For homeowners behind on payments · Loss mitigation call
Foreclosure notice on the counter. Rehearse before they say “we need three months upfront.”
You have the hardship letter. You don’t know what happens when collections tone kicks in on a recorded line.
You’re two months behind. The Form 710 packet is half filled out. The servicer voicemail said to call Loss Mitigation by Monday or “next steps proceed.” You’ve read the guides: say “financial hardship,” ask for a Single Point of Contact, confirm foreclosure pauses while they review. You still can’t picture stating “I want a loan modification evaluation” and then sitting there while the rep cites expired pay stubs, pushes a lump-sum cure, and says the sale date stands. Kommi puts you on that call first — with a servicer rep who deflects, demands payment today, and references dual tracking — so Monday isn’t your first take.
The magic words aren’t the hard part.
Every foreclosure blog has the same opener: ask for Loss Mitigation, say “financial hardship,” request a modification packet, confirm foreclosure pauses. You have the script. What you don’t have is muscle memory for when the rep says “your file is incomplete — we need November and December pay stubs resent” and pivots to “can you bring the loan current with $8,400 today?” while you’re trying to remember whether you already uploaded those documents.
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What’s at stake
One badly handled call can restart the foreclosure clock, lock you into a cure payment you can’t sustain, or miss the RESPA window that pauses the sale while your complete application is pending. That’s $15k–$80k in equity — and the house itself.
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Why you procrastinate
You’re afraid of saying the wrong thing on a recorded line and admitting you can’t pay. You keep re-reading the Nolo article until Monday arrives and you agree to a payment plan just to end the call.
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What guides can’t do
RESPA explainers and sample hardship letters teach the framework. They can’t simulate a rep switching from “we want to help you stay” to “foreclosure proceeds unless you pay today” in the same conversation.
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What a counselor costs
A HUD-approved counseling session runs $0–$200, but you get one conversation — not three reps across Sunday night, Monday morning, and a backup if the first rep routes you back to collections.
Sample roleplay · 3 minutes
“Your application is incomplete. We need three months current before we can review a modification.”
You’re Pat. You called Loss Mitigation, stated your hardship, and asked for a modification evaluation. Now the servicer rep pushes back.
You (Pat)
“Hi, my loan number is ending in 4821. I’m calling to request a loss mitigation evaluation due to a financial hardship — I lost my job in March and I’m two months behind. I want to apply for a loan modification to stay in the home. Can you confirm foreclosure activity will pause while my complete application is under review?”
Servicer rep
“I see you started an application online, but we’re missing your November pay stub — the one you uploaded expired because it’s older than 30 days. Before we can evaluate a modification, you’d need to bring the loan current with $8,412 — that’s the two missed payments plus fees. The sale date is still on the calendar for the 28th while we work on this.”
Your move
- → Ask for written confirmation of what documents are missing and the submission deadline
- → Cite RESPA: request confirmation foreclosure pauses once a complete application is submitted 37+ days before sale
- → Decline the lump-sum cure, propose a forbearance or trial modification with documented income instead
Each choice changes how the rep responds. The call gets tense. You practice holding your request without over-sharing bank balances, catching yourself before you agree to a cure payment you can’t make, and pinning down a Single Point of Contact before you hang up.
Then the coach reads you back to yourself.
Not a foreclosure checklist. Not a list of RESPA citations from a blog. One observation about what you did, one adjustment for next time, one sentence you can carry into Monday’s call.
Sample coach debrief
“You opened correctly — hardship language, modification request, pause confirmation. When the rep demanded $8,412 upfront, you immediately said ‘I might be able to pull that together’ and started listing your savings. That signals desperation and gives them leverage to skip modification review entirely.
Try next time: Don’t discuss specific dollar amounts you can pay until they confirm what program you qualify for. Ask: ‘Is a lump-sum cure required before any loss-mitigation evaluation, or can I submit a complete application first?’
Carry into Monday: ‘I’m requesting a written list of missing documents, my assigned Single Point of Contact, and written confirmation that foreclosure activity pauses once I submit a complete application. Please email that to me today.’”
Questions before you call loss mitigation
- Is this for first-time hardship calls or appeals after a denial?
- Both work, but this page is tuned for the initial loss-mitigation call — when you’re behind, foreclosure is looming, and you need to request a modification evaluation without getting routed to collections or pressured into a cure payment you can’t afford.
- I already have scripts from Nolo or a HUD counselor. Why practice?
- Scripts tell you what to say. They don’t prepare you for the moment the rep cites expired documents, deflects your SPOC request, or says the sale date stands. Kommi is where you hear yourself respond under pressure — and fix the over-share before it costs you the house.
- What if they keep transferring me to collections?
- That’s one of the most common paths in the roleplay. You practice repeating the hardship trigger phrase, asking for Loss Mitigation by name, and refusing to discuss payment until you’re in the right department — without hanging up and losing your place in queue.
- Is $11.99/mo worth it for one mortgage call?
- One hour with a foreclosure attorney costs more than a year of Kommi. A single misstep on the servicer call can cost tens of thousands in equity. You also get unlimited sessions across every scenario we ship: debt collectors, medical bills, landlord disputes, hard talks at work.
$11.99 a month.
A coach with a calendar runs two hundred dollars an hour. Kommi runs roughly forty cents a day — and is awake when you can't sleep, which is when most of these conversations are actually being rehearsed anyway.
We don't have a free tier, a team plan, or a premium upsell. One price, no pricing page riddle. If we add tiers later, we'll do it because users asked — not because a growth deck did.
About forty cents a day.
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- Unlimited sessions — any conversation you can describe
- A coaching read after every session, and your progress over time
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One conversation you’d have talked yourself out of is worth years of this. Or just sleep better on Wednesday. Either way.
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