{"version":"1.0","type":"card","id":"03284056-c128-4ef0-a623-652b992310da","url":"https://stacklist.com/card/03284056-c128-4ef0-a623-652b992310da","title":"What Happens After You Apply for Mortgage Help (CFPB)","source_url":"https://www.consumerfinance.gov/ask-cfpb/what-happens-after-i-complete-an-application-to-determine-my-options-to-avoid-foreclosure-en-1851/","note":"Timing matters in a short sale: submit your complete application more than 37 days before a scheduled foreclosure sale and your servicer must respond in writing within 30 days. Know the deadlines before they know you.","image":{"url":"https://ucarecdn.com/aa6a94aa-923a-42b9-93fb-b2ba2905d93a/","alt":"What Happens After You Apply for Mortgage Help (CFPB)","width":6720,"height":4480},"stack":{"id":"1fd2d972-b0dd-491a-9c6d-6384039957d1","title":"Short Sale Help in Jacksonville","url":"https://stacklist.com/c/finance/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1"},"created_at":"2026-07-16T05:04:38.395Z","updated_at":null,"aco":{"summary":"This reference page explains what happens after a homeowner submits a mortgage assistance application to avoid foreclosure, including servicer response timelines and possible outcomes. It covers key protections under CFPB rules, such as the 37-day application deadline, the 30-day response requirement, appeal rights, and the 120-day delinquency threshold before foreclosure can begin.","tags":["mortgage","foreclosure","loss-mitigation","loan-modification","servicer","consumer-protection","housing"],"key_entities":[{"name":"CFPB","type":"organization","confidence":0.98},{"name":"loss mitigation","type":"concept","confidence":0.95},{"name":"foreclosure","type":"concept","confidence":0.97},{"name":"loan modification","type":"concept","confidence":0.92},{"name":"mortgage servicer","type":"concept","confidence":0.9},{"name":"foreclosure sale","type":"concept","confidence":0.85}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-16T05:04:49.999Z"},"token_counts":{"approximate":684,"cl100k":530},"content_hash":"sha256:83b412589f46e374435897e17e0b74d220622d6e95ae304db9176ac0cf5fc309","acp_version":"0.2","body_available":true,"body_tokens":684,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/03284056-c128-4ef0-a623-652b992310da.json","html":"https://stacklist.com/card/03284056-c128-4ef0-a623-652b992310da","md":"/api/public/card/03284056-c128-4ef0-a623-652b992310da.md","stack_json":"/api/public/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1.json"}}