https://proxara.ai/assets/ServicersUpdate18Page-DzbYbr77.js

1import{a as _,j as e}from"./react-DGoxplz3.js";import{P as i,u as v,N as k,S as N,C as b,F as $,M as F}from"./index-w4AEbgvg.js";import{S,a as A}from"./ShwCloser-CSstppAa.js";import{a as P}from"./ShwHuman-Fp0-x3z1.js";import{a as y,u as R}from"./useFitScale-Bw9TpC9u.js";import{u as w}from"./useSeen-BVvC8JlJ.js";import{F as j}from"./tokens-CKc1pMjG.js";import{I as C,S as z}from"./isoBody-DEuaOw-u.js";import"./react-dom-CNQPkgvC.js";import"./motion-Cw1A8_VF.js";const D=[{name:"Repayment Plans",lines:[92,64]},{name:"Forbearance",lines:[96,78],added:!0},{name:"Special Forbearance",lines:[90,52]},{name:"Trial Payment Plan Failure",lines:[94,70]},{name:"Loss Mitigation",lines:[98,84]},{name:"Loss Mitigation Denial",lines:[92,60]},{name:"Pre-Foreclosure Marketing Period",lines:[88,58]},{name:"Pre-Foreclosure Sale",lines:[94,66]},{name:"Bankruptcy",lines:[96,72]},{name:"Presidentially-Declared Major Disaster Areas",lines:[90,62]},{name:"Servicemembers Civil Relief Act (SCRA)",lines:[86,48]},{name:"Federal Law or Regulations",lines:[94,74]},{name:"State Legislation",lines:[92,56]}],h=640,u=760;function E({className:o}){const a=_.useRef(null),s=y(a,h,u,.72,"width",.5),n=w(a,.15);return e.jsxs("div",{ref:a,className:`u18a${n?" is-on":""}${o?` ${o}`:""}`,role:"img","aria-label":"A page of Handbook 4000.1, Appendix 6.1, Automatic Extensions to HUD's Initiation of Foreclosure Timeline, lying on the disc: the thirteen extensions by name, Repayment Plans, Forbearance, Special Forbearance, Trial Payment Plan Failure, Loss Mitigation, Loss Mitigation Denial, Pre-Foreclosure Marketing Period, Pre-Foreclosure Sale, Bankruptcy, Presidentially-Declared Major Disaster Areas, SCRA, Federal Law or Regulations and State Legislation, with Forbearance marked by a highlighter, and HUD's seal on a white plate off the corner.",children:[e.jsx("style",{children:U}),e.jsxs("div",{className:"u18a__canvas",style:{transform:`scale(${s})`},children:[e.jsx("span",{className:"u18a__bloom","aria-hidden":!0}),e.jsxs("div",{className:"u18a__sheet",children:[e.jsx("div",{className:"u18a__run",children:e.jsx("span",{children:"Handbook 4000.1"})}),e.jsx("div",{className:"u18a__run u18a__run--2",children:e.jsx("span",{children:"Last Revised: 8/12/2026"})}),e.jsx("p",{className:"u18a__title",children:"Appendix 6.1 - Automatic Extensions to HUD’s Initiation of Foreclosure Timeline (11/10/2026)"}),e.jsxs("div",{className:"u18a__th",children:[e.jsx("span",{children:"Extension"}),e.jsx("span",{children:"Description"})]}),e.jsx("ol",{className:"u18a__rows",children:D.map((r,c)=>e.jsxs("li",{className:`u18a__row${r.added?" is-added":""}`,style:{"--d":`${.16+c*.04}s`},children:[r.added?e.jsx("span",{className:"u18a__hl","aria-hidden":!0}):null,e.jsx("span",{className:"u18a__name",children:r.name}),e.jsxs("span",{className:"u18a__desc","aria-hidden":!0,children:[e.jsx("i",{style:{width:`${r.lines[0]}%`}}),e.jsx("i",{style:{width:`${r.lines[1]}%`}})]})]},r.name))})]}),e.jsx("div",{className:"u18a__plate","aria-hidden":!0,children:e.jsx(z,{tone:"plate",className:"u18a__plate__s",children:e.jsx("img",{width:365,height:365,src:"/marks/hud-seal.svg",alt:"",loading:"eager",decoding:"async",draggable:!1})})})]})]})}const U=`
2${C}
3.u18a { position: relative; width: 100%; aspect-ratio: ${h} / ${u}; font-family: ${j}; color: ${i.ink}; -webkit-font-smoothing: antialiased; }
4.u18a *, .u18a *::before, .u18a *::after { box-sizing: border-box; }
5.u18a__canvas { position: absolute; left: 0; top: 0; width: ${h}px; height: ${u}px; transform-origin: 0 0; }
6.u18a__bloom { position: absolute; left: 40px; top: 60px; width: 560px; height: 660px; border-radius: 50%; display: block; filter: blur(60px);
7  background: radial-gradient(closest-side, rgba(181, 240, 227, 0.55) 0%, rgba(181, 240, 227, 0) 76%); }
8.u18a__sheet { position: absolute; left: 58px; top: 54px; width: 510px; height: 664px; padding: 30px 34px 24px; border-radius: 6px;
9  background: linear-gradient(172deg, #FFFFFF 0%, #FBFCFB 60%, #F3F5F4 100%);
10  box-shadow: 0 2px 4px rgba(4, 30, 26, 0.28), 0 60px 110px -34px rgba(2, 24, 21, 0.78), inset 0 0 0 1px rgba(10, 22, 40, 0.06);
11  transform: rotate(-3deg);

11 opacity: 0; translate: 0 16px; transition: opacity 0.6s ease, translate 0.9s cubic-bezier(0.16, 1, 0.3, 1); }
12.u18a.is-on .u18a__sheet { opacity: 1; translate: 0 0; }
13.u18a__run { display: flex; justify-content: space-between; font-size: 11.5px; color: #64748B; letter-spacing: 0.01em; }
14.u18a__run--2 { margin-top: 2px; padding-bottom: 12px; border-bottom: 1px solid rgba(10, 22, 40, 0.16); }
15.u18a__title { margin: 20px 0 16px; font-size: 16px; font-weight: 600; line-height: 1.35; letter-spacing: -0.005em; color: ${i.ink}; max-width: 360px; }
16.u18a__th { display: grid; grid-template-columns: 186px 1fr; gap: 16px; padding: 7px 10px; border-radius: 3px; background: #E8EDF1; font-size: 11.5px; font-weight: 600; color: #334155; }
17.u18a__rows { margin: 0; padding: 0; list-style: none; }
18.u18a__row { position: relative; display: grid; grid-template-columns: 186px 1fr; gap: 16px; align-items: center; min-height: 34px; padding: 6px 10px; border-bottom: 1px solid rgba(10, 22, 40, 0.08);
19  opacity: 0; transition: opacity 0.5s ease var(--d, 0s); }
20.u18a.is-on .u18a__row { opacity: 1; }
21.u18a__name { position: relative; z-index: 1; font-size: 12.5px; font-weight: 500; line-height: 1.25; color: #1E293B; }
22.u18a__desc { position: relative; z-index: 1; display: flex; flex-direction: column; gap: 6px; }
23.u18a__desc i { display: block; height: 5px; border-radius: 3px; background: rgba(10, 22, 40, 0.11); }
24/* the highlighter, laid across the Forbearance row the way a person marks a
25   page: a little crooked, a little past the edges */
26.u18a__hl { position: absolute; z-index: 0; left: 2px; right: 2px; top: 3px; bottom: 3px; border-radius: 4px 10px 6px 12px; display: block;
27  background: linear-gradient(90deg, rgba(252, 211, 77, 0.78) 0%, rgba(251, 191, 36, 0.7) 60%, rgba(252, 211, 77, 0.6) 100%);
28  transform: rotate(-0.8deg) scaleX(0); transform-origin: 0 50%; transition: transform 0.7s cubic-bezier(0.16, 1, 0.3, 1) 0.9s; mix-blend-mode: multiply; }
29.u18a.is-on .u18a__hl { transform: rotate(-0.8deg) scaleX(1); }
30.u18a__row.is-added .u18a__name { font-weight: 600; color: ${i.ink}; }
31.u18a__row.is-added .u18a__desc i { background: rgba(120, 53, 15, 0.2); }
32
33/* HUD's seal, a white plate standing off the sheet's top right corner */
34.u18a__plate { position: absolute; left: 470px; top: 8px; width: 132px; z-index: 3; perspective: 700px;
35  opacity: 0; transition: opacity 0.6s ease 0.3s; }
36.u18a.is-on .u18a__plate { opacity: 1; }
37.u18a__plate .iso-slab { position: relative; width: 100%; aspect-ratio: 1; --t: 12px; --iso-r: 16px; transform: rotateX(16deg) rotateZ(-9deg); }
38.u18a__plate .iso-slab__face { display: grid; place-items: center; }
39.u18a__plate .iso-slab__cast { left: 10%; right: -8%; top: 30%; bottom: -24%; border-radius: 26px; background: rgba(2, 24, 21, 0.5); filter: blur(14px); transform: translateZ(-70px); }
40.u18a__plate img { display: block; width: 60%; height: auto; }
41@media (prefers-reduced-motion: reduce) { .u18a__sheet, .u18a__row, .u18a__hl, .u18a__plate { transition: none !important; } }
42`,t=12,x=860,g=700,m=560,f=800;function d({className:o,w:a,h:s,r:n,d:r,children:c}){const l="ug"+_.useId().replace(/[^a-zA-Z0-9]/g,"");return e.jsxs("div",{className:`u18c-gls ${o}`,style:{width:a+t,height:s+t,"--d":`${r}s`},children:[e.jsxs("svg",{className:"u18c-gls__edge",width:a+t,height:s+t,viewBox:`0 0 ${a+t} ${s+t}`,"aria-hidden":!0,children:[e.jsxs("defs",{children:[e.jsxs("linearGradient",{id:`${l}g`,x1:"0",y1:"0",x2:"1",y2:"1",children:[e.jsx("stop",{offset:"0",stopColor:"#FBBF24"}),e.jsx("stop",{offset:"0.3",stopColor:"#D97706"}),e.jsx("stop",{offset:"0.68",stopColor:"#0F766E"}),e.jsx("stop",{offset:"1",stopColor:"#155E75"})]}),e.jsxs("mask",{id:`${l}m`,maskUnits:"userSpaceOnUse",x:"0",y:"0",width:a+t,height:s+t,children:[e.jsx("rect",{width:a+t,height:s+t,fill:"#fff"}),e.jsx("rect",{x:t,y:"0",width:a,height:s,rx:n,fill:"#000"})]})]}),e.jsx("g",{mask:`url(#${l}m)`,fill:`url(#${l}g)`,children:Array.from({length:t+1},(L,p)=>e.jsx("rect",{x:t-p,y:p,width:a,height:s,rx:n},p))})]}),e.jsx("div",{className:"u18c-gls__face",style:{left:t,width:a,height:s,borderRadius:n},children:c})]})}function H(){const o=_.useRef(null),a=R("(max-width: 760px)"),s=y(o,a?m:x,a?f:g,.7,"width",.62),n=w(o,.2);return e.jsxs("div",{ref:o,className:`u18c${n?" is-on":""}${a?" is-phone":""}`,role:"img","aria-label":"A specialist at a laptop, and over the photograph three frosted glass panels for synthetic 

42Loan 0001: block 19, 11/10/2025; the Mortgagee's Comments, bankruptcy, automatic 90-day extension, relief from stay 08/12/2025, first legal action due 11/10/2025, and the sentence I certify that the use of this extension is for the reason(s) stated above; and the claim review file with the docket page and the loan summary.",children:[e.jsx("style",{children:M}),e.jsxs("div",{className:"u18c__canvas",style:{transform:`scale(${s})`},children:[e.jsx("span",{className:"u18c__glow","aria-hidden":!0}),e.jsx("img",{className:"u18c__photo",src:"/people/servicer-laptop-1-768.webp",srcSet:"/people/servicer-laptop-1-480.webp 480w, /people/servicer-laptop-1-768.webp 768w, /people/servicer-laptop-1-1200.webp 1200w, /people/servicer-laptop-1.webp 1400w",sizes:"(max-width: 899px) 420px, (max-width: 1799px) 520px, 700px",alt:"",width:1400,height:933,loading:"lazy",decoding:"async",draggable:!1}),e.jsxs(d,{className:"u18c-gls--b19",w:236,h:112,r:16,d:.1,children:[e.jsx("span",{className:"u18c__k",children:"Block 19"}),e.jsx("span",{className:"u18c__date",children:"11/10/2025"})]}),e.jsxs(d,{className:"u18c-gls--cmt",w:452,h:226,r:18,d:.25,children:[e.jsx("span",{className:"u18c__k",children:"Mortgagee’s Comments"}),e.jsx("p",{className:"u18c__cmt",children:"Bankruptcy, automatic 90-day extension. Relief from stay 08/12/2025; first legal action due 11/10/2025."}),e.jsx("span",{className:"u18c__rule"}),e.jsx("p",{className:"u18c__cert",children:"I certify that the use of this extension is for the reason(s) stated above."})]}),e.jsxs(d,{className:"u18c-gls--file",w:300,h:150,r:16,d:.4,children:[e.jsx("span",{className:"u18c__k",children:"Claim review file"}),e.jsxs("span",{className:"u18c__f",children:[e.jsx("img",{src:"/marks/acrobat.svg",alt:"",width:240,height:234}),"Docket_58_page_3.pdf"]}),e.jsxs("span",{className:"u18c__f",children:[e.jsx("img",{src:"/marks/acrobat.svg",alt:"",width:240,height:234}),"Loan_0001_summary.pdf"]})]})]})]})}const M=`.u18c{position:relative;width:100%;aspect-ratio:${x} / ${g};font-family:${j};color:${i.ink};-webkit-font-smoothing:antialiased}.u18c *,.u18c *::before,.u18c *::after{box-sizing:border-box}.u18c__canvas{position:absolute;left:0;top:0;width:${x}px;height:${g}px;transform-origin:0 0}.u18c__glow{position:absolute;left:700px;top:120px;width:170px;height:420px;border-radius:50%;display:block;filter:blur(38px);background:linear-gradient(180deg,rgba(20,184,166,0.85) 0%,rgba(14,116,144,0.7) 45%,rgba(245,158,11,0.8) 100%)}.u18c__photo{position:absolute;left:190px;top:44px;width:640px;height:572px;border-radius:28px;object-fit:cover;object-position:78% 40%;display:block;box-shadow:0 40px 80px -40px rgba(10,22,40,0.5)}.u18c-gls{position:absolute;opacity:0;transform:translateY(14px);transition:opacity 0.6s ease var(--d,0s),transform 0.9s cubic-bezier(0.16,1,0.3,1) var(--d,0s)}.u18c.is-on .u18c-gls{opacity:1;transform:none}.u18c-gls__edge{position:absolute;left:0;top:0;display:block}.u18c-gls__face{position:absolute;top:0;overflow:hidden;display:flex;flex-direction:column;background:linear-gradient(150deg,rgba(255,255,255,0.84) 0%,rgba(236,250,247,0.68) 55%,rgba(253,244,226,0.64) 100%);-webkit-backdrop-filter:blur(18px) saturate(1.25);backdrop-filter:blur(18px) saturate(1.25);box-shadow:inset 0 0 0 1.5px rgba(255,255,255,0.8),0 40px 70px -34px rgba(10,22,40,0.45)}.u18c-gls--b19{left:40px;top:70px}.u18c-gls--b19 .u18c-gls__face{padding:20px 24px;justify-content:center}.u18c-gls--cmt{left:70px;top:238px}.u18c-gls--cmt .u18c-gls__face{padding:22px 26px}.u18c-gls--file{left:520px;top:500px}.u18c-gls--file .u18c-gls__face{padding:18px 22px;gap:10px}.u18c__k{display:block;font-size:14px;font-weight:600;letter-spacing:0.01em;color:${i.tealDeep}}.u18c__date{display:block;margin-top:8px;font-size:34px;font-weight:400;letter-spacing:-0.01em;color:${i.ink};font-variant-numeric:tabular-nums}.u18c__cmt{margin:12px 0 0;font-size:18px;line-height:1.45;color:${i.inkSoft}}.u18c__rule{display:block;height:1px;margin:14px 0 12px;background:rgba(10,22,40,0.14)}.u18c__cert{margin:0;font-size:18px;line-height:1.45;font-weight:500;color:${i.ink}}.u18c__f{display:flex;align-items:center;gap:10px;font-size:16px;font-weight:500;color:${i.inkSoft};white-space:nowrap}.u18c__f img{display:block;width:20px;height:auto;flex:none}.u18c.is-phone{aspect-ratio:${m} / ${f}}.u18c.is-phone .u18c__canvas{width:${m}px;height:${f}px}.u18c.is-phone .u18c__photo{left:60px;top:20px;width:480px;height:420px;object-position:75% 40%}.u18c.is-phone .u18c__glow{left:420px;top:60px;height:360px}.u18c.is-phone .u18c-gls--b19{left:8px;top:36px}.u18c.is-phone .u18c-gls--cmt{left:16px;top:380px}.u18c.is-phone .u18c-gls--file{left:250px;top:630px}@media (prefers-reduced-motion:reduce){.u18c-gls{transition:none;opacity:1;transform:none}}`,B="https://www.hud.gov/sites/default/files/Housing/documents/40001-

42hsgh-Update-18.pdf";function J(){return v("servicers"),e.jsxs("div",{className:"shw",children:[e.jsx(k,{theme:"dark",content:N}),e.jsxs("main",{id:"main-content",style:{overflowX:"clip"},children:[e.jsx(S,{content:{title:"Update 18 leaves the proof to your file. Proxara puts it there.",body:"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.",figure:e.jsx(E,{className:"shwh__frames"}),board:!1,paths:e.jsxs(e.Fragment,{children:[e.jsx(b,{href:"/servicers/sample#run-the-record",children:"See it on your own cases"}),e.jsx(b,{kind:"tertiary",href:B,target:"_blank",rel:"noopener noreferrer",children:"Read Update 18"})]})}}),e.jsx(P,{content:{id:"for-the-file",title:"Every extension, proved before the claim.",body:"Nobody searches the record by hand and nobody files a request HUD no longer accepts.",points:[{k:"All thirteen found",v:"Every Appendix 6.1 extension, forbearance expiration included, from the bankruptcy feed, the attorney record, the loss-mitigation history and the court record."},{k:"Proved in the file",v:"The order, the page and the dates filed to the loan’s folder, with the rule version that applied."},{k:"Ready to certify",v:"Block 19 and the comments written into the claim, and the requests HUD still decides prepared with their due dates."}],figure:e.jsx(H,{})}}),e.jsx(A,{content:{title:"See what the record shows on your own cases.",body:"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.",cta:{label:"See it on your own cases",href:"/servicers/sample#run-the-record"}}}),e.jsx("div",{style:{position:"relative",zIndex:3,background:i.ground},children:e.jsx($,{content:F})})]})]})}export{J as default};