Send a Qualified Written Request to Your Mortgage Servicer
If you've discovered an error on your mortgage statement or need information about your loan, you have the right to send a qualified written request to your mortgage servicer. This powerful tool, established by the Real Estate Settlement Procedures Act (RESPA), helps you resolve issues and get the information you need. Your servicer is required to respond to your request within a specific timeframe, and ignoring your request can be a serious violation of federal law.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
To send a qualified written request, write a letter to your mortgage servicer that includes your name, account number, and a clear description of the error or information you're requesting. Be sure to keep a copy of your letter and proof of mailing, such as a certified mail receipt.
Your letter should be mailed to the address specified by your servicer for qualified written requests, which may be different from their regular payment address. You can find this address on your mortgage statement or by contacting your servicer directly.
Do not send a qualified written request to your lender, as this will not trigger the same response requirements under RESPA. Make sure you're sending your request to the correct address and following the proper procedures to ensure your servicer responds promptly.
What is a Qualified Written Request?
A qualified written request is a formal letter sent to your mortgage servicer to dispute an error or request information about your loan. Under RESPA, servicers are required to respond to these requests within 20 business days of receipt, and must either correct the error or provide a written explanation of why the information you requested is not available.
Sample Language
Your qualified written request should include the following information: your name and account number, a clear description of the error or information you're requesting, and a statement indicating that you're sending a qualified written request under RESPA.
How to Send a Qualified Written Request
Once you've written your qualified written request, make a copy of the letter and mail it to the address specified by your servicer. Be sure to use certified mail with return receipt requested, so you have proof of delivery.
Mailing Tips
Use a clear and concise writing style
Keep a copy of your letter and proof of mailing
Send your request to the correct address
What to Expect After Sending a Qualified Written Request
After sending a qualified written request, your servicer has 20 business days to respond. If they fail to respond or do not correct the error, you may be able to file a complaint with the Consumer Financial Protection Bureau (CFPB) or take other action to resolve the issue.
Next Steps
If you're not satisfied with your servicer's response, you may want to consider seeking help from a housing counselor or attorney. They can help you understand your options and take further action to resolve the issue.
Common Mistakes to Avoid
When sending a qualified written request, there are several common mistakes to avoid. These include sending the request to the wrong address, failing to keep a copy of the letter and proof of mailing, and not following up with your servicer if you don't receive a response.
Avoid These Mistakes
Sending the request to your lender instead of your servicer
Not keeping a copy of your letter and proof of mailing
Failing to follow up with your servicer
Get Help with Your Qualified Written Request
If you need help sending a qualified written request or resolving an issue with your mortgage servicer, consider seeking help from a housing counselor or attorney. They can help you understand your options and take action to resolve the issue.
What is the deadline for my servicer to respond to my qualified written request?
Your servicer has 20 business days to respond to your qualified written request. If they fail to respond or do not correct the error, you may be able to file a complaint with the CFPB or take other action to resolve the issue.
Can I send a qualified written request to my lender?
No, you should send a qualified written request to your mortgage servicer, not your lender. Your servicer is responsible for responding to these requests under RESPA.
What information should I include in my qualified written request?
Your qualified written request should include your name and account number, a clear description of the error or information you're requesting, and a statement indicating that you're sending a qualified written request under RESPA.
What if my servicer ignores my qualified written request?
If your servicer ignores your qualified written request, you may be able to file a complaint with the CFPB or take other action to resolve the issue. Consider seeking help from a housing counselor or attorney to understand your options.