Sale date
If a sale or hearing date exists, state it clearly when contacting the office.
Urgent intake guide
Sale date first. Then the rest.
Send the foreclosure notice or court paper today. Mortgage statement, escrow detail, income records can follow. The office needs the date that's running before it needs the full file.
01
Upload First
The mortgage records that usually matter first in a foreclosure intake.
- Foreclosure complaint, sale notice, sheriff's sale date notice, default letter, or other active mortgage-enforcement papers.
- Most recent mortgage statement and any arrearage or escrow information.
- Recent pay stubs, tax returns, and bank statements.
- Homeowner's insurance information, property tax information, and any modification or loss-mitigation paperwork if available.
- Photo ID and Social Security card.
02
What To Explain
The details that usually matter when the timeline is driven by a property deadline.
Occupancy
Explain whether the home is your residence, rental property, or otherwise occupied differently than the loan documents expect.
Modification efforts
If you already applied for a modification, uploaded documents, or received a denial, say so and upload those records.
What is missing
State whether statements, payoff information, or tax/insurance records are still being requested.
Facing a potential foreclosure deadline?
Start with the active mortgage papers and current statement, contact the office, and keep building the same submission with the rest of the household financial records.