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Legal Notices:

We are required under state law to notify consumers of the following rights.  This list does not contain a complete list of the rights consumers have under state or federal law.

 

If you are a resident of California:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

If you are a resident of Colorado:

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

 

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

 

Specialized Loan Servicing LLC maintains a local office at 8742 Lucent Blvd, Suite 300, Highlands Ranch, Colorado 80129. The office's phone number is 1- 800-315-4757

 

If you are a resident of Maine:

SPECIALIZED LOAN SERVICING LLC OPERATING HOURS ARE 6:00 A.M. UNTIL 6:00 P.M. MOUNTAIN TIME MONDAY THORUGH FRIDAY. YOU MAY CONTACT OUR OFFICE DURING BUSINESS HOURS BY CALLING

1-800- 315-4757

 

If you are a resident of Massachusetts:

NOTICE OF IMPORTANT RIGHTS:

 

YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.

 

 

If you are a resident of New York:

This collection agency is licensed by the City of New York,  # 1415614-DCA.

This collection agency is licensed by the City of Buffalo,  #555725.

If you are a resident of North Carolina:

This collection agency is licensed by the North Carolina Department of Insurance Permit #3978.

If you are a resident of Texas:

Mortgage Servicer Disclosure:

COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE
SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH
LAMAR, SUITE 201, AUSTIN, TX 78705.  A TOLL-FREE CONSUMER HOTLINE IS
AVAILABLE AT 877-276-5550.

A complaint form and instructions may be downloaded and printed from the Department's
website located at www.sml.texas.gov or obtained from the department upon request by mail at
the address above, by telephone at its toll-free consumer hotline listed above, or by email at
smlinfo@sml.texas.gov.

Residential Mortgage Loan Originator: Specialized Loan Servicing LLC

NMLS ID: 2168   

 

Pursuant to the requirements of Section 157.0021 of the Mortgage Banker Registration and Residential Mortgage Loan Originator License Act, Chapter 157, Texas Finance Code, you are hereby notified of the following:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

 THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV.

 

If you are a resident of Utah:

As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

If you are a resident of Washington:

If you are in the State of Washington you may contact HUD at 1-877-894-HOME (4663) to find a HUD approved counseling agency near you.

If you are a resident of Wyoming:

As required by law, you are hereby notified that a negative credit report on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.​

Arkansas:

Specialized Loan Servicing LLC is licensed by the Arkansas Securities Department and any complaints concerning Specialized Loan Servicing LLC may be directed to the Arkansas Securities Department. Listed below are the address, telephone number, fax and website information for the Arkansas Securities Department.

 

Address:

Heritage West Building, Suite 300

201 East Markham Street

Little Rock, Arkansas 72201-1692

Phone: 1-501- 324-9260

Fax: 1-501-324-9268

http://www.securities.arkansas.gov/page/365/mortgage-loan-how-to-file-a-complaint

Hawaii:

Division of Financial Institutions

Specialized Loan Servicing LLC is licensed by the Hawaii Commissioner of the Division of Financial Institutions and any complaints concerning Specialized Loan Servicing LLC may be directed to the Division of Financial Institutions. Listed below are the address, telephone number, fax and website information for the consumer complaint section of the Division of Financial Institutions:

 

Mailing Address:

Division of Financial Institutions

Department of Commerce and Consumer Affairs

P.O. Box 2054

Honolulu, HI 96805

 

In Person:

Division of Financial Institutions

Department of Commerce and Consumer Affairs

King Kalakaua Building

335 Merchant Street, Rm. 221

Honolulu, HI 96813

Phone: 1-808-586-2820

Fax: 1-808-586-2818

 

Residents on the neighbor islands may call the following numbers followed by 6-2820 or 7-8642 and the # sign:

Kauai 274-3141

Maui 984-2400

Hawaii 1-808-974-4000

Lanai & Molokai 1-800-468-4644 (toll free)

http://cca.hawaii.gov/dfi/

 

 

Illinois:

The primary regulatory authority having jurisdiction over Specialized Loan Servicing LLC is:

Illinois Department of Financial & Professional Regulation

320 West Washington Street

Springfield, IL 62786

1-217-782-3000

TDD: 1-217-524-6644

 

or

 

100 West Randolph, 9th Floor

Chicago, IL 60601

1-312-793-3000

TDD: 1-312-793-0291

Business Hours: 8:30 a.m. to 5:00 p.m.

Toll Free Consumer Hot Line: 1-800-532-8785

New York:

Specialized Loan Servicing LLC ("SLS") is registered with the New York State Department of Financial Services, Mortgage Servicer Registration #2168. You may file a complaint about SLS with the New York State Department of Financial Services. You may obtain further information from the New York State Department of Financial Services by calling the Department's Consumer Assistance Unit

1-800-342-3736 or by visiting the Department's website at https://www.dfs.ny.gov.  

You may contact SLS at 1-866-891-7826 to access a live person trained to answer inquiries and resolve or help resolve complaints. Additionally, you may direct your written inquiry or complaint to SLS at

P.O. Box 630147, Littleton, CO 80163-0147

North Carolina:

Office of the Commissioner of Banks

Specialized Loan Servicing LLC is licensed by the North Carolina Commissioner of Banks and any complaints concerning Specialized Loan Servicing LLC may be directed to the Office of the Commissioner of Banks. Listed below are the address, telephone number, fax and website information for the consumer complaint section of the Office of the Commissioner of Banks for North Carolina.

 

Mailing Address:                                                           Physical Address:

NC Commissioner of Banks                                           NC Commissioner of Banks

4309 Mail Service Center                                                316 W. Edenton Street

Raleigh, NC 27699-4309                                                 Raleigh, NC 27603

 

Phone: 919-733-3016

Fax: 919-733-6918

http://www.nccob.gov/public/ConsumerInformation/Complaints/CIFileComplaint.aspx

 

 

 

Oregon:

You may submit a complaint to the Oregon Department of Consumer and Business Services concerning any conduct that is unlawful by:

Filing a complaint online by visiting http://www.oregon.gov/DCBS/Pages/complaint.aspx.  Filling out the form found by clicking on "Finance and Securities" and click the "Send" button to email the form to dcbs.dfcsmail@oregon.gov

Filing a complaint via mail or fax:

Mail your completed complaint to: PO Box 14480 Salem, OR 97309-0405

Fax your completed complaint to: 503-947-7862

 

Texas:

COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.

 

A complaint form and instructions may be downloaded and printed from the Department's website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov

PURSUANT TO RESPA, A NOTICE OF ERROR OR REQUEST FOR INFORMATION REGARDING THE SERVICING OF THE MORTGAGE ACCOUNT (INCLUDING A QUALIFIED WRITTEN REQUEST) MUST BE SENT TO THIS ADDRESS:

 

Specialized Loan Servicing LLC

P.O. Box 630147

Littleton, CO 80163-0147

 

Please note, RESPA (12 U.S.C. Section 2605) provides you certain consumer rights. If you send a notice of error or request for information (including a qualified written request) to your loan servicer regarding the servicing of your loan, your servicer must provide you with a written acknowledgment within 5 days (excluding legal public holidays, Saturdays, and Sundays) of receipt of your request. 

Response Time Frame for Notice of Error:

Your loan servicer must make any appropriate corrections to your account, and must provide you with a written clarification regarding any dispute within the following time limits:

  • Not later than seven days (excluding legal public holidays, Saturdays, and Sundays) after the servicer receives the notice of error for errors related to the failure to provide an accurate payoff balance.

     
  • Prior to the date of a foreclosure sale or within 30 days (excluding legal public holidays, Saturdays, and Sundays) after the servicer receives the notice of error, whichever is earlier, for errors asserted related to dual tracking.

 

  • For all other asserted errors, not later than 30 days (excluding legal public holiday, Saturdays, and Sundays) after the servicer receives the applicable notice of error.

After receipt of a notice of error, your servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. However, this does not prevent the servicer from initiating foreclosure if proper grounds exist under the mortgage documents, except with regard to notices from you related to initial foreclosure filings or motions for foreclosure judgments or sales.

Response Time Frame for Request for Information:

Your loan servicer must respond to your request for information within the following time limits:

  • Not later than 10 days (excluding legal public holidays, Saturdays, and Sundays) after the servicer receives an information request for the identity of, and address or other relevant contact information for, the owner or assignee of a mortgage loan; and
  • For all other requests for information, not later than 30 days (excluding legal public holidays, Saturdays, and Sundays) after the servicer receives the information request.

    The notice of error or request for information must be written correspondence (other than notice on a payment coupon or other medium supplied by the servicer) that includes, or otherwise enables the servicer to identify, the name and account of the borrower, and includes a statement of the reasons the borrower believes the account is in error, if applicable, or that provides sufficient detail to the servicer regarding the information being sought by the borrower. Please note, a notice of error or request for information is not considered timely if the written correspondence is delivered to Specialized Loan Servicing LLC or the prior servicer who receives the request for information or notice of error more than 1 year after either the date of transfer of servicing or the date the mortgage servicing account was discharged (either paid in full, or discharged through foreclosure or deed in lieu of foreclosure or short sale without full satisfaction of the underlying contractual obligation.) ​

The mission of the Office of Fair Housing and Equal Opportunity (FHEO) is to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities by leading the nation in the enforcement, administration, development, and public understanding of federal fair housing policies and laws.

FHEO protects people from discrimination on the basis of race, color, religion, sex, national origin, disability, and familial status. In addition, housing providers that receive HUD funding, have loans insured by the Federal Housing Administration (FHA), as well as lenders insured by; FHA, may be subject to HUD program regulations intended to ensure equal access of LGBT persons.

Learn About Fair Housing Programs

Not sure if you are a victim of housing discrimination? A fair housing organization near you may be able to assist. There are professionals available to help you, conduct testing and investigate your complaint. You may also get fair housing education and outreach materials.

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