Is my servicer already moving against me?
Your state determines how fast a foreclosure can move — and your servicer's history tells you if they'll push it. Find out where you actually stand.
Received solicitation or legal mail about your property?
Predatory buyers target distress registers. Scan letters to identify scams and timelines.
Threat Diagnostic Form
Threat Grader Ready
Submit the form to generate your Risk Score and custom homeowner defense checklist.
Risk & Legal Protections Explained
What does a Breach Letter mean?
A Breach Letter is a formal warning from your servicer indicating that you have breached your loan agreement. It establishes a 30-day window to bring your payments current (plus late fees) before the servicer accelerates the debt and initiates foreclosure.
What is the CFPB 120-Day Rule?
Under the Real Estate Settlement Procedures Act (RESPA), a mortgage servicer is legally prohibited from making the first official foreclosure filing in court or recording a trustee notice until a borrower is more than 120 days delinquent.
What is dual-tracking?
Dual-tracking occurs when a servicer proceeds with foreclosure while simultaneously reviewing the borrower's complete loss mitigation application. CFPB regulations strictly prohibit dual-tracking once a complete application is submitted.
How do I verify if a notice is real?
Never call numbers provided in unsolicited letters. Verify filings by contacting your county's Clerk of Court or Recorder of Deeds directly, or look up your official account status on your servicer's secure online portal.
Want to assess another mortgage or property?
Run a threat assessment for a different property state, county, or servicer to evaluate active timeline risk rules.
Disclaimer: HomeLeafs is an educational platform and database connection resource. Foreclosure threat scores represent estimations of risk based on state laws and standard servicing contracts. We do not provide legal advice, credit repair, or formal financial representation. Homeowners should consult with a licensed attorney or a HUD-approved counseling agency.
HomeLeafs operates nationwide in compliance with all relevant state and federal laws, including but not limited to the Texas Business and Commerce Code (TBCC Ch. 21), Florida Statutes (§501.1377), California Civil Code (§2945 et seq.), and New York General Business Law (GBL §265-b). HomeLeafs is not a foreclosure rescue consultant, distressed property consultant, or government agency.