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Letters to your mortgage servicer
Six letters that put your request in writing: fix an error, send information about your loan, give you a payoff or reinstatement figure, review a denial again, or confirm you after a death or divorce. Choose one, fill in the blanks, then print or copy it.
Reviewed October 13, 2026. General information, not legal advice.
Notice of error
[Your full name] [Property address] [Your phone number] October 13, 2026 [Your mortgage servicer] [The address your servicer names for notices of error] Re: Notice of error Loan number: [write your loan number here by hand] Property: [Property address] To whom it may concern: I am writing to tell you about an error on my mortgage account. I believe the following error occurred: [describe the error, with dates and amounts] Please correct the error, tell me in writing what you corrected and the date the correction takes effect, and give me a phone number for questions. If you decide that no error occurred, please tell me why in writing and send me copies of the documents you relied on. Sincerely, [Your full name]
What happens next. Your servicer must confirm in writing that it got this letter within 5 business days, and in most cases fix the error or explain why it found none within 30 business days. It cannot charge you to answer.
Before you send it
Write one request per letter. A letter that mixes an error, a question and an appeal is easy to answer badly. Send separate letters if you have separate issues.
Stick to facts. Dates, amounts, check numbers and the names of documents help the servicer find the problem. Leave out anything you cannot back up.
Send copies, never originals. Keep your own copy of everything, with the date you sent it and proof of when it arrived.
Keep paying if you can. A letter does not change what you owe while you wait for an answer. If you need to explain why you fell behind, use the hardship letter template. To see how much time you have, use the deadline calculator.
Common questions
Where do I send these letters?
Your servicer may name a special address for notices of error and information requests, and if it does, you must use it. Look on your mortgage statement, your servicer's website, or the letter it sent you. That address is often different from where you send payments. For an appeal, use the address in your denial letter.
How should I send a letter so I can prove it arrived?
Use a method that gives you a delivery date, such as certified mail with a return receipt, or your servicer's secure message portal if it accepts these requests there. Keep a copy of the letter, everything you enclosed, and the proof of delivery. The federal deadlines count from the day the servicer receives the letter.
Does sending one of these letters stop a foreclosure?
Not by itself. A notice of error or an information request does not pause a foreclosure, and neither does asking for a quote. What can pause a sale under federal rules is a complete loss mitigation application received more than 37 days before the sale. If a sale date is set, call a free HUD-approved housing counselor or a legal aid office today.
Should I put my loan number in the letter?
Yes, but write it in by hand after you print. Each letter leaves a blank for it so you never type your loan number into a website. Your servicer needs it to find your account.
Do I need a lawyer to send these?
No. These are letters any borrower can send. A HUD-approved housing counselor will help you with them for free. If your servicer does not answer in time, or a sale is close, talk to a legal aid office or a lawyer about your options.
Sources
- 12 C.F.R. § 1024.35, error resolution procedures (eCFR)
- 12 C.F.R. § 1024.36, requests for information (eCFR)
- 12 C.F.R. § 1026.36(c), payment crediting, late fees and payoff statements (eCFR)
- 12 C.F.R. § 1024.41, loss mitigation procedures (eCFR)
- 12 C.F.R. § 1024.30, scope and successors in interest (eCFR)
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