[jdsd21]

***,

I appreciate your response. Chase is the servicer of both of my loans. The first loan is for 300K and is set currently at 6.25%. This loan is a 5/1 I/O. My second loan is for 75K 8.45% fixed rate for 15 years with a balloon payment of 60K at the maturity date of the loan.

***, I don't have signed copies of any documents, no HUD1, Buyers Settlement statement, or loan application. This isn't saying I didn't sign them, but I don't have a copy. I would like to complete a QWR. I realize that Chase would have 20 days to respond to my request and 60 days to attempt to fix any problems. When I initiate the process of the QWR, I am assuming that opens up case on my loan. This has been what has held me back from submitting one just yet. I don't want to open a can of worms until I know that I can close it back up. Is my thinking correct? Or can I request a QWR whenever without opening a case? I will be talking with a lawyer soon regarding my recent findings. I will see what they have for advice moving forward. In the meantime I am fishing the web for edification purposes, I want to be prepared, thanks again for your response...

JD