FightMyBank Blog

Learn about mortgage suspense accounts and discover where your short payments go when they aren't applied to your loan balance.

Learn what unapplied funds mortgage statement entries mean, why payments go unapplied, and how they impact your payment history and account standing.

Explore mortgage servicing transfer rules, including required notices, deadlines, and your rights as a borrower under federal law.

Learn what loss mitigation means when you're behind on payments and how it can help you manage financial challenges. Discover your rights and options.

Learn what loss mitigation means in procedural terms, including application steps, servicer timelines, and common process misconceptions. Understand what loss mitigation

Learn what a servicer must send you under RESPA when you make a request for information under RESPA and the timeline for their response.

Learn what a respa qualified written request entails under RESPA and how to properly utilize this consumer right to resolve mortgage servicing issues.

Learn about the Notice of Error Under RESPA and the deadlines servicers must meet to respond, correct errors, and ensure compliance with federal law. Notice of Error

Learn what happens when servicers misapply mortgage payments, what the payment-crediting rule requires, and how to address misapplied payment mortgage payments

Learn where to send a RESPA request so the clock starts ticking. Understand the requirements and ensure your RESPA request is valid. Find out where to send RESPA

Learn what servicers can and cannot do with partial payment mortgage, including your rights under federal rules and how to address issues.

Learn why your mortgage servicer keeps changing, what it means for your loan, required notices, and how servicing transfers affect your payments and rights.