Know your rights ·

I applied for a mortgage modification but keep getting notices

General information for New Jersey, New York and Washington, DC · Last updated

Quick answer

Keep a complete application record and check whether any legal or sale deadline remains active.

Do now

Request a written list of missing items and the application’s status. Keep upload confirmations, copies, call notes, and denial letters. Ask a counselor or lawyer about review and appeal options and any protections that fit the timing.

Watch for

“We are reviewing it” is not a universal legal stay. Do not ignore a complaint, conference, or sale notice while waiting for the servicer.

Official sources

CFPB — Housing Insecurity, NJ Courts — Answering a Foreclosure Complaint, NY Courts — Foreclosure Information for Homeowners, DC DISB — Foreclosure Prevention.

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Speak directly with Steven J. Sico, Esq. Evening and weekend appointments are available by request.