Document Prep Tracker
Track the 13 documents you need for a loss mitigation application. Check items off, add notes, and print when you're ready. Saves automatically in your browser.
Check items off as you gather each document.
Be specific: job loss, medical bills, divorce, hours cut. Say what you are asking for.
Use our free generator →Include every household earner on the mortgage.
Checking, savings, and any investment accounts. Do not black out transactions.
Last 2 years if you are self-employed.
Social Security, disability, unemployment, pension, child support, alimony, rental income.
Shows your loan number, balance, payment amount, and servicer contact info.
Rent/mortgage, utilities, food, insurance, transportation, medical, childcare, minimum debt payments.
Use our financial worksheet →Shows coverage amount and annual premium.
If applicable. Include any past-due amounts.
If applicable. Includes child support or alimony obligations.
If your hardship is medical. Hospital bills, disability determination, or doctor’s letter.
Email yourself a summary
Your checklist is stored only in this browser. Nothing is sent to any server.
Why Document Preparation Matters
Missing documents are the #1 reason loss mitigation applications are denied or delayed. Under Regulation X (12 CFR § 1024.41), your servicer must evaluate a complete application within 30 days — but an incomplete submission gives them grounds to request more information, restarting the clock.
The 13 items on this checklist cover the standard documentation required by FHA, VA, conventional, and USDA loan servicers. Having everything ready before you call puts you in the strongest position. A HUD-approved counselor can review your package for completeness at no cost.
If you've already used our hardship letter generator and financial worksheet, you've covered items 1 and 8 on this list. This tracker helps you gather the remaining documents your servicer will need.
What Happens After You Submit
Once your servicer receives a complete package, Regulation X requires them to:
- Acknowledge receipt within 5 business days
- Evaluate your application within 30 days
- Not start or advance foreclosure while your application is under review (the dual tracking prohibition)
- Offer you an appeal if denied
Keep copies of everything you submit. If your servicer says your application is incomplete, use this tracker's notes to record what was sent and when.