Then I can forget about it until my phone pops up with a reminder to reach out.

Don't agree to anything over the phone with some service rep.

It results in the perverse outcome of tenants prioritizing less or non-essentials like phone, cable, internet, even credit cards over the essential of rent because these less-essentials will be shut down if they don’t pay.I totally understand the moratorium on evictions but it should be coupled with rental assistance.

How do your phone calls sound? 

@Patricia Steiner, I wish my section 8 office was great at responding to emails or phone calls quickly.  

The bank may be inclined to get an attorney involved to help stop this, or at the very least send some emails and/or make some phone calls to representatives. 

Does anyone have any experience with this and have a suggestion for something I'm able to complete possibly online/on the phone due to COVID-19 social distancing?

If so, then this could be broken by someone using many agents to make multiple offers at once.

Just a simple phone call with mortgage officer at a bank (or a few) should help clarify how much you'll need for a down payment and what interest rate you might receive - or at what point a bank would be willing to help you refinance. 

Are you F2F or on the phone?