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New Customer FAQ
I already sent my payment to my prior servicer. What happens to that payment?
Your prior servicer will stop accepting your mortgage payment after the transfer date. If you have already mailed your payment to your prior servicer and it is received after this date, it will be forwarded to SPS for processing. Late fees will not be charged for 60 days following the transfer date. In addition, we do not negatively report credit for 60 days following the transfer date.
I was set up for automatic payments with my prior servicer. Will this continue?
If your prior servicer automatically drafted your monthly payment from your bank account there is a possibility that it will transfer to SPS. If this is the case, you will be notified within the RESPA Transfer Notice/Welcome Letter that you receive from SPS. If your RESPA Transfer Notice/Welcome letter does not state that your automatic payments will transfer, your automatic payments will not transfer and you may set up your Automatic Payments with SPS
I carried optional insurance (mortgage, life, disability, etc.) through my prior servicer. Will this continue?
No. If your prior servicer provided you with any type of optional insurance, these services will not continue. Please contact your private insurance provider if you wish to obtain any of these services.
Should I tell my homeowner’s insurance provider that my mortgage loan was transferred?
Yes. Please call your insurance agent to request the mortgage on your insurance policy be changed to read, “Select Portfolio Servicing, Inc., its successors and / or assigns.”
Will the terms and conditions of my mortgage change because of the transfer?
This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan.
At the time of the transfer, I was in the process of a modification, short sale, or repayment plan. Does this process continue with SPS?
If you were working with your prior servicer on a potential modification, short sale, or other repayment plan, SPS will work with you to continue this process with minimal disruption. To continue this process, or if you have any questions regarding your loan on or after the transfer date, please contact our Customer Service Department at (800) 258-8602.
What should I do if I have a question or dispute?
Our knowledgeable Customer Service representatives can assist you with any questions about your loan or disputes. You can reach them at (800) 258-8602.
If you would like to send a written inquiry or dispute, please mail it to our dedicated Notice of Error / Request for Information / Qualified Written Request address below. Sending your inquiry or dispute to any other address or including it with your payment may result in slower response times.
  • Notice of Error / Requests for Information / Qualified Written Request
  • Select Portfolio Servicing, Inc.
  • P.O. Box 65277
  • Salt Lake City, UT 84165
How do I make a payment to SPS?
We offer several payment options, including online, phone, mail, Western Union and automatic reoccurring payments.
Online payments are fast and convenient, and payments made during business hours are posted the same day. Payments can be withdrawn from your bank account. Credit and debit cards are not accepted.A fee of up to $15 may be assessed with this option. Click here to make a one-time online payment.
Payments can be made over the phone at (800) 258-8602. You can make the payment through our automated system or by speaking to one of our representative. Payments will be withdrawn from your bank account, so please have your account and routing number ready. Credit and debit cards are not accepted.A fee of up to $15 may be assessed with this option.
Personal checks, cashier’s checks and money orders can be mailed to the address below. In order to ensure quick and accurate processing of your payment, please include your SPS account number and your property address.
  • Payment Address
  • Select Portfolio Servicing, Inc.
  • P.O. Box 65450
  • Salt Lake City, UT 84165-0450
Western Union
Payments can be made by Western Union using the codes below.
  • City: Oswald
  • State: UT
Automatic Payments
Our free Automatic Payment Program provides a convenient, safe and reliable way to make your payment. The funds are automatically deducted from your checking account each month. When you enroll in the program, you can select the day of the month that the deduction is made.
Click here for more information.
Why did my loan transfer to SPS?
It is common practice in the mortgage industry to sell or transfer the servicing of a loan. We can assure you, we are one of the top mortgage servicers in the industry and we look forward to having you as an SPS customer.
Does SPS own my loan now?
SPS did not buy your loan. SPS is a mortgage servicer, which means we manage your account on behalf of the note holder. The loans we service are either part of a mortgage-backed security or owned by an institutional investor.
Can I go to a local SPS branch?
No. SPS does not have branch offices. Our knowledgeable representatives are available to assist you over the phone at (800) 258-8602. Please contact us with any questions or concerns you may have.
Can SPS refinance my house?
No. SPS is not a bank so we do not refinance. If you would like to refinance you house, please contact the bank or lender of your choice to start the process.