Before a missed payment
Contact the servicer and a HUD-approved counselor before the hardship becomes a legal process.
Foreclosure timeline
A federal floor. A state process. Your actual documents.
A national timeline can orient you, but it cannot supply your legal deadline. Use it to identify the next verification, not to count down to a predicted sale.
Federal Mortgage-servicing protectionsState Court or nonjudicial processCase Your notice and verified date
Delinquency and early intervention
The servicer may contact you, send delinquency information, and request an assistance application.
Federal pre-foreclosure period
For many covered mortgage loans, Regulation X generally restricts the first foreclosure notice or filing until the obligation is more than 120 days delinquent. Exceptions and other debts can differ.
State legal process
A judicial case or nonjudicial notice sequence begins under state law. The names, service, hearings, publication, cure, and sale steps vary.
Scheduled sale
Application timing can affect federal protections. A complete application received more than 37 days before a sale can trigger important review requirements under Regulation X, but do not wait.
After sale
Redemption, court confirmation, possession, surplus, deficiency, and eviction questions depend on state law and the actual sale record.
Why 37 days appears in this guide
CFPB Regulation X sets specific duties around a complete loss-mitigation application received more than 37 days before a scheduled foreclosure sale. Other investor, insurer, guarantor, state, or court requirements may differ or add protection. Submit as early as possible and verify completeness in writing.