Update 18 leaves the proof to your file. Proxara puts it there.
From 10 November an automatic extension cannot go through EVARS, so the claim file has to stand on its own evidence. Proxara finds every one in the record and files that evidence with the loan.
Handbook 4000.1
Last Revised: 8/12/2026
Appendix 6.1 - Automatic Extensions to HUD’s Initiation of Foreclosure Timeline (11/10/2026)
ExtensionDescription
- Repayment Plans
- Forbearance
- Special Forbearance
- Trial Payment Plan Failure
- Loss Mitigation
- Loss Mitigation Denial
- Pre-Foreclosure Marketing Period
- Pre-Foreclosure Sale
- Bankruptcy
- Presidentially-Declared Major Disaster Areas
- Servicemembers Civil Relief Act (SCRA)
- Federal Law or Regulations
- State Legislation
Every extension, proved before the claim.
Nobody searches the record by hand and nobody files a request HUD no longer accepts.
- All thirteen found
- Every Appendix 6.1 extension, forbearance expiration included, from the bankruptcy feed, the attorney record, the loss-mitigation history and the court record.
- Proved in the file
- The order, the page and the dates filed to the loan’s folder, with the rule version that applied.
- Ready to certify
- Block 19 and the comments written into the claim, and the requests HUD still decides prepared with their due dates.
Block 1911/10/2025
Mortgagee’s Comments
Bankruptcy, automatic 90-day extension. Relief from stay 08/12/2025; first legal action due 11/10/2025.
I certify that the use of this extension is for the reason(s) stated above.
Claim review file
Docket_58_page_3.pdfLoan_0001_summary.pdf
Docket_58_page_3.pdfLoan_0001_summary.pdfSee what the record shows on your own cases.
The Docket Run reconstructs your live foreclosures in one county from the court record, with every extension it finds and the page behind it. Nothing from you.