Your Follow-up Command Center

Your Loss Mitigation Application has been submitted. From this point forward, timing governs leverage. Servicers operate within regulatory timelines. Your role now is to monitor progress, document communication, and maintain a clear record of events.

Use the sections below to follow the timeline and record activity as your application moves through the review process. Each step below includes actions you may need to take. When activity occurs, use the Log Activity button to record the event.

Protection 1 - Timeline Protection

Send Certified Mail Return Receipt Requested

Complete your application and send it via certified mail with return receipt requested.

Then record it under Certified Mail Sent in Log Activity.

Log Expected Delivery Date

Use your USPS tracking to find the expected delivery date for your certified mail.
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Then record it under Expected Delivery Date in Log Activity.

Confirm Servicer Receipt

Confirm the date your servicer received your certified mail using USPS delivery confirmation.

Then record it under Servicer Receipt Confirmed in Log Activity.

Protection 2 - Market Protection

Contact Realtor

Contact a Zanaggle-vetted realtor and schedule your property walkthrough. During the call, focus on the following:

Schedule your walkthrough date
Confirm their understanding that you would like a Net Sheet to aid in your decision process.
Ask if they want any information or documents in advance, or if they prefer to review everything in person

Then record the scheduled date under Realtor Walkthrough Date in Log Activity.

Watch Video #1 in your Education Series: Forbearance

Watch Video #1 in your Education Series: Forbearance

Protection 3 - Exit Protection

Contact Investor

Contact a Zanaggle-vetted investor and schedule your property walkthrough. During the call, focus on the following:

Schedule your walkthrough date as soon as possible
Let them know you need to meet before signing anything with a realtor and request their earliest availability
Confirm they will provide an offer or net proceeds estimate after the walkthrough
Ask if they want any information in advance, or if they prefer to review everything in person

Then record the scheduled date under Investor Walkthrough Date in Log Activity.

Watch Video #2 in your Education Series: Loan Modification

Day 4 - Acknowledgement Pursuit

Day 4 - Application Acknowledgement Pursuit

Your Loss Mitigation Application should now be visible in the servicer’s system.

Federal servicing timelines generally require acknowledgment within five business days.
Your goal is to confirm your application has been received and is in their system.

If you have not received acknowledgment, call your servicer.

During the call confirm:
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• Your Loss Mitigation Application is in their system.
• Ask whether a loss mitigation specialist or case manager has been assigned.
• Confirm whether the application appears complete or missing documents.
• Record the representative’s name, department, and any reference number.
• Ask when you should expect the formal acknowledgement notice.

Then record the call in Log Activity.

Watch Video #3 in your Education Series: Repayment Plan

Day 5 - Compliance Deadline & Realtor Checkup

Today marks the end of the servicer’s five-business-day acknowledgement window.

Servicers are generally required to confirm receipt of a loss mitigation application within this timeframe. Your goal today is simply to confirm that acknowledgement has been issued or is about to be issued, while continuing to document communication.

If acknowledgment has not been received, call your servicer.

During the call, confirm:

• Whether the acknowledgement notice has been issued.
• Whether your application is considered complete or missing documents.
• If anything is missing, what is required.
• The representative’s name, department, and any reference number.
• When to expect the written acknowledgement.

Then record the call in Log Activity.

Also:
Review your latest Realtor update to stay informed about buyer activity and market feedback.

Watch Video #4 in your Education Series: Partial Claim (FHA) / Deferral (Conventional)

You've Officially Received Acknowledgement

Your servicer has confirmed receipt of your Loss Mitigation Application. Your file has now entered the review phase.

Servicers typically have up to thirty days to evaluate a complete loss mitigation application and determine available options. During this period, your role is to remain organized, responsive, and continue documenting communication.

Call the servicer to confirm that your application has entered the active review process.

During the conversation:

• Confirm the application has been assigned to a loss mitigation specialist or review team.
• Ask whether the servicer considers the application complete or missing documents.
• If documents are requested, ask for a clear list of what is required.
• Inform the servicer that the property is currently listed while the review is underway.
• If your goal is to keep the home, clearly state that your preference is to retain the property if the servicer offers a viable solution.
• Provide your Realtor’s contact information in case the servicer needs to coordinate regarding the listing.
• Ask the representative for the expected timeline for the review decision.

Log the Servicer call in your Activity Log

Upload the servicer acknowledgement notice for your records in the Activity Log.

Watch Video #5 in your Education Series: Pre-foreclosure / Short Sale

After Acknowledgement – Preparation Window (Days 6-14)

After Acknowledgement
– Preparation Window

Your servicer has acknowledged receipt of your Loss Mitigation Application and your file has entered the review stage.

During this period the servicer evaluates your financial information and determines what options may be available.Use this time to stay organized and prepare for the potential outcomes of the review.

Watch Video #6 in your Education Series: Deed in Lieu of Foreclosure

Review the loss mitigation education videos so you understand the options the servicer may offer.

Understanding these options ahead of time will help you make a clear decision when the servicer responds.
During this step:

• Watch the videos explaining the most common loss mitigation outcomes.
• Pay attention to the options that align with your personal goal for the property.
• Make note of any questions you may want to ask the servicer when they respond.

Determine your preferred outcome based on the options you reviewed.

After watching the education videos, consider which outcome best aligns with your goals.

During your next conversation with the servicer:

• Clearly communicate whether your preference is to retain the home if possible.
• If retention options are not feasible, indicate whether you would prefer a cooperative sale or other resolution.
• Record the conversation so your preference becomes part of the documented record.

Log your "Servicer Preference Discussion" in your Activity Log

Day 15 |
Midpoint Complaince Review

Day 15 | Midpoint Compliance Review

Your Loss Mitigation Application has now been under review for approximately two weeks.

Servicers often require time to evaluate financial documents, verify information, and determine available options.Today’s goal is simply to confirm that the review process is progressing normally and that no additional documentation is required.

Call the servicer to check on the status of your loss mitigation review.

During the conversation:
• Ask whether your application review is currently in progress.
• Confirm whether the servicer needs any additional documents or clarification.
• Ask whether there is an estimated timeframe for the review decision.
• Record the representative’s name and department.
• Document any updates regarding the review timeline.

Continue reviewing your latest Realtor updates to stay informed about buyer activity and market feedback.

Guidance
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The purpose of this step is not to pressure the servicer, but to ensure your file continues moving forward without delays caused by missing information.

Continue documenting all communication through the Log Activity tool so your timeline remains organized and transparent.

Day 22 |
Status Confirmation

Day 22 — Status Confirmation

Your loss mitigation application has now been under review for several weeks.

At this stage, servicers are often nearing the completion of their internal evaluation. Today’s objective is simply to confirm that the review is progressing normally and that no additional information is required.

Call the servicer to request a status update on your loss mitigation review.

During the conversation:

• Ask whether the review of your application is still in progress.
• Confirm that the servicer does not require any additional documents from you.
• Ask whether there is an updated estimate for when a decision may be issued.
• Record the representative’s name and department.
• Document any timeline updates or notes regarding the review status.

Log the Servicer Call

Review your latest Realtor update to stay informed about buyer activity and market feedback.

Guidance
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Servicer reviews can take time. Maintaining occasional, professional follow-up helps ensure your file remains active while the evaluation is completed.

Continue documenting all communication using the Log Activity tool so your records remain organized.

Day 27 |
Pre-Decision Check

Day 27 — Pre-Decision Check

Your loss mitigation application has now been under review for several weeks.

Servicers often complete their internal evaluation around this stage of the review period.

Today’s goal is to confirm whether the review process is nearing completion and whether a decision is expected soon.

Call the servicer to confirm the status of your loss mitigation review and whether a decision is approaching.

During the conversation:

• Ask whether the review of your application is nearing completion.
• Confirm that the servicer does not require any additional documentation.
• Ask whether a decision or determination letter is expected soon.
• Record the representative’s name and department.
• Document any timeline updates or notes regarding the status of the review.

Log your call in Log Activity

Review your latest Realtor update to stay informed about buyer activity and market feedback.

Guidance
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By this stage of the process, the servicer may be close to completing their evaluation. Maintaining clear and professional communication helps ensure that any final steps can move forward smoothly.

Continue documenting all communication using the Log Activity tool so your records remain organized.

Day 30 |
Decision Window Follow-Up

Day 30 | Decision Window Follow-Up

Your Loss Mitigation Application has now been under review for 30 days.

Servicers often complete their evaluation within this timeframe and issue a determination regarding available options.

Today’s goal is to confirm whether a decision has been issued or when a final determination is expected.

Call the servicer to request an update on the final determination of your loss mitigation review.

During the conversation:

• Ask whether a final decision has been issued on your application.
• If a decision has been made, ask when you should expect the determination letter or documentation.
• If the review is still in progress, ask for an updated timeframe for the final determination.
• Record the representative’s name and department.
• Document any updates regarding the decision timeline.

Log the call in Activity

Review your most recent Realtor update to stay informed about market activity.

Your Realtor provides weekly market updates through the Zanaggle system, including buyer inquiries, showings, and feedback from agents or potential buyers.

Staying aware of market activity helps ensure you remain prepared if a property sale becomes part of the resolution strategy.

Realtor Communication Updates

Your Zanaggle-vetted Realtor provides weekly market updates through the Zanaggle system so you remain informed about listing activity and buyer interest.

These updates typically include:

• buyer inquiries
• showing activity
• feedback from agents or buyers
• relevant market observationsYou will automatically see these updates inside your dashboard as they are submitted.

You will automatically see these updates inside your dashboard as they are submitted.
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Most homeowners will not need to initiate frequent conversations with their Realtor, because this reporting keeps communication consistent and transparent.

You may contact your Realtor directly if:
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• you have a specific question about the listing
• unusual market activity occurs
• a weekly update is not submitted as expected

Log viewing Realtor updates in your Activity

Your Follow-up Command Center

Protection 1 - Timeline Protection

Protection 2 - Market Protection

Protection 3 - Exit Protection

What This Unlocks

Upload Certified Mail Receipt

Log Expected Delivery Date

Log Servicer Receipt Date

Log Realtor Contact

Your Follow-up Command Center

Protection 1 - Timeline Protection

Send Certified Mail Return Receipt Requested

Log Expected Delivery Date

Confirm Servicer Receipt

Protection 2 - Market Protection

Contact Realtor

Protection 3 - Exit Protection

Contact Investor

You've Officially Received Acknowledgement

Day 15 |Midpoint Complaince Review

Day 22 |Status Confirmation

Day 27 |Pre-Decision Check

Day 30 |Decision Window Follow-Up

What This Unlocks

Upload Certified Mail Receipt

Log Expected Delivery Date

Log Servicer Receipt Date

Log Realtor Contact

Day 15 |
Midpoint Complaince Review

Day 22 |
Status Confirmation

Day 27 |
Pre-Decision Check

Day 30 |
Decision Window Follow-Up