Mortgage Servicing Error Resolution and Information Requests

You have certain rights under Federal law related to resolving errors in the servicing of your mortgage loan and requesting information about your mortgage loan. First Midwest Bank has established the following address to receive written Notices of Error and Information Requests. To submit your written Notice of Error or written Information Request, you must write to us at the following address:

First Midwest Bank
Attention: Loan Servicing
PO Box 9003
Gurnee, IL 60031

A notice or request written on a payment coupon or on any other payment form is not considered a notice of error or an information request. When writing to us, please include:

  • Your full name
  • Your Loan Number and/or the property address
  • Details of the specific error you believe has taken place or the specific information you are requesting on your mortgage loan

To assist you, we have outlined some guidance on what is generally considered a Notice of Error or an Information Request, and the time frames in which you can expect a response. You do not need to decide if your request is a Notice of Error or an Information Request, just send your written request to the above address and we will respond in the time frames required by federal law.

Written Notices of Error

A written request from you that tells us of an error in the servicing of your mortgage loan. This would include anything that you believe is an error occurring after you have closed on your mortgage loan. This would not include errors that occurred during the closing of your loan or any time prior to closing.

For Notice of Errors, the Bank will acknowledge receipt of your letter within five (5) business days and determine whether an error occurred within 30 days after receiving your Notice of Error and will correct any error promptly (Notices of Error on payoff statements will be handled within 7 days). If additional time is needed to investigate your complaint or request, we may take up to 45 days but will notify you of the extension within the original 30 days. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the document that we used in our investigation.

Please note that if your Notice of Error relates to providing an accurate payoff then we will respond to your request within 7 business days.

Written Information Requests

A written request for information concerning your mortgage loan. This would include asking for any documents such as the mortgage note or other documents you may have misplaced or asking who owns your loan. It also includes requesting any other information about the details of your loan.

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