Discover how to use RESPA letters with your mortgage company

RESPA letters have power

RESPA letters can help you save your home from foreclosure

I’ll keep this article short — the video above is a detailed (nearly an hour) discussion of how to use RESPA letters when dealing with your mortgage company, especially if you are facing a foreclosure.

You can send Request for Information letters and Notice of Error letters to your mortgage company.  In the video we discuss what these are, and then go through about 14 sample letters.

So that you will understand the theory behind the letters.  If you are doing this on your own, you want to know what’s the point of the letters so you can create your own for your own unique situation.

The button below will let you download a “zip” file of the letters and chart to track your letters.  You will get an email with the letters in it so if you don’t see it, check your spam or promotions folder, especially if you use Gmail.

Click here to get your letters for free!

This is something consumers and lawyers have been asking us to do and its been on my to do list for quite some time.  Sorry for the delay and hope this is helpful to you.

If you have any questions or comments, you can contact us at 1-205-879-2447.

You can also fill out a contact form and we will happily get in touch with you.

I look forward to chatting with you.

Have a great day.

-John G. Watts



  1. John Watts says:

    Funny thing about when we do things like this — a lot of consumer lawyers do NOT like us doing this. They feel that you the consumer should only be given this information if you come into the office and hire the lawyer.

    That we as consumer lawyers should not freely share this with you.


    They can be upset over this — I’ll sleep fine tonight. 🙂

    So feel free to watch this video and download the template/form letters and start the process of making your mortgage company do the right thing….


    John Watts

  2. Racquel says:

    Can you still sue your mortgage company since the roll back of the CFPB rule?

    • John Watts says:


      The Notice of Error and Request For Information letters under Regulation X are still in force so you can still use them and sue when the mortgage company violates them.

      There are all sorts of attacks on the CFPB and how the leader is selected but that doesn’t affect the rules that regulate the mortgage companies.

      Best wishes

      John Watts

  3. Carolyn Rodriguez says:

    Valuable insight, Thank you!

  4. Ervie S Davis says:

    Hello, my mortgage loan on my home turn into a Predator loan
    the mortgage company had me to send payments to Wilmington Savings who was not legal to operate in the state of Alabama

    What can I do, I have tried to work with Faye Servicing who now has the loan. They have tried to foreclose.

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