The Hughes Team

In the age of mortgage loan modification agreements and late payments, borrowers often have no clue what they still owe, or how many payments have been applied to their loan. Borrowers that are unable to get reliable information over the phone can refer to a federal law, the Real Estate Settlement Procedures Act (RESPA), that contains a provision requiring the mortgage loan service provider to respond to a"qualified written request". Under this provision, the loan servicer must acknowledge the receipt of such request within 20 days in writing.  

Click here for more details