Attention: [name of your lender and representative (if you have one)] Subject: Loan Number [Your loan number

] From: [all names on loan documents] [property mailing address] I am writing because [very clearly describe the issue or the question you have and/or what action you believe the lender should take]. [note: be sure to attach copies of any related written materials] For your reference, here is what has happened to date. [include a list of all the correspondence including dates an names (if possible) of all conversations, letters, faxes, etc. all pertaining to the issue at hand] Also, for your reference, I have done the following: [list any/all actions your have taken to try to resolve this issue yourself]. Please contact me any time at [your mobile tel. number]. This is my mobile phone number and I will answer any and all calls received. I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. I appreciate your attention to this matter. Sincerely, [Your name] [NOTE: do not send this along with your mortgage payment. This should be sent separately to customer service of loss mitigation] [NOTE: this letter does not give you an excuse to miss payments and otherwise neglect your legal responsibilities] [RECOURSE: You may bring a private right of action under Section 6, if you suffer damages due to the lender's servicing of the loan. See the RESPA statute and regulations.]

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