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Did you just close on a new mortgage? Congratulations! Whether you’re buying your first or your 10th home, or even refinancing to put yourself in a better financial position, it’s a big deal.

While this is very exciting, you should also know that after getting your mortgage, a lot of companies take this as a signal that you might be interested in products that go along with homeownership. This means you’re going to get a lot more mail than you normally do and it won’t necessarily be your grandma’s holiday cookies. You’ll also get some strangely worded mail from the investor in your mortgage after you close your loan. We’ll explain what this means and why you really shouldn’t have to worry about it.

Why All This Mail?

There are two types of mail you may receive for a while after you get into your new house: mail for the previous occupants and offers for various products and services.

Dealing with Someone Else’s Mail

When you move into an existing house, the hope is that the previous owner remembered to fill out a change of address form with the U.S. Post Office before running out the door.

If they didn’t, you can mark the envelope “return to sender.” That way, their correspondents will at least know it’s time to update their address books.

Mail for Products and Services

When you move, marketers know that protection and maintenance services for your new home are top of mind for a while right after you move in. How do they get your information? They can get it in one of a few ways:

Companies involved in a previous transaction with you may sell your information to interested parties. Quicken Loans will never sell your information.

When you move, many records become public information. This means that parties interested in selling you products and services can freely get data on you from your deed recording within a week or two after closing. This information includes:

  • the mortgage lender
  • the borrower (you)
  • loan amount
  • loan number
  • property address

Because part of the information recorded includes the lender, companies that are trying to deceive you may attempt to sell you products or services and represent themselves as Quicken Loans. There are a few things you should know in order to avoid getting taken by a company misrepresenting itself:

Some companies won’t say who they are, but will place our logo on their mailer. They may offer autopay for a small fee attached to every payment or a couple hundred dollars to start the plan. Quicken Loans offers a variety of payment options including autopay, but we’ll never charge you to make a payment.

You may also get offers for a couple of different types of life insurance. In the case of mortgage life insurance, these policies take effect if an unexpected life event causes you not to be able to make a couple of mortgage payments. The second type of life insurance pays a benefit to you or your loved ones if the person named in the policy passes away. While these policies in and of themselves aren’t a bad thing, companies may try to present them as if Quicken Loans is offering them. We don’t offer any life insurance service. If you’re considering these policies, look for a company that is honest about who they are.

You may also get mail for lawn and snow removal service, security systems, etc. You may or may not want to take advantage of these offers. You can also take steps to reduce or eliminate junk mail.

Investor Sale Letter

Quicken Loans is a mortgage originator. That means that Quicken Loans, like the majority of today’s mortgage lenders, make the loan upfront when you close your mortgage and then the loan is made available on the open bond market through one of the major mortgage investors (Fannie Mae, Freddie Mac, FHA, VA, etc.). Because of this, within the first month or two after closing your mortgage, you’ll get a letter from your mortgage investor saying that your mortgage has been sold.

Unfortunately, this causes a fair amount of confusion for some of our clients. Here’s what you should know.

Your relationship with Quicken Loans doesn’t end when you get this letter. We’re still your servicer. That means we collect your monthly payments and act as the liaison between you and the mortgage investor. If you ever have any problem at all with your loan or trouble making a payment, you can start by contacting us. We’re here to serve you for as long as you have your mortgage with us. That’s our promise to you.

Hopefully this has helped you understand some of the mail you’re receiving after getting your new loan. Do you still have questions for us? No problem. Leave them in the comments below.

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This Post Has 223 Comments

    1. Good morning, Kim:

      While that is never the intention of our emails, I certainly understand where you’re coming from. I’m going to remove the email address associated with this comment from our marketing email database, but should you have any other contact information you would like removed, you can do so yourself through our communication opt out page. Have a good day!

    1. Good afternoon, Gary:

      I’m able to remove your email address that you provided from our database. In order to remove yourself from physical mailers, we request that you use this form by inputting your address. This will give you control over any and all marketing communications from Quicken Loans. Unfortunately, there are many public records and credit triggers that companies will pick up based on your mortgage transaction. In order to opt out of mail from third parties, you’ll have to contact these companies individually. Quicken Loans never sells your personal information. Thanks for reaching out and have a wonderful day!

    1. Hi Annamaria:

      Thank you for reaching out! What I can do and have done is remove you from our marketing databases for both email and physical mail.

      Unfortunately, there are many public records associated with your mortgage transaction and there are companies who will search these databases and get your information for sales purposes this way. Additionally, when you refinance, many companies have what are called credit triggers in place. This means they get alerted by the credit bureaus when your credit is pulled for any financial transaction. The theory is that if you’re examining one aspect of your financial life, you might be ready to explore other financial options like life insurance, etc.

      If you get any offers from third-party companies that aren’t Quicken Loans, you’ll have to contact these companies individually to opt out. I do want to let you know that Quicken Loans never sells your information.

    1. Hi Nancy:

      You’re all set! Congratulations on your refinance! As a reminder, there are many public records tied to your mortgage if you’re getting mail from others. You’ll have to opt out with each company individually. Quicken Loans never sells your information. Have a great day!

    1. Hi Qida:

      Congratulations on your purchase of your new home! I’ve taken you out of our physical and email marketing databases, so you should be all set on our end. If you receive mail from third parties, you should know that there are many public records related to your mortgage transaction and that you’ll have to opt out individually with these companies. Quicken Loans never sells your information. Have a great day!

    1. You’re all set. I’ve also changed your name to anonymous so that your email address won’t be public in the comments section. As a reminder, if you’re getting offers from third parties, those are related to public records associated with your mortgage transaction. You’ll have to opt out with these companies individually.

      1. Hi Linda:

        Our records indicate your email and mailing address have been removed from our marketing database already. If you have another email or address to opt out, you can do so here. Have a great day!

    1. You’re all set! Congrats on your refinance! As a reminder, if you getting mail from third parties as a result of public records related to your mortgage transaction, you’ll have to opt out with those companies individually. Have a good night!

    1. Thanks for reaching out! We’ll make sure to get you out of our databases for marketing purposes. If you’re getting mail from third parties, it would be related to public records associated with your mortgage transaction. You’ll have to contact them individually. Thanks!

  1. Please remove me from all junk emails and unsolicited mail. I do not want my information out there. Thank you!

    1. Hi Sofia:

      I’ve taken you out of our mail and email database. I also want to assure you that Quicken Loans doesn’t sell your information. With that said, you may find that you do receive some offers from third parties. Many records related to a mortgage transaction are public because certain things have to be recorded with the county. There are businesses who will also send you offers when your credit is pulled based on triggers they have set up. The idea is that if you’re ready to take a step with your mortgage, maybe you’re ready to think about other things financially. If you do receive mail or other offers from third parties, unfortunately you’ll have to opt out with them individually. I hope this helps!

    1. Hi Anna Marie:

      I’m going to remove the email address you just left from our marketing databases. Have a great day!

    1. You’re all set! If you’re getting other mail from third parties related to public records around your mortgage transaction, you’ll have to contact them individually, but you’ve been removed from our databases for marketing purposes. Congratulations on your refinance and have a wonderful day!

    1. Hi John:

      I’ve successfully removed you and your wife from our marketing database for mail and email. Also, if you’re getting mail from third parties regarding your mortgage transaction, you should contact each of them individually because they’re getting your info from public records. Thanks for reaching out!

    1. We’ve successfully removed you and your wife from our marketing database. If you’re getting mail from others based on public records, you will have to contact them individually. Congratulations on your new loan and have a great day!

    1. Hi Jennifer:

      Unfortunately, when you pull your credit for any significant loan, many companies have what are called credit pull triggers in place. Companies figure that if you are making one financial move, maybe you’re ready to evaluate other items in your financial portfolio including insurance. There’s nothing we can do to help you stop this ourselves, but one thing you can do is opt out through the Direct Marketing Association. I hope this helps somewhat.

  2. I’m getting tons of junk mail from QUICKEN LOANS begging & trying to manipulate me into getting life insurance. STOP ALL JUNK… EMAIL AND POST MAIL.

    1. Hi Sharon:
      I’ve removed you from our marketing email and postal mail database. However, Quicken Loans doesn’t sell life insurance, so I’m going to get this to our client relations team so they can look into this for you. Thanks for reaching out!

      1. Hi Kim:

        You’re all set! As a reminder, if you’re getting mail from third party, it’s because they have credit triggers set up and/or they are looking at public records associated with your mortgage. You’ll have to opt out with these companies individually. Quicken Loans never sells your information. Thanks for reaching out!

    1. Hi Joyce:
      You’re all set! I’ve removed you from our marketing email and postal mail database. You may be getting mail from other third parties related to public records associated with your mortgage transaction. You’ll have to contact those companies individually for removal. Hope this helps, and have a great day!

      1. You are all set. I’ve removed you from our marketing database. As a reminder, if you are getting email from third parties, you’ll have to contact each of them individually to get off the mailing list because there are many public records associated with your transaction.

    1. Hi Carol:

      I would be happy to remove you from our email marketing database, but your address doesn’t actually show up in my system. Perhaps there was a typo in the email address you left with your comment. Regardless, you may unsubscribe from our emails yourself by going to this page. I’m also going to get your information over to our Client Relations team. Our marketing is not intended to be rude, and we would like to get more feedback from you if possible. Thanks for reaching out!

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