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How to Fax Mortgage, Loan Servicing and Rental Documents

Lenders, mortgage servicers and landlords sometimes ask for pay stubs, bank statements or signed forms by fax. Here's how to send them, and when a letter must go to a special address instead.

Published: 2026-10-19

Lenders, mortgage servicers, landlords and property managers often ask for supporting documents: pay stubs, bank statements, a hardship letter, a mortgage assistance application or a signed form. Many have an upload portal, and some give you a fax number. If yours gave you a fax number, you can send the documents from your phone or computer with AnytimeFax, without a fax machine, account or subscription. One important exception: a formal notice of error or request for information to your mortgage servicer has its own rules, and your servicer may require a specific address for it.

Error notices and information requests may need a special address

Under Regulation X (§ 1024.35 and § 1024.36), a servicer may give you written notice of an address you must use for notices of error and requests for information. The CFPB says that if your servicer uses a special address, you must send the letter there. Servicers may also offer email or website intake, but only in addition to mail. The rule doesn't mention fax. Send those letters where your servicer says, and use fax for supporting documents when they ask for it.

Your servicer must tell you what's missing

If your servicer receives a loss mitigation (mortgage assistance) application 45 days or more before a foreclosure sale, Regulation X (§ 1024.41) requires it to notify you in writing within 5 days, excluding weekends and legal public holidays, whether the application is complete. If it's incomplete, the notice must list the missing documents and give a reasonable date to send them.

What you need

  • The fax number your lender, servicer, landlord or property manager gave you, taken from their letter, your online account, your lease or their official website.
  • Your loan or account number, or your unit and lease details, plus any case or application reference they asked for.
  • The documents as a PDF, DOC or DOCX file — up to 10 MB in total and 20 pages per order (larger jobs can be quoted).
  • An email address to receive a one-time verification code.

Step-by-step

  1. Check which channel they asked for

    Read the letter, email or message in your account. If they offer an upload portal, that is usually the most direct route. If they list fax, use the exact number they give you. For a landlord or property manager, use the channel they give you or the one in your lease.

  2. Put your loan number on every page

    Add your name, loan or account number and any application or case reference to each page, or to a cover page. For rentals, include your name, the property address and unit number.

  3. Scan or export to PDF

    Scan pay stubs, bank statements and signed forms so the text is readable. Dark text on a white background survives the conversion to fax best. Make sure every signature page is included, and black out anything they didn't ask for.

  4. Upload and enter the number

    Upload one or more files on Send a Fax. They are merged in the order you upload them, so put the application or cover page first. Type the fax number and compare it with the source.

  5. Verify your email and pay

    Enter the one-time code sent to your email. Because bank details and tax IDs are sensitive, you'll confirm at checkout that you're sending them on your own behalf. Your first one-page fax is free (once per email address). After that: $4.99 for 2–4 pages, $5.99 for 5–10 pages and $7.99 for 11–20 pages. If you already used the free fax, a single page costs $4.99 (Standard) or $20 (Urgent).

  6. Keep proof and follow up

    Save your order ID (it starts with AF-) and the invoice from the Track Order page. Write down the date you sent the fax, and check with your servicer, lender or landlord that they have what they need.

Tips

  • For a loss mitigation application, watch for the servicer's written notice. If it lists missing documents, send them by the date it gives.
  • Regulation X generally requires a servicer to evaluate a complete loss mitigation application within 30 days if it is received more than 37 days before a foreclosure sale.
  • The CFPB says a servicer must acknowledge a notice of error or information request within five days and generally respond within 30 days, not counting weekends and legal public holidays. Keep making your payments while you wait.
  • If a lender asks for access to your tax transcript, the IRS says the lender sends the Form 4506-C request and you approve it with your electronic or physical signature. You can also reject it.
  • Before sending bank statements to a new number from an email, confirm it by phone. For home closings, the CFPB advises avoiding phone numbers or links in an email and using only the phone numbers you saved.

Common mistakes

  • Faxing a notice of error or request for information when your servicer requires a specific address for those letters.
  • Writing a dispute or question on a payment coupon. The CFPB says not to.
  • Leaving off the loan number, so documents can't be matched to your application.
  • Using a fax number from an email or unofficial website instead of the one your servicer, lender or landlord gave you.
  • Paying a company upfront to help with your mortgage. The FTC says never to pay upfront for promises of mortgage relief.
  • Assuming a delivered fax means your application is complete or approved.

Delivery expectations

Standard, Extended and Large orders are delivered within 24 hours, and the free one-page option can take up to 3 days. Urgent orders ($20, up to 20 pages) are processed within 90 minutes of payment confirmation. A successful delivery confirms that the fax was transmitted to the recipient's fax number; it does not confirm that someone has reviewed or accepted your document. Review and response timelines are set by your servicer, lender or landlord and by federal rules, not by AnytimeFax.

Alternatives

  • The upload portal in your servicer's or lender's website or app, when they offer one.
  • Mail to the address they give you — for a notice of error or information request, the special address your servicer designates, if it has one.
  • A HUD-approved housing counselor, which the CFPB and FTC point to for free help with mortgage assistance options.
Fax Your Documents

Frequently asked questions

If your servicer gives you a fax number for them, yes. Use that exact number and put your loan number on every page. If it offers an upload portal, that's often the most direct route.

Regulation X lets a servicer set an address you must use for notices of error and information requests, plus optional email or website intake in addition to mail. It doesn't mention fax. Send those letters where your servicer says, and fax supporting documents if asked.

If it receives the application 45 days or more before a foreclosure sale, it must tell you in writing within 5 days, excluding weekends and holidays, whether it's complete. A complete application received more than 37 days before a sale generally must be evaluated within 30 days.

Use the channel your landlord or property manager gives you, or the one in your lease. If they give you a fax number, you can send pay stubs, applications or signed forms with AnytimeFax.

With AnytimeFax, files are uploaded over HTTPS, stored encrypted with AES-256 and automatically deleted 30 days after your order is completed. Only you and authorized operators can open them.

Official sources

Last verified: 2026-10-18

AnytimeFax is an independent service operated by Rise & Built Corp. It is not affiliated with any lender, mortgage servicer, landlord, the CFPB, the FTC, the IRS or any government agency. Third-party requirements were checked on the date shown above; always confirm current requirements with the recipient. This page is general information, not legal or financial advice.