Transfer tracker · Free download
Servicing Transfer 60-Day Payment Protection Log
Track mortgage payments sent around a servicing transfer, especially payments mistakenly sent to the old servicer during the federal 60-day transfer-protection period.
2 pagesNo email requiredEditable + printable
Actual first-page previewServicing Transfer 60-Day Payment Protection Log
Before you fill it out
What this resource helps you document
Track mortgage payments sent around a servicing transfer, especially payments mistakenly sent to the old servicer during the federal 60-day transfer-protection period.
01Transfer effective date
02Payment sent
03Where it was sent
04How it posted
05Fee / credit reporting check
Federal baseline to check
Use the form with the rule, not instead of the rule.
These templates organize facts and records. They do not create a borrower right that the underlying regulation, loan terms, investor rules, or state law does not provide.
- The federal transfer protection runs for 60 days beginning on the servicing transfer effective date.
- During that period, a payment mistakenly received by the old servicer on or before the applicable due date, including any grace period allowed by the loan documents, may not be treated as late for any purpose.
- The old servicer must promptly forward an incorrectly received payment to the new servicer or return it and notify the payer of the proper recipient.
Use this resource carefully
- The key date is when the old servicer received the payment, not when the new servicer eventually posted it; keep bank and delivery evidence.
- Record the contractual due date and grace period. The 60-day protection does not make an otherwise late payment timely merely because it was sent to the old servicer.
- If a late fee or delinquency appears, preserve the transfer notice and payment-receipt evidence before asking for correction.