No, we do not use the postmark date from the envelope. Your payment is considered received the day it is delivered to our payment processing center or operations center.
Yes, please call 1-866-392-1860 to speak to a Customer Care Representative or make a payment using the automated system. Please have your bank account number and routing number available when you call.
Your payment is considered late one day after the payment due date. However, late charges are assessed in accordance with the “grace period” specified in your Note or Retail Installment Contract.
If two or more weeks have elapsed since you sent your payment, please contact our
Customer Care Department with questions at 1-866-392-1860 Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.
You may set up electronic billing by logging in to your online account. In order to activate this service, the primary borrower must initiate the setup. The electronic service may take a full billing cycle to activate. You can also cancel this service using your online account, or you may contact our
Customer Care Department with questions at 1-866-392-1860 Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.
A forbearance means that for a specified time period, you are not required to make your monthly mortgage payments. Additionally, during the forbearance period, you will not be assessed late fees and negative credit reporting on your account will be suspended. If you are eligible for a forbearance, you will receive a confirmation letter in the mail confirming the Forbearance Agreement (including the forbearance period). At the end of the forbearance period, any unpaid payments will become due. At that time, you will need to either pay the amount due or contact us to discuss creating a repayment plan to bring the account current or apply for a loan modification or other loss mitigation option. If you would like to apply for a payment forbearance plan, please provide limited details as to why/how your income has been impacted by COVID-19. For example, let us know if you have experienced a loss of income or employment due to COVID-19. Upon receiving this information, we will review the account for available assistance.
You may request a forbearance by sending a request through the Message Center by logging into your account. Don't have an online account? Create one now to access your loan details, make payments, and get the answers you need.
Contact Information
Payoff Requests
To Request a payoff statement for your loan.
Online: Log into your account and select the Payoff Quote option located on the Home screen.
Fax to: GMFS LLC 1-720-241-7537 Attention: Payoff Department Please include your name and loan number on all requests.
Payments
To view all available payment methods, please click here.
Disputes
For requests for information and notices of error regarding your account, please use the address GMFS has designated under the Real Estate Settlement and Procedures Act and Regulation X for this purpose:
GMFS LLC c/o Specialized Loan Servicing
P.O. Box 630147
Littleton, CO 80163-0147
Request for Information: A request for information is a written request (other than a notice on a payment coupon or other payment medium supplied by the servicer) relating to the servicing of the mortgage loan that includes: (1) your name, (2) information that allows us to identify your mortgage account and (3) the information you are requesting regarding your account.
Notice of Error: A notice of error is written request (other than a notice on a payment coupon or other payment medium supplied by the servicer) that asserts a certain specified error that includes: (1) your name, (2) information that allows us to identify your mortgage account and (3) the error you believe occurred relating to the servicing of the mortgage account.
Resolution Process – What You Can Expect:
GMFS will provide a written acknowledgment of your inquiry within 5 days of receipt of your request (excluding legal public holidays, Saturdays and Sundays).
GMFS will provide a written response within 30 days (excluding legal public holidays, Saturdays and Sundays) and will make corrections to your account, if appropriate, depending on the outcome of our review.
After receipt of a notice of error, GMFS will not furnish adverse information to a credit reporting agency regarding any payment that is the subject of a notice of error while your inquiry is being reviewed.
A request for information or notice of error does not prevent GMFS from initiating foreclosure if proper grounds exist under the mortgage documents.
Untimely Requests: A request for information or notice of error is not considered timely if the written correspondence is received more than one year after either the date of transfer of servicing or the date the mortgage account was discharged (either paid in full or discharged through foreclosure or a deed in lieu of foreclosure or a short sale without full satisfaction of the underlying contractual obligation). Please note a mortgage servicer is not obligated to respond to an untimely request for information or notice of error.
For residential mortgage loans on real estate located in the State of Texas:
COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 21, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the Department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.
Disaster Assistance
If you reside in an area impacted by a federally-declared disaster, you may qualify for a short-term disaster forbearance. If you're not sure if the impact in your area has been declared as a natural disaster, visit the website Federal Emergency Management Agency's (FEMA) for more information.
If you are in a confirmed FEMA disaster area, please contact Customer Service at 1-866-392-1860
Insurance
Policy Information:
All property insurance policies should include the following mortgagee clause:
GMFS LLC, ISAOA
C/O Specialized Loan Servicing LLC
P.O. Box 4500
Springfield, OH 45501
Insurance documents may be mailed to the address above, faxed to 1-678-475-8763 or uploaded to www.MyCoverageInfo.com (PIN: mci2453).
Insurance Loss Claims:
If you have experienced a loss and need to submit a claim, you may upload the required documents and information track and the progress of your claim online 24/7 by accessing and creating an account at the Insurance Loss Claim Website
Alternatively, you may communicate with us regarding your loss claims by sending your check(s) and other required documents via regular mail or overnight mail or via fax at any time, as follows:
Mail:
GMFS LLC
Attention: Loss Draft Department 500
P.O. Box 6501
Springfield, OH 45501
Overnight Mail:
GMFS LLC
Attention: Loss Draft Department
One Assurant Way
Springfield, OH 45505
Fax:
1-678-459-9746 (Attention: Loss Draft Department)
Other Inquiries:
For other inquiries please call our Insurance Department at 1-800-441-4145
Real Estate Taxes
If your inquiry involves real estate taxes, please contact our Tax Department at 1-866-801-1373
General
For general inquiries and communications that do not include requests for information or a notice of error regarding your account, our general mailing address is:
GMFS LLC c/o Specialized Loan Servicing
P.O. Box 636005
Littleton, CO 80163-6005
Attention: Customer Care Support
Please include name and loan number on all correspondence
Our fax number is: 1-720-241-7218
Please include name and loan number on all faxes
You may contact Customer Support via your message center by logging into your account, clicking on the message center letter icon, and clicking the “New Message” icon.
New York Customers: The online messaging feature is not available. If you have any questions or need assistance, please reach out to our Customer Care Department at, 1-866-392-1860. Our hours of operation are Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. We accept calls from relay services on behalf of hearing-impaired borrowers.
Please note these general contacts above should not be used to submit a request for information or notice of error regarding your account. All disputes must be sent to the designated address found under the Disputes tab.
