The QWR is a Qualified Written Request and under RESPA Section 6 the lender must comply and during the period of time alloted by the time to comply can not report you late on your mortgage. That is for starters. The QWR allows you access to every document in your file and to the Life of Loan payment history so that you can review it for accuracy. There may at the time of closing been irregularities in your loan that were in violation of Federal Regulations, as such you can have those documents reviewed by a qualified party of your choice and if there are irregularities (which often there are, like a lot) you then have some leverage with the lender for modification and other remedy. Additionally we have found that by requesting this, the lender/servicer becomes more responsive to the borrower/home owner and easier for the home owner to work with. Apparently they are afraid too that there might be irregularities....
So --- QWR -there are examples of the letter in the Tool Box. In that letter demand your Life of Loan History, copy of Note, Deed of Trust, Riders, all Assignments of the Deed of Trust, TIL, Right of Rescission (if refi), Lender Final HUD-1, copy of initial loan application and final lender loan application, all disclosures and all loan documents in your file, copy of appraisal. Send this three times certified return receipt required and also send it to the Broker, Title Company and all others in the Chain of the Transaction.
There are blank copies in the tool box, there are other peoples examples throughout the forum, you need to make it your own with your own problems, course of actions and lack of response from the lender.
This thread has a really good example:
My Countrywide escapade and Hi!