Servicing State Disclosures
PRMI Servicing State Disclosures
Federal law requires us to advise you that Primary Residential Mortgage, Inc. (NMLS ID 3094) as the servicer of your loan, is responsible for collecting your payments.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
IMPORTANT BANKRUPTCY NOTICE
Bankruptcy (if applicable) - NOTICE: IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY PURSUANT TO 11 U.S.C. § 101, et. al. AND THIS DEBT WAS NOT REAFFIRMED OR THIS DEBT IS SUBJECT TO THE AUTOMATIC STAY PROVISIONS OF 11 U.S.C. § 362, THIS STATEMENT SHALL BE CONSTRUED ONLY FOR COMPLIANCE, INFORMATIONAL PURPOSES OR TO ENFORCE A LIEN AGAINST PROPERTY AND NOT FOR COLLECTION PURPOSES OR TO IMPOSE PERSONAL LIABILITY FOR SUCH OBLIGATION.
NOTICE TO CUSTOMERS
To provide us with a Notice of Error about the servicing of your loan, or make a Request for Information about the servicing of your loan, please contact us at:
Primary Residential Mortgage, Inc.
Attn: Customer Service Department
PO Box 16690
Salt Lake City, UT 84116
www.primeres.com/make-a-payment - General Servicing FAQs
Should you have any questions or concerns regarding your loan, please contact us at (800) 748-4424. Our office is open Monday – Friday 7:00 AM to 5:30 PM MT.
Pursuant to Section 169 of the Housing and Community Development Act of 1987, you may have the opportunity to receive counseling from various local agencies regarding the retention of your home. You may obtain a list of the HUD-approved housing counseling agencies at https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or by calling the HUD nationwide toll-free telephone number at (800) 569-4287.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Customer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
Federal Trade Commission
Equal Credit Opportunity
600 Pennsylvania Avenue, NW
Washington, DC 20580
1-877-FTC-HELP (1-877-382-4357); TTD: 1-866-653-4261
Servicemembers Civil Relief Act (SCRA) - If you or any other person on this mortgage is a servicemember or dependent of a servicemember, you may be entitled to certain protections under the Federal Servicemembers Civil Relief Act (50 U.S.C. Sec 501) regarding the servicemember’s interest rate and the risk of foreclosure. Counseling for qualified individuals is available at agencies such as Military OneSource and Armed Forces Legal Assistance. To obtain information on counseling assistance, contact the OneSource Center, toll free, at (800)-342-9647 or visit their website: http://legalassistance.law.af.mil.content/locator.php.
If your loan account is in default, in accordance with the terms of your Mortgage/Deed of Trust, Primary Residential Mortgage, Inc. may inspect your property to determine that it is being maintained and occupied. As needed or required, Primary Residential Mortgage, Inc. may secure the property. Securing the property may result in locks being added or changed in an effort to protect the property and may also include winterizing and/or mowing the property as necessary. Any fees for such an inspection and/or property services may be charged to your account.
California Property Owners - The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8:00 a.m. or after 9:00 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
Additional accountings can be requested pursuant to Section 2954 of the California Civil Code.
If you are having difficulty paying your mortgage, you have a right to request that your mortgage servicer conduct an interview to review your current financial circumstances and to request available options to help you stay in your home. This interview must be scheduled within fourteen (14) days of your request. The interview may be conducted by the servicer over the telephone.
Massachusetts Property Owners - NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR. PLEASE SUBMIT YOUR WRITTEN REQUEST TO STOP SUCH COLLECTION CALLS TO PRIMARY RESIDENTIAL MORTGAGE, INC., PO BOX 593, SALT LAKE CITY, UT 84116. The telephone number and hours of availability for Primary Residential Mortgage, Inc. are as follows: (800) 748-4424, Monday–Friday 7:00 AM to 5:30 PM MT.
TEXAS MORTGAGE BANKER DISCLOSURE
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
For those customers who reside in the State of Texas, Primary Residential Mortgage, Inc. will not recognize 3rd Party Property Tax Lien Transfers or Property Tax Deferrals. Those programs create a lien on your property which takes priority over your mortgage. A change in lien position violates your mortgage agreement and we will take the necessary steps needed to ensure the mortgage lien is not at risk.
Arkansas Property Owners- Please note that Primary Residential Mortgage, Inc. is licensed in Arkansas (Mortgage Servicer License Number 11558) and that complaints about Primary Residential Mortgage, Inc. may be submitted to the Arkansas Securities Department via the Department's website (http://www.securities.arkansas.gov/) or toll free (800-981-4429).
Hawaii Property Owners– Primary Residential Mortgage, Inc. is licensed by the Division of Financial Institutions for the State of Hawaii (Mortgage Servicer MS055). A borrower may file a complaint about Primary Residential Mortgage, Inc. with the Commissioner using the following address: Division of Financial Institutions Department of Commerce and Consumer Affairs King Kalakaua Building 335 Merchant Street, Rm. 221, Honolulu, HI 96813.
*If you believe your loss mitigation option request has been wrongly denied, you may file a complaint with the state division of financial institutions at (808) 586-2820 or http://cca.hawaii.gov/dfi/file-a-complaint/.*
Maine Property Owners - The telephone number and hours of availability for Primary Residential Mortgage, Inc. are as follows: (800) 748-4424, Monday–Friday 7:00 AM to 5:30 PM MT.
Minnesota Property Owners – Primary Residential Mortgage, Inc. is licensed by the Minnesota Department of Commerce (Registration MN-MO-20224578). This is not an offer to enter into a rate lock agreement under Minnesota law.
Montana Property Owners – Primary Residential Mortgage, Inc. is licensed by the Division of Banking and Financial Institutions for the State of Montana (Mortgage Servicer 3094). A borrower may file a complaint about Primary Residential Mortgage, Inc. with the Department:
Division of Banking and Financial Institutions, 301 South Park, Suite 316, PO Box 200546, Helena, MT 59620 Phone: (406) 841-2920 Fax: (406) 841-2930
Oregon Property Owners - Borrowers: The Oregon Division of Financial Regulation (DFR) oversees residential mortgage loan servicers who are responsible for servicing residential mortgage loans in connection with real property located in Oregon and persons required to have a license to service residential mortgage loans in this state. If you have questions regarding your residential mortgage loan, contact your servicer at (servicer’s toll-freephone number and email, if applicable). To file a complaint about unlawful conduct by an Oregon licensee or a person required to have an Oregon license, call DFR at 888-877-4894 or visit dfr.oregon.gov.
Utah Property Owners - As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.
West Virginia Property Owners - The activities of collection agencies in West Virginia are regulated by the Attorney General’s Consumer Protection Division, 812 Quarrier Street, Charleston, WV 25301. Federal law prohibits agencies from contacting you about your debt if you send a letter requesting that all contacts stop.
Colorado Property Owners – Our local office is located at PO Box 593, Salt Lake City, UT 84110, (800) 748-4424. FOR INFORMATION ABOUT THE COLO RADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.AGO.STATE.CO.US/CADC/CADCMAIN.CFM. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.
North Carolina Property Owners – FOR NORTH CAROLINA RESIDENTS: Primary Residential Mortgage, Inc. is physically located at 1725 S Central Street, Centennial Park, AZ 86021-1890. You may call 919-733-3016 to contact the North Carolina Commissioner of Banks or to file a complaint about Mortgage Servicing, go to North Carolina Commissioner of Bank’s Website: http://www.nccob.org/public/ConsumerInformation/Complaints/CIFileComplaint.aspx.
*If you believe the loss mitigation request has been wrongly denied, you may file a complaint with the North Carolina Office of the Commissioner of Banks website, www.nccob.gov.*
Wyoming Property Owners – Licensed by the Wyoming Division of Banking (399).
Nevada Property Owners – If you are a qualifying federal worker, tribal worker, state worker or a household member or landlord of such a worker, you may be entitled to certain protections (when applicable) pursuant to the Nevada Revised Statute Chapter 40.531 during a period in which there is a lapse in appropriations for a federal or state agency or tribal government that continues through any unpaid payday for a federal worker, state worker or tribal worker employed by that agency or tribal government. For additional information and to determine eligibility please contact Primary Residential Mortgage, Inc. toll free at (800) 748-4424.
Maryland Property Owners – Primary Residential Mortgage, Inc.’s Customer Service Department is responsible for addressing complaints and inquiries. You can reach them at the toll-free number (800) 748-4424 and they will respond in writing to each written complaint within 15 days, if requested. Primary Residential Mortgage, Inc.’s violation of Section 13-316 of the Maryland Commercial Law will result in Primary Residential Mortgage, Inc, being held liable for economic damages caused by the violation.