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.
