DATE: ___________________________________

TO: ___________________________________
___________________________________
___________________________________
___________________________________
Re: Loan No.: ___________________________________
HOMEOWNERS NAME: ___________________________________
Property Address: ___________________________________
___________________________________

QUALIIED WRITTEN REQUEST UNDER THE REAL ESTATE SETTLEMENT PRO!EDURES
A!T
"# U.S.!. SE!TION #$%&'e(
Dear S)r or Mada*:
He++o and t,an- yo. /or yo.r ass)stan0e. I .nderstand t,at p.rs.ant to
Se0t)on $ o/ RESPA and t,e A*end*ents to )t .nder t,e Dodd1ran- Wa++
Street Re/or* and !ons.*er Prote0t)on A0t2 yo. are re3.)red to a0-no4+ed5e
t,)s re3.est 4)t,)n & 6.s)ness days and *.st try to reso+7e t,e )ss.e
4)t,)n #% 6.s)ness days.
I a* 4r)t)n5 to yo. to 0o*p+a)n a6o.t t,e a00o.nt)n5 and ser7)0)n5 o/ *y
*ort5a5e and *y need /or .nderstand)n5 and 0+ar)/)0at)on o/ 7ar)o.s
0,ar5es2 0red)ts2 de6)ts2 transa0t)ons2 a0t)ons2 pay*ents2 ana+yses2 and
re0ords re+ated to t,e ser7)0)n5 o/ *y +oan /ro* )ts )n0ept)on to t,e
present date. To date2 t,e do0.*ents and )n/or*at)on )n *y possess)on2 and
t,e 0on7ersat)ons 4)t, yo.r ser7)0e representat)7es 0annot ans4er *y *any
3.est)ons. As s.0,2 p+ease treat t,)s +etter as a 8Q.a+)/)ed Wr)tten
Re3.est8 .nder t,e Rea+ Estate Sett+e*ent Pro0ed.res A0t2 0od)/)ed as
Se0t)on #$%& 'e( o/ T)t+e "# o/ t,e Un)ted States !ode.
I a* 0on0erned t,at *y +oan ,as not 6een proper+y 0red)ted2 a*ort)9ed2
0a+0.+ated or ser7)0ed proper+y. And2 )/ I a* /a0)n5 /ore0+os.re2 t,en I
a* 0on0erned a6o.t t,e 0,ar5es added )nto t,e 6a+an0e t,at ,a7e to do 4)t,
t,)s /ore0+os.re.
Page 1
I a* a+so 0on0erned 4)t, t,e o4ners,)p o/ *y pro*)ssory note2 and I
0annot )dent)/y or deter*)ne:
a. to 4,o* *y a0t.a+ o6+)5at)on )s o4ed:
6. 4,o )s *y a0t.a+ +ender:
0. yo.r a.t,or)ty to 0o++e0t pay*ents or to en5a5e )n ,o*e
retent)on ; +oan *od)/)0at)on pro0esses.
T,e 0.rrent a*o.nt yo. 0+a)* I o4e as t,e pr)n0)pa+ 6a+an0e d.e on *y
Loan *ay not 6e not 0orre0t 6e0a.se o/2 a*on5 ot,er t,)n5s2 t,e predatory
0,ar5es and /ees t,at 4ere )n0+.ded at +oan or)5)nat)on and d.r)n5 t,e
ser7)0)n5 o/ t,)s +oan.
In add)t)on2 I a* 0on0erned t,at *y es0ro4 pay*ents and *y *ont,+y
pay*ents ,a7e 6een erroneo.s+y app+)ed and t,at I a* 6e)n5 0,ar5ed *ore
t,an 4,at I o4e espe0)a++y 6e0a.se o/ t,e /a)+.re to pro7)de proper ,o*e
retent)on ser7)0)n5.
Upon re0e)pt o/ t,)s +etter2 p+ease re/ra)n /ro* report)n5 any ne5at)7e
0red)t )n/or*at)on to any 0red)t report)n5 a5en0)es .nt)+ yo. respond to
t,e re3.ests set o.t 6e+o4 )n t,)s +etter.
My ,o*e )s a 7ery )*portant and 7a+.a6+e asset to *e t,at I des)re to
prote0t. P+ease don<t )n/er any ne5at)7e 0onnotat)on 6y *y +etter2 6.t
t,e )nd.stry14)de pra0t)0es e*p+oyed )n re0ent years tro.6+e *e and I a*
see-)n5 )n/or*at)on to not on+y a++e7)ate *y 0on0erns2 6.t to 5.ard
a5a)nst /.t.re pro6+e*s.
My re3.est /or )n/or*at)on )s as /o++o4s:
". T,e a*o.nt o/ any +e5a+ /ees added to *y pr)n0)pa+ de6t or
0,ar5ed a5a)nst t,e a00o.nt or tra0-ed /or any p.rpose )n any a00o.nt
/or any +e5a+ ser7)0es2 para+e5a+ ser7)0es2 a00o.nt)n5 ser7)0es2 0+a)*
preparat)on ser7)0es2 0ase re7)e4 ser7)0es2 p+an re7)e4 ser7)0es2 or /or
any ot,er s)*)+ar ser7)0e2 pro/ess)ona+ or ot,er4)se.
#. T,e a*o.nt o/ any property )nspe0t)on /ees2 property
preser7at)on /ees2 6ro-er pr)0e op)n)on /ees2 6an-r.pt0y *on)tor)n5
/ees2 or ot,er s)*)+ar /ees or e=penses added to *y pr)n0)pa+ de6t or
0,ar5ed a5a)nst *y a00o.nt or asso0)ated 4)t, any a00o.nt re+ated to *y
+oan.
>. A 0o*p+ete e=p+anat)on o/ t,e *ont,s )n 4,)0, pay*ents 4ere
a++e5ed+y *)ssed2 t,e a55re5ate +ate 0,ar5es )*posed /or a++ s.0,
pay*ents2 t,e date and a*o.nt o/ a++ a00o.nt pay*ent post)n5s and t,e
6as)s /or t,e )*pos)t)on o/ ea0, +ate 0,ar5e /ee.
?. T,e 0.rrent a*o.nt needed to pay1o// t,e +oan )n /.++ )n t,e
/or* o/ an )te*)9ed pr)nted payo// report.
Page 2
&. A 0o*p+ete pay*ent and transa0t)on ,)story /or *y +oan2
)n0+.d)n5 a++ entr)es o/ any nat.re )n t,e /or* o/ a de6)t2 a 0red)t2 a
trans/er or ot,er4)se. A 0o*p+ete 0opy o/ a++ transa0t)on 0odes
asso0)ated 4)t, t,e a00o.nt)n52 pay*ent and transa0t)on ,)story /or *y
+oan and t,e p+a)n En5+)s, de/)n)t)ons /or ea0, 0ode. A+so2 p+ease
)dent)/y t,e *ort5a5e ser7)0)n5 so/t4are yo. .se )n 0onne0t)on 4)t, *y
+oan 'LPS2 et0(.
$. T,e a*o.nt o/ any /.nds depos)ted )n any s.spense a00o.nts or
0orporate ad7an0e a00o.nts or any ot,er s)*)+ar a00o.nts ')n0+.d)n5 t,e
a*o.nt and date o/ ea0, transa0t)on2 t,e so.r0e o/ /.nds2 and a
des0r)pt)on o/ t,e depos)t a00o.nt( and a des0r)pt)on o/ a++ pay*ents
/ro* any s.0, a00o.nts )n0+.d)n5 t,e date o/ t,e pay*ent2 t,e p.rpose or
nat.re o/ t,e pay*ent2 and t,e a*o.nt o/ ea0, s.0, pay*ent.
@. A 0opy o/ any *aster poo+)n5 and ser7)0)n5 a5ree*ent2 *aster
ser7)0)n5 a5ree*ent2 pr)*ary ser7)0)n5 a5ree*ent2 de/a.+t ser7)0)n5
a5ree*ent2 or s.61ser7)0)n5 a5ree*ent t,at 0on0ern or re+ate )n any 4ay
to *y +oan. T,e na*e and address o/ t,e )n7estor or o4ner o/ *y *ort5a5e
+oan.
A. A 0opy o/ a++ o/ yo.r +oss *)t)5at)on r.+es2 ,o*e retent)on2
+oan *od)/)0at)on r.+es2 o6+)5at)ons2 po+)0)es and;or re5.+at)ons and
proto0o+s t,at app+y to *y +oan and a des0r)pt)on o/ yo.r e//orts to
)*p+e*ent t,e sa*e )n 0onne0t)on 4)t, t,e ser7)0)n5 o/ *y +oan.
B. A 0opy o/ state*ents or 6)++s /or ser7)0es s.6*)tted and pa)d 6y
yo. to any attorney2 +a4 /)r* or t,)rd1party /or any /or* o/ +e5a+
ser7)0es rendered 4)t, respe0t to *y *ort5a5e +oan.
"%. A 0opy o/ t,e *ost re0ent a.d)t o/ yo.r Can-r.pt0y or De/a.+t
Mort5a5e Ser7)0)n5 Depart*ent 6y any rat)n5 a5en0y s.0, as )t0, or any
)nterna+ .n)t.
"". A 0opy o/ t,e /ront and 6a0- port)on o/ *y or)5)na+ pro*)ssory
note as )t e=)sts today a+on5 4)t, a++ endorse*ents2 a//)=ed or
.n1a//)=ed a++on5es2 and ass)5n*ents 4,et,er re0orded or not.
"#. A++ e=e0.ted ass)5n*ents asso0)ated 4)t, *y +oan )n0+.d)n52 6.t
not +)*)ted to ass)5n*ents2 trans/ers2 a++on5es2 or ot,er do0.*ents
e7)den0)n5 a trans/er2 sa+e or ass)5n*ent o/ *y *ort5a5e and;or *y
pro*)ssory note /ro* t,e )n0ept)on o/ *y +oan to t,e present date.
">. A++ re0ords2 e+e0tron)0 or ot,er4)se2 o/ ass)5n*ents o/ *y
*ort5a5e2 pro*)ssory note2 or ser7)0)n5 r)5,ts to *y *ort5a5e.
"?. A++ es0ro4 ana+yses 0ond.0ted on *y a00o.nt /ro* t,e )n0ept)on
o/ *y +oan .nt)+ t,e date o/ t,)s +etter.
"&. Ident)/y and pro7)de do0.*entat)on o/ yo.r ser7)0)n5
re+at)ons,)p 4)t, *y +oan.
Page 3
"$. Ident)/y )/ yo. are yo. t,e ser7)0er2 *aster ser7)0er2 )nter)*
ser7)0er2 pr)7ate +a6e+ ser7)0er2 de/a.+t ser7)0er2 s.61ser7)0er2 and;or
spe0)a+ ser7)0er o/ *y +oan.
"@. State )/ and 4,en *y +oan ,as e7er 6een se0.r)t)9ed.
"A. I/ *y +oan ,as 6een se0.r)t)9ed t,en pro7)de *e 4)t, a++
do0.*entat)on e7)den0)n5:
a. A++ tr.sts2 SPDs2 QSPEs2 REMI!S2 and ent)t)es t,at *y +oan ,as
6een ass)5ned to /ro* )ts )n0ept)on to t,e 0.rrent date:
6. T,e 0.rrent tr.st2 SPD2 QSPE2 SPE2 REMI! or ent)ty *y +oan )s
o4ned 6y.
"B. I/ t,ere )s any ann)e Mae2 redd)e Ma02 E)nn)e Mae2 HA2 HUD2
DA2 or pr)7ate 5.arantee re+ated to *y +oan2 pro7)de do0.*entat)on to
)dent)/y 4,o ,as pro7)ded t,)s 5.arantee and 4,at port)on o/ *y pay*ent
5oes to t,)s 5.arantee.
#%. Ident)/y t,e do0.*ent 0.stod)an t,at ,o+ds *y or)5)na+
pro*)ssory note t,at I s)5ned.
T,an- yo. )n ad7an0e /or address)n5 *y re3.ests as re3.)red 6y +a4.
P+ease *a)+ yo.r response to *y address 6e+o4.
S)n0ere+y2
_____________________________
ADDRESS: _________________________________
_________________________________
Page 4