07/22/2026
"Can a bank still foreclose on me while my loan modification application is pending?"
This is one of the common questions we get. And the answer: generally, no. Once you've submitted a complete application, federal rules generally stop your servicer from moving forward with a foreclosure sale while it's under review.
The key word is "complete." Servicers need every document they've asked for before that protection applies. So it's worth asking your servicer, in writing, to confirm your application is complete with nothing outstanding. Better to know now than after a sale date appears.
Not sure where your application stands? We help New England homeowners in NH, ME, MA, VT, and RI find out, at no cost to you π
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