Qualified Written Request (QWR)

A Qualified Written Request (QWR) is a formal written query that a borrower sends to their mortgage servicer to address issues like errors, account history, or payment concerns. Under federal law, servicers must respond within a set timeframe, typically 30 days. This process helps ensure transparency and accuracy in mortgage account management. A QWR is a useful tool for borrowers to formally communicate issues and receive official responses, potentially leading to corrections or clarifications about their loan or payment history.