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Mother missed 4 mortgage payments, applied for reinstatement, but also got a statement of note being accelerated for 60K. Can someone explain?

So my mother has missed four payments on her mortgage, and never voiced that she was not paying it. I am seeking to get her help out of it. There is a statement for $4300 but also a statement that states

"As a result of the failure to cure the default, We have elected to accelerate the maturity date of the Note and all sums secured by the Security Instrument. You have the right to reinstate after acceleration. The total amount due does not include any amounts that become due after the date of this billing statement." with a 60k amount due.

Trying to understand if they can make her owe the 60K or that we have the ability to negotiate an amount to pay the default and whatever late fees occur.

Can they legally do this? and could I also apply for a loan (that equals her total loan amount) to purchase the home off of her through the lender?

Any advice helps with this portion.

submitted by /u/MaterialNo883
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source https://www.reddit.com/r/RealEstate/comments/1i8qe9u/mother_missed_4_mortgage_payments_applied_for/
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