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ACCELERATION (Step 3), after you fail to send your past due mortgage to the lender, this action will Accelerate the full amount of the loan that is due. At this point, the lender is not asking that you pay the one or two missed payments, instead, they are requiring that you pay the total balance due under the Note (all of what you borrowed).  The lender will send you a Notice of Acceleration or an Acceleration Notice. This letter will contain the total amount that you owe under the Note and will include late fees as well as any other fees and costs that the lender had to pay on your behalf, including, but not limited to, taxes and insurance. After the Acceleration Notice is sent, and if you fail to pay the full amount due. . . . read on to see what may happen next.  

Caveat: Keep in mind that the Demand Letter and Acceleration Notice are sent during your default period, they are not sent after the 90 days of Default.