Build one working folder
Gather documents without giving them to this site.
Foreclosure.how does not accept uploads. Use this checklist to prepare a private paper or device folder for your servicer, counselor, or attorney.
Loan and foreclosure
- Recent mortgage statements and payment history.
- Every default, acceleration, court, trustee, sheriff, or sale notice.
- All assistance applications, missing-document letters, offers, and denials.
- Notes from calls, letters sent, delivery receipts, and portal confirmations.
Income and hardship
- Recent pay statements or benefit documentation.
- Recent bank statements requested by the servicer.
- A short hardship explanation with dates and what has changed.
- A realistic monthly budget including taxes, insurance, utilities, food, transportation, and care.
Property and household
- Homeowners insurance and property-tax information.
- Association notices, other liens, and second-mortgage statements.
- Documents showing occupancy, ownership, inheritance, divorce, or probate issues when relevant.