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Qualified Written request letter

What is a Qualified Written Request? What is a QWR?

A Qualified Written Request (QWR) is written correspondence that you or someone acting on your behalf can send to your servicer to ask for information relating to the servicing of your loan or to dispute errors about your loan account. This QWR and Error Procedures govern NOFFCU’s handling of member inquiries concerning a closed-end mortgage. NOFFCU will comply with all provisions of RESPA and will diligently respond to inquiries made in writing to the credit union.

 
Your request must:

  • Describe the issue or the question you have and/or what action you believe the lender should take.
  • Include attached copies of any related written materials.
  • Describe any conversations with customer service regarding the issue and to whom you spoke.
  • Describe any previous steps you have taken or attempts to resolve the issue.
  • List a day time telephone number in case a customer service representative wishes to contact you.
 
Your QWR should:

    • Be sent certified mail, return receipt requested so you will have confirmation that your letter arrived

    • Be sent to:
NOFFCU
Attn: Lending Director
P.O. Box 689
Metairie, LA 70004

    • Contain the words: “This is a Qualified Written Request under Section 6 of the Real Estate Settlement Procedures Act (RESPA)”

    NOFFCU has provided a template for you on its website to complete which follows the U.S. Department of Urban Housing and Development (HUD) sample QWR letter. Click here to access the letter.

    Once NOFFCU receives the request, we have 20 business days to acknowledge your inquiry. NOFFCU also has no later than 60 business days after it receives your QWR to either provide you in writing with the information or clarification, make the correction you request, or let you know why it believes it cannot provide you with the information or that there has not been a mistake and your account information is correct.
    The response from NOFFCU will include the name and telephone number for the individual, office, or department of the servicer who can provide you with additional assistance if you have any questions. While you are waiting for a response, you should continue making your mortgage payments as scheduled.

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