Can the bank sell my house if I don’t pay my mortgage for 3 months?

Swala Nyeti Podcast
Can the bank sell my house if I don't pay my mortgage for 3 months?

My wife and I bought an apartment in Kilimani 16 years ago on a 20 year mortgage. We have been paying more or less on schedule using money from our salaries and sometimes from the business. However when the pandemic struck I lost my job and my transport business is doing very badly. We started struggling to make payments until it we realized it made more sense to buy food instead. The last three months I have paid very little and then last week I got an email from the bank. They say that they are going to sell my house. I have tried to talk to them but they don’t seem to want to listen. Can they really sell after defaulting for just three months?

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