Keep sensitive documents out of analytics
Do not upload Social Security numbers, bank credentials, loan numbers, or exact balances through unapproved forms.
Ask for the servicer's current list
Package requirements can vary by servicer, investor, insurer, loan type, occupancy, hardship, and proposed exit. Request the current written checklist and clarification of any item marked missing, stale, illegible, inconsistent, or unsigned.
Separate borrower, property, transaction, and title files
Keep identity and authorization, hardship and income, property and occupancy, listing and buyer offer, settlement estimates, payoff and lien, and servicer correspondence in separate dated groups. This makes missing-item responses easier to audit without sending unrelated private material.
Track versions and expiration dates
Write down when each item was requested, sent, acknowledged, rejected, replaced, and expected to expire. Save transmission proof and the servicer's response. Do not assume that a previously submitted document remains current.
Decision comparison
| Document group | What it can establish | Privacy or quality check |
|---|---|---|
| Authority and contact | Who is applying, communicating, listing, signing, or authorizing release of information | Verify identity and authority; redact or avoid unnecessary identifiers and never share credentials. |
| Loan and hardship | Current servicer, requested program, delinquency stage, hardship, income, expenses, and borrower contribution facts | Use the servicer's list, correct statement periods, complete pages, signatures, and secure delivery. |
| Property and market | Occupancy, access, condition, listing history, value support, marketing, and buyer terms | Distinguish observations from estimates and preserve source dates. |
| Payoff, lien, and closing | Whether projected proceeds can satisfy or require approval from mortgages, claims, taxes, HOA, judgments, and other obligations | Category-level intake is not a title report or final payoff; current written evidence controls. |
Ordered next steps
- Request the servicer's written requirements and the approved secure delivery method for the active file.
- Create a private index listing each requested category, responsible person, source date, expiration date, and status without copying sensitive values into the index.
- Collect complete documents directly from authoritative sources and keep every page, signature, and attachment together.
- Review names, property identity, dates, reporting periods, totals, and signatures for consistency before transmission.
- Send the smallest complete set required through the verified channel and retain a dated transmission receipt.
- Ask for written acknowledgment, completeness status, missing-item detail, next review date, and any stated deadline.
- Repeat the version check whenever a document expires or the servicer, buyer, title evidence, offer, or closing figures change.
Private short-sale readiness checklist
Checking a box changes only this page in your browser. Nothing is submitted or saved. Use category-level facts here and keep source documents in an approved secure system.
Pause public upload and obtain qualified help when
- A trustee sale is scheduled or the live deadline is unclear.
- Ownership, death, trust, probate, divorce, bankruptcy, capacity, fraud, or signing authority is disputed or uncertain.
- A second lien, partial claim, tax, HOA, solar/PACE, judgment, or other payoff cannot be identified.
- Someone claims approval or postponement is certain, asks for advance rescue fees, asks for credentials, or pressures a title transfer.
- You need an answer about deficiency, cancellation of debt, bankruptcy, legal rights, or tax consequences.
Frequently asked questions
Should I upload documents here?
If documents are needed, we will coordinate a secure follow-up method with the required privacy notice.
Official sources to review
These sources explain general rules. They do not endorse this site or replace review of your documents.