I am attaching a Sample of A QWR. As a foreclosure specialist specializing in stopping foreclosure for my clients, I wanted to provide realtors with a sample of a QWR.
Subject: Loan number xx
My Name & address
To Whom It May Concern:
This is a "Qualified Written Request" under Section 6 of the Real Estate Settlement Procedures Act (RESPA).
I am writing to request:
(1) Copies of all documents pertaining to the origination of my mortgage including my loan application, Right to Cancel, Deed of Trust, note, adjustable rate note, addendum to the note for the interest only payment period, Truth in Lending statements, Good Faith Estimate (GFE), HUD 1, appraisal, and all required disclosures and rate sheets associated with this transaction for the above referenced loan. The copies should be legible and all documents shall be copied in their entirety.
(2) A copy of the life of loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the entire life of the loan.
I have reason to believe that the loan terms were misrepresented to me at the time of application and further obscured and/or modified prior to signing. I believe that my income was inflated on the application, and that the property appraisal was similarly falsely inflated. I also have reason to believe that certain statements were not provided for my approval prior to closing, and that signatures may have been forged on various documents. Additionally, I believe that a notary was not present to witness my signatures on several pertinent documents.
I started the process of trying to renegotiate this loan in XXXXXXXXXXX when I spoke with XXXXXXXXXX in your Loss Mitigation department. I faxed a letter of hardship, along with bank statements and pay stubs as well as a hardship letter as he recommended. After many follow ups on my part, XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX those were his words exactly! His reason was never really quite clear!
The customer service provided to me has been less than adequate let alone just plain rude.
Let this letter serve to document my request to have my communications responded to in a timely manner.
I can be reached at (my phone number) whenever a customer service representative wishes to contact me. My email address is blahblahblah , and is the best way to contact me.
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.