Is that normal for nonperforming firsts in that state, or is six weeks already the part where I should be making calls?
Six weeks without movement on a nonperforming first is worth a call, but whether it signals a problem depends on what "no movement" means in your specific servicer agreement.
Here is the context that matters: Georgia is a non-judicial foreclosure state, which means the foreclosure process does not go through a court. That sounds faster, but servicers in Georgia still have to follow notice requirements, loss-mitigation review windows, and any investor or insurer guidelines before they can accelerate. If your servicer is in the early loss-mitigation phase, six weeks of apparent silence may be procedurally normal. If they have already completed that phase and should be moving toward a notice of default or foreclosure advertisement, six weeks of silence is a gap worth addressing directly.
The call I would make: contact your servicer's relationship manager or loan boarding contact and ask for a written status update. Specifically, ask where the file sits in their workflow, what the next required action is, and the expected date for that action. Get the answer in writing, even if it is just a follow-up email. That protects you and makes the conversation real for them.
One thing that often surprises people in this position: your servicer agreement likely has a reporting cadence built in, monthly updates or similar. If you have that document, checking the reporting section tells you what they are contractually required to share and when, which gives you a clearer basis for the conversation.
I am not certain whether your agreement or state-specific requirements add anything on top of the general Georgia timeline, so I would confirm the specific procedural steps with a Georgia real estate attorney, especially before deciding whether the servicer is genuinely behind.
Can you tell me what stage the file was at when the silence started, pre-mitigation review or already past that?
What's the servicer's contractual reporting interval, monthly or bi-weekly, because if they're inside their own SLA the six weeks framing kind of dissolves.
Georgia nonjudicial moves fast once it starts, but servicers sitting on NP firsts before initiating is genuinely common down there, especially shops running lean on their default desk. I had a gap position in a Memphis deal where the servicer went quiet for eleven weeks and it turned out they were just backlogged, nothing sinister, but I still wish I had pushed harder at week four because that is when you have the cleanest standing to demand a call.
