How to Request Mortgage Origination Documentation by Kathryn Hatter Your mortgage lender must provide mortgage-related documentation to you if you request it. The law gives you the right to request mortgage origination documentation from your lender. Whatever the situation -- whether you need the documents to analyze fees or to submit a complaint about the lender -- contact the mortgage company with your request.
Dear Sir or Madam: Section e 1 A and Reg.
Full name, address and telephone number of the actual entity that funded the transaction. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. Full name, address, and telephone number of the Trustee. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary.
Full name, address, and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any trustee or other fiduciary. A physical location address of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.
Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account. Proof of true sale of the note from alleged Lender to investors, by showing: I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest.
A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts i. A complete and itemized statement of all advances or charges against this account.
A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter.
Have you purchased and charged to the account any Force-Placed Insurance? A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other expenses related thereto.
A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan.
Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof.
Complete copy of any transaction report s indicating any charges for any "add on products" sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter.
Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter.
Verification of any notification provided to me of a change in servicer.File a Written Response with the Court Your response cannot simply be a letter or phone call. You must submit a written response in proper legal form. There are numerous options for your response.
You can find sample language to write a Demurrer in the resources listed at the end of this Guide. 4. Motion to Quash Service of Summons.
While Catalan involved five letters that the borrowers alleged were all QWRs, perhaps of most significance was the court's ruling that a letter addressed to foreclosure counsel that stated in the first sentence, "I am disputing your attempt to collect on the above-referenced account" was "unequivocally a QWR under RESPA.".
Sep 24, · Hello jmisha-- and welcome to EnglishForward. Start by writing what you would say to them in person. Post your draft letter here, and we will check it for you. A Qualified Written Request (QWR) is a powerful tool when dealing with abusive mortgage servicing companies (Litton Loan, Wells Fargo, Bank of America, etc).
This is a right under RESPA – Real Estate Settlement Practices Act – to gain information and to dispute false bills or charges. A couple of pointers. First – it must be in writing. It's best to write a letter to your mortgage lender, formally requesting guidelines.
Get your home appraised by a professional to find out its current market value. Your lender may require an appraisal even if you're asking for a cancellation based on your many payments, since the lender needs reassurance that the home hasn't declined in value.
The March 7, letter explained that the initial three- month forbearance period (September, October and November ) expired without a request to extend the forbearance and the account was referred to outside counsel for foreclosure proceedings.