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Mortgage RESPA Requests

Mortgage Servicer Request for Information (RFI) under Regulation X

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When to use it

Use to request the identity of the owner or master trust holding your mortgage loan or specific servicing agreements.

Preview

Bracketed fields are filled in from your account when you generate it.

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] DOB: [CLIENT DOB] | SSN (Last 4): [CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: REQUEST FOR INFORMATION (RFI) PURSUANT TO 12 CFR § 1024.36 - IDENTITY OF LOAN OWNER - Mortgage Loan #[LOAN LOAN NUMBER MASKED] Dear Information Request Department, This letter is a formal Request for Information (RFI) under RESPA Regulation X (12 CFR § 1024.36). LOAN IDENTIFICATION: - Borrower: [CLIENT FULL NAME] - Servicer: [LOAN SERVICER] - Loan Number: [LOAN LOAN NUMBER MASKED] INFORMATION REQUESTED: Pursuant to 12 CFR § 1024.36(a), I request that [LOAN SERVICER] provide: 1. The exact legal name, address, and telephone number of the true owner or investor of my mortgage loan; 2. The specific master servicing agreement / trust repository reference holding the underlying promissory note; and 3. A complete copy of the underlying Note and Security Instrument (Deed of Trust / Mortgage). Under 12 CFR § 1024.36(d)(2)(i), if this request is for the owner of the mortgage loan, you MUST provide this information in writing within 10 business days. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]

Legal basis

12 CFR § 1024.36 (Regulation X)12 U.S.C. § 2605(e)

Enclose

  • Copy of mortgage statement

Before you send

  • Mortgage loan account number
Know this first
  • Under 12 CFR § 1024.36(d), servicers must provide the owner of the mortgage loan within 10 to 30 days.

Follow up

Allow about 30 days for a response.