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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 247 Comments

    1. Good afternoon, JoLene:

      Thanks for reaching out! The thing I can directly help you out with is opting out of our marketing emails. I’ll take care of that now. I don’t have access to your address because we have strict privacy controls in place so that only those that need it have access to your loan file. However, you can opt yourself out of physical marketing mailers from Quicken Loans by visiting this link.

      Unfortunately, much of the junk mail you receive after the close of your mortgage is due to the fact that many of the records surrounding your transaction are public and must be given to local authorities so anyone can see them. If you’re getting mail from third parties, you often have to opt out with each of those services individually. However, there are marketers that participate in trade groups that maintain their own “do not market” lists. This blog post has links to several such services that might help stop you from receiving so many offers. I hope this helps, and have a wonderful day!

  1. Please stop the infested JUNK MAIL! If I need to look for something or purchase something, I can search for it myself!
    Thank you!

    1. Hi Jim:

      I’m happy to take you out of our email database. Due to strict privacy controls, I don’t have access to your home address to stop physical mail, but you can do that yourself by filling out your information on this page. I hope this helps! I do want to make sure we point out that much of the mail you receive after a mortgage closing is actually related to public records related to your transaction. If you’re getting offers from third parties you’ll have to request removal individually with each of them. Have a good day and enjoy your weekend!

    1. Hi Pam:

      Thanks for reaching out! I don’t have access to your physical address to opt you out of mailers due to privacy considerations. However, you can take care of that yourself at this link. I will go ahead and remove you from our email database.

    1. Hi Connie:

      Due to privacy considerations, only those with a need to access your address have it. I can remove your email from our database, but you can control your own physical mailing preferences at this link. As a reminder, if you’re getting mail from third parties related to public records surrounding your mortgage transaction, you’ll have to opt out with those companies individually.

    1. Hi Susan:

      I can remove you from our email list immediately. Due to strict controls around client privacy, I don’t have access to your physical address, but you can opt out of mail here yourself. As a reminder, if you’re getting mail from third parties, that’s due to public records around your mortgage.

    1. Hi Susan:

      I can take out the email address you’ve left. If you want to remove any other contact information, we have a marketing preferences form here. You can put in your physical address and other items to get them taken off the list. If you’re getting mail from third parties, you’ll need to opt out with those companies individually. They get your information from public records related to your mortgage. Have a great day!

    1. Hi Lillian:

      I’ve removed the email address you left from our marketing database. If you have a loan with us, you will still receive important communications regarding its status. Have a good day!

  2. Cancel this don’t send me any more information I don’t need this crap I’ve already got a loan with you stop this harassment

    1. Hi Mary:

      We never wish for our clients to be harassed. The aim of our communications is to provide you useful information as a homeowner. With that said, I understand not everyone likes all the communications. I’m going to remove you from our marketing email databases. Should you wish to be removed from physical marketing mail, you will need to fill out this form as I don’t have access to your loan information. A majority of the mail you receive after closing your loan is actually from third parties doing public records searches. You will need to contact third parties individually.

    1. Hi Rose:

      I can up to you out of our email using the address you provided with this comment. Because only those that need access to your loan information have it, I don’t have your address to remove you from our physical mail databases. However, you can remove yourself here. Most information you get after a new loan closes is actually due to people searching public records surrounding your mortgage, so if you’re getting offers from third parties, you will have to contact them individually about removal. I hope this helps!

    1. Hi Landon:

      I’ve gone ahead opted out the email address you left. Due to strict privacy controls the only late those who need access to your loan access it, I don’t have the ability to opt out your personal address. You can opt out your physical mailing address using this page. Have a great day!

    1. Hi William:

      I can opt you out of email and will be doing so. Given strict privacy controls to make sure that only the team members that need to know your personal information know it, I can’t opt you out of physical mail or other forms of communication myself, but you can do so yourself at this link. Thanks for reaching out!

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