What Questions Should I Ask My Mortgage Servicer?

Come prepared with: "What loss mitigation options am I eligible for on this specific loan?" "What documents do you need from me, and by what date?" "Who owns/services my loan, and does that affect my options?" "What happens if my application isn't complete by the foreclosure referral date?" "Can you send me everything we discussed in writing?" and "What's the name and direct extension of the person I'm speaking with?"

Writing these down before you call, and writing down the answers during the call, turns a stressful conversation into a paper trail you can actually use later.