Below is an example of a qualified written request form:
August 27, 2009
American Home Mortgage Services, Inc
Re: Loan Number: 1234511722
: Johnathan Jones
Subject Address : 12345 Erehwon Street, Heartland, OH 12345
To Whom It May Concern:
Please accept this letter as a “Qualified Written Request” under Section 6 of the Real Estate Settlement Procedures Act (RESPA) to obtain copies of ALL documents pertaining to the origination of the above mentioned Clients’ current mortgage on the referenced subject property. Please see below for a list of documents needed.
Initial Loan Application and Final Loan Application
Executed Notice of Right to Cancel (if refinance)
Deed of Trust/All Riders
Note and All Addendums/Riders
Truth-in Lending Statements
Itemization of Amount Financed
Good Faith Estimates
Estimated and Final Closing Statements (HUD)
Copy of Loan Payment History – This must include all payments made, all fees incurred, any and all escrow account disbursements and how payments were applied
In addition to the above, please forward any and all disclosures, rate sheets etc. associated with the above transaction. Please note that all copies need to be clear and legible and all documents should be copied in their entirety.
In closing, We/I understand that under Section 6 of RESPA you are required to acknowledge our/my request within 20 business days and try to resolve any issues within 60 business days.
Please forward requested documentation as soon as possible and we look forward to working with you on a solution that benefits our mutual concerns.
Thank you for your time.
Please continue to the next post to download a qualified written request form for you to use.