Error Resolutions, Information and Written Requests
You have certain rights under federal law related to resolving errors in the servicing of your mortgage loan, requesting information about your mortgage loan, and submitting Qualified Written Requests (QWR) as defined under federal law. First Mid has established the following address as its exclusive address to receive notices of error, information requests, and QWRs. To submit your notice of error, information request, or QWR, write to us at the following address, including the specific attention line noted:
First Mid Bank & Trust
Attn: Loan Servicing – Requests
PO Box 499
Mattoon IL 61938
You must use this address to submit your notice of error, information request, or QWR. Please include your account number on your written request. Once we receive your written request we will acknowledge it within 5 business days. We will then generally have 30 business days to respond to your request but in many cases will be able to respond more quickly. Certain types of requests must be responded to more quickly and those are identified below:
- If your written request concerns a failure to provide an accurate payoff balance amount upon your request, then we will respond to your request within 7 business days from receipt of your request.
- The above address is not the place to send payoff requests. To get a payoff balance, please call 1-800-648-6145.
- If your written request concerns a request for the identity of, and address or other relevant contact information for, the owner or assignee of a mortgage loan then we will respond to your request within 10 business days from receipt of your request.
You do not need to decide if your request is a notice of error, information request, or QWR, just send your written request to the above address and we will respond in the timeframes required by federal law. For your information, we have provided brief definitions below.
MORTGAGE LOAN: a non-revolving loan secured by a 1-4 family residence extended primarily for personal, family, or household purposes.
NOTICE OF ERROR: a notice of error is a written request from you to us that tells us of an error in the servicing of your mortgage loan. This would include anything that you believe is in error after you have closed on your loan and begun making your payments to us. This would not include errors that occurred in the closing of your loan or before that.
INFORMATION REQUESTS: an information request is a written request for information concerning your mortgage loan account. This would include asking for any documents like your mortgage, note or other documents you may have misplaced. It would also include asking who owns your loan or other information about the details of your loan.
This is not the place to send written payoff requests. To get a payoff balance, please call 1-800-648-6145.
QUALIFIED WRITTEN REQUESTS (QWR): your right to submit a “qualified written request” (QWR) is a right given by federal law. Qualified Written Request means a written correspondence from you to us that either: (1) states the reasons you believe the account is in error; or (2) provides sufficient detail to us regarding information relating to the servicing of the mortgage loan sought by you. See 12 USCS § 2605(e). Generally, any written request that is a QWR will also be a notice of error or information request.
