How to Get in Touch with Your Home Loan Servicer – Contact Information and Tips

If you have taken out a home loan or mortgage dealing with your loan servicer is inevitable. Your loan servicer is the company you make your mortgage payments to and that handles issues related to your home loan. Having the right contact information for your home loan servicer can make your life much easier when you need to get in touch with them.

In this article, we’ll provide tips on how to find your home loan servicer’s phone number, the best times to call what information to have ready and strategies for getting your issues resolved quickly when you call your servicer.

Why You Might Need to Call Your Home Loan Servicer

There are many reasons you may need to contact your home loan servicer by phone, such as:

• Questions about your monthly mortgage statement or payment due date
• Setting up automatic payments or changing your payment method
• Reporting issues making your payment on time
• Applying for a forbearance or loan modification program
• Updating your homeowner’s insurance information
• Getting information about your escrow account
• Disputing fees or charges on your account

Having the right customer service phone number can help you get answers and resolve issues relating to your mortgage quickly and easily.

How to Find Your Servicer’s Phone Number

The first step is finding the right customer service phone number to call. Here are some tips to locate your servicer’s number:

• Check your monthly mortgage statement – Most servicers print the customer service number on the statement.

• Look on your servicer’s website – Most have a “Contact Us” page with phone numbers.

• Check account statements or letters – Any correspondence from them should include contact info.

• Call the general number – If you call their main number, you can usually get transferred.

• Search online – Look up the company name + “customer service number.”

Make sure to avoid any phone numbers listed on your original mortgage documents, as those are typically out of date. Always find the most current customer service number to call.

When to Call Your Home Loan Servicer

Another key factor is choosing the right time to call your servicer’s customer support line:

• Weekdays – Customer service departments are only open weekdays, not weekends. Stick to Monday through Friday.

• Business hours – Call during regular business hours, typically 8am to 8pm on weekdays. Avoid calling outside these hours.

• Earlier in the month – If possible, call early in the billing cycle, before their call volume spikes around the payment due date.

• Not on major holidays – Servicers typically have limited staff working on major holidays when call volume is lower.

Calling at the optimal time reduces your chances of getting stuck on hold for a long time when you call your servicer.

What Information to Have Ready

Before you call your home loan servicer, take some time to gather important information:

• Your account number – This identifies you and pulls up your account details.

• Recent account statements – Having them on hand helps reference payments or charges in question.

• Your loan number – Required if asking about details on your actual mortgage loan.

• Payment confirmation numbers – For issues related to a payment you already made.

• Any letters from your servicer – Regarding issues you want to discuss over the phone.

Having this information handy allows you to clearly explain your issue and the customer service agent can access your account faster.

Tips for Resolving Issues by Phone

When you actually call your home loan servicer, use these tips to increase your chances of getting problems resolved:

• Be polite and patient – Remember the call center agent isn’t personally responsible for your issues. Being rude accomplishes nothing.

• Take notes – Write down important details of the conversation, like names of people you speak with and agreed upon actions.

• Ask detailed questions – Don’t be afraid to ask clarifying questions to fully understand the issue and solution.

• Get timeline estimates – Ask for time estimates if promised callbacks or when issues will be resolved.

• Request escalation – If an agent cannot resolve your problem, politely ask to speak to a supervisor for additional assistance.

• Follow up – After the call, review your notes and follow up if promised actions aren’t completed by the dates given.

Being organized, taking good notes, asking questions, and following up are the keys to optimizing your experience calling your home loan servicer.

Examples of Large Mortgage Servicers’ Contact Information

To give you an idea of what numbers to call for some major mortgage servicers, here is contact information for a few top companies:

• LoanCare – 1-800-909-9525

• Mr. Cooper – 1-888-480-2432

• PennyMac – 1-800-777-4001

• Caliber Home Loans – 1-800-401-6587

• Freedom Mortgage – 1-855-690-5900

• Rocket Mortgage – 1-800-791-7254

• Wells Fargo – 1-800-678-7986

Always check statements or your servicer’s website to confirm their customer service number rather than assuming this sample information is current or applicable to your loan.

Bottom Line

Dealing with mortgage servicer customer support can sometimes be a frustrating process. But going in armed with the right phone number to call, tips to get effective assistance, and your account information on hand will make it much easier to get issues resolved quickly.

With the right approach, a call to your home loan servicer’s customer service line can solve problems, provide answers, and give you peace of mind about the status of your mortgage account. Don’t be afraid to pick up the phone and call when you need help – it’s what they are there for!