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 progress saves in this browser. Entries may be reviewed by American Default Research to understand where people get stuck and improve this tool.
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.
Frequently Asked Questions
Is my checklist data stored on your servers?
Your checklist progress saves in your browser. Entries may also be sent to American Default Research so we can understand where people stop, improve the tool, and help when someone asks to be contacted. We do not sell your information.
Why do I need all 13 documents?
Missing documents are the #1 reason loss mitigation applications are denied or delayed. Servicers use a standardized review process under Regulation X (12 CFR § 1024.41), and an incomplete package gives them grounds to request more information — restarting the clock on your application. Having everything ready upfront gives you the strongest position.
Which documents are required vs. optional?
The first 10 items (hardship letter through insurance) are required for virtually every loss mitigation application. HOA statements, divorce decrees, and medical documentation are conditional — only include them if they apply to your situation. When in doubt, include more rather than less.
Can I save my progress across devices?
Currently, your checklist is saved only in your current browser. You can print a copy or email yourself a summary to access it elsewhere. A future update may add cross-device sync with a free account.
What should I do after gathering all documents?
Contact your servicer’s loss mitigation department (the number is on your mortgage statement). Ask them to send you their specific application form, then submit your complete package. A HUD-approved housing counselor can review your documents before submission — this is free. Call 1-800-569-4287 or find one at our directory.