What If My Mortgage Servicer Won't Work With Me on Options?

If a servicer is unresponsive, loses your paperwork repeatedly, or won't evaluate you for loss mitigation despite a complete application, you have escalation paths.

How to Escalate

File a formal written complaint with the servicer's error-resolution department (this triggers specific legal response requirements), file a complaint with the Consumer Financial Protection Bureau or the Texas Department of Savings and Mortgage Lending, or involve an attorney who can apply legal pressure directly.

Document every call, date, and name along the way — that record becomes essential if you need to escalate formally.