Maryland Mortgage Servicing Dispute Packet for a SELF HELP Pro Se Homeowner

A Maryland homeowner may use this packet after a mortgage or HELOC servicing transfer when the new servicer reports a payment increase, escrow shortage, inaccurate property-tax or insurance amount, uncredited payment, or unexplained charge.

What is Included in This Packet:

• Pro Se Guide & Preparation Instructions: Step-by-step guidance on how to gather required documents, locate the servicer’s designated Notice of Error address, and safely continue making payments during a dispute.
• Fill-in Notice of Error / Request for Information: A customizable sample letter drafting specific errors regarding payment increases, escrow calculations, and inaccurate servicing transfers.
• Maryland-Specific Escalation Guidance: Step-by-step options if the servicer fails to correct the problem, including how to file complaints with the Consumer Financial Protection Bureau, the Maryland Office of the Commissioner of Financial Regulation, and the Maryland Insurance Administration.
• Response Deadlines Tracker: A guide to calculating federal timeline rules for servicer acknowledgments (generally five business days) and written responses (generally 30 business days).
• Blank Case-Tracking Logs: Printable tracking sheets for mailings and responses, phone and portal communications, payment tracking, an escrow review worksheet, and a comprehensive evidence checklist.
• Optional Follow-Up Letter: A secondary template to utilize if the servicer fails to provide an adequate written response to the initial notice.

Digital File Included:

• Maryland Mortgage Servicing Dispute Packet_v1.docx

Key Borrower Rights Referenced:

This packet helps borrowers assert protections under federal guidelines, including escrow rules limiting cushions and shortage recoveries (12 C.F.R. § 1024.17), servicing-transfer payment protections (12 C.F.R. § 1024.33), and mandated response times for Notices of Error and Requests for Information (12 C.F.R. §§ 1024.35 and 1024.36). It also references Maryland Code, Commercial Law § 13-316, which requires servicers of Maryland residential property to send specific transfer information, designate a complaint contact, and respond to written borrower inquiries within 15 days when requested.

Important Legal Disclaimer:

This packet is general legal information, not legal advice. It is designed for a borrower proceeding without counsel. Purchasing or utilizing this packet does not create an attorney-client relationship. This letter does not automatically stop a contractual payment obligation or a foreclosure process, and users should never ignore notices of default, acceleration, foreclosure, or court papers. Consider consulting a Maryland consumer, foreclosure-defense, or real-estate attorney promptly if the servicer threatens foreclosure, reports missed payments, force-places insurance, refuses to provide the escrow analysis, or maintains an increase that the documents do not support.

Privacy Reminder:

Complete the blanks only on the copy sent to the servicer or regulator. Do not post or email unredacted account numbers, Social Security numbers, insurance policy numbers, or full loan documents to public sites.