential heirs, to see if someone could make a loan to mom to bring her mortgage current, and to set up a plan to assure that it stays current. Offspring have responsibilities for the care of elderly parents, and they also have a vested interest in keeping appreciated assets in the family.