Federal regulations require all loan servicers to notify you in writing at least 15 days before the servicing of your loan is transferred to a new servicer. QRL Financial Services uses LoanCare, LLC to subservice your loan. LoanCare, LLC is a leading national provider of full-service residential servicing to the mortgage industry. The letter that you received is the legal notice.

The letter includes the effective date of transfer, the date your current servicer will stop accepting payments and the date the new servicer will be accepting them; the name, address, and telephone number of new servicer; optional insurance information; and that the transfer of servicing does not affect any term or condition of your mortgage documents, other than the terms directly related to the servicing of your loan. Please note that on the effective date of transfer during this 60-day transition period, that payment will not be treated as late if you mistakenly sent it to the previous mortgage servicer instead of the new one.

Yes. We offer a secure online system, accessible 24-7 through LoanCare, LLC. First time users will need to register using the LoanCare Account Number found on your Welcome Letter or Monthly Billing Statement (the loan number provided at your loan closing is a temporary loan number).

Visit LoanCare

To register, select "Not Registered" under the secure login and complete the registration form.

Provided you have not signed up for the e-statement option, LoanCare, LLC will mail a monthly billing statement each month. Coupon books are no longer issued.

The loan account number appearing on your loan documents is a temporary or "old account" number. When the loan is set up on the LoanCare, LLC system, a new loan account number is assigned.

Please make sure that you use the new LoanCare, LLC loan account number on all of your payments and inquires going forward. If you have set up automatic bill pay and it uses the old account number, please contact LoanCare, LLC to have them change it to the new Loan Care, LLC loan account number.

When your loan was closed, you were provided with a Payment Letter. The Payment Letter contained temporary coupons that you should use until you start receiving a monthly billing statement. Please mail your temporary coupon with payment to:

LoanCare
PO Box 8068
Virginia Beach, VA 23450

Standard Payoff Request

LoanCare provides three options to receive a payoff letter. The standard turnaround time is 2 to 3 business days.

1. Use the secure payoff request form
2. Email the request to payoffs@myloancare.com or fax the request to 904-366-2039. Be sure to include:

• • Loan Number
  • Property Address
  • Date the payoff should be good through date (if none is provided, it will default to 30 days)
  • The fax or email address where the payoff quote should be sent to
  • Note: If a title company is submitting the request, a borrower authorization must be provided. Electronic signatures are not acceptable.

3. Use the automated phone system to request a payoff quote by calling 855-803-5177

Emergency/Rush Payoff Request

For emergency or rush request, please contact QRL Financial Services at 888-766-4734. Ask for Customer Support. We're happy to assist.

QRL Financial Services partners with credit unions and community banks across the country to process, underwrite, and close mortgage loans. If you're looking for a new loan or you'd like to refinance a loan that's currently serviced by QRL Financial Services, simply click here to provide some information to get started.

Business Hours

Monday - Friday:  8:am - 10:00pm EST
Saturday:  8:am - 3:00pm EST

Contact

Telephone: 888-766-4734
Fax: 608-829-7971
Email: customersupport@qrlfinancial.com
Secure Form: Click here

Mailing Address

Loan Inquiry and Payments
QRL Financial Services, a division of First Federal Bank
P.O. Box 8068
Virginia Beach, VA 23450