BSI Financial SCRA: A Contact-Page Notice and a Blank HUD Form

BSI Financial Services, the operating name of Servis One, Inc., puts its SCRA language in one paragraph at the bottom of its borrower contact page. Under the heading “Attention Service Members and Dependents,” it says servicemembers on active duty, or a spouse or dependent, “may be entitled to certain protections” under the SCRA “regarding the service member’s interest rate and risk of foreclosure,” and asks anyone in service now, or within the last 12 months, “please notify us immediately” (read November 2, 2026). That is the whole of BSI’s own text. No rate, no desk, no email, no timeline.

The law supplies the rest. A mortgage you took on before entering service is capped at 6% for your service plus one year under § 3937, with the excess forgiven and your payment reduced, and it cannot be foreclosed without a court order for that same window under § 3953. See what the cap is worth on your balance in the savings calculator.

What BSI puts in writing

BSI’s notice is framed around default: it addresses anyone who “joined after signing the Note and Security Instrument now in default.” Read literally, it speaks only to borrowers already behind. The rate cap does not work that way. Section 3937 applies to any obligation incurred before service, current or not, so a borrower who is paying on time is just as entitled to ask.

The blank line in BSI’s HUD notice

BSI’s Loss Mitigation Application packet, linked from its forms page, closes with form HUD-92070, the “Servicemembers Civil Relief Act Notice Disclosure” (form date 6/2017; the copy prints an OMB expiration of 11/30/2024). It is the most complete SCRA statement anywhere on BSI’s domain. It states the 6% cap “during the period of military service and one year thereafter” for a mortgage, the court-order rule for foreclosure, and that a borrower requesting relief must give “a written request to the lender, together with a copy of the servicemember’s military orders.”

Then comes the line where the servicer is supposed to say where that request goes. In BSI’s copy it still reads: “[Note: Lender should place its name, address, and contact information here.]” (read November 2, 2026). HUD built a slot for the address. BSI left it empty.

Two other parts of that notice are worth knowing. It says no written notice is required to get foreclosure protection, and that lenders should check military status through the Defense Manpower Data Center. And it tells you to take SCRA questions to your unit’s Judge Advocate or installation legal assistance office. Both are correct. Neither replaces sending BSI your orders for the rate cut.

Filing with BSI

File your SCRA request with BSI Financial

1. Confirm the mortgage was taken out before your active-duty start date. If it came to BSI by transfer, the original closing date still controls. The debt must be yours, or yours and your spouse’s jointly (§ 3937(a)(1)).
2. Write a request that cites § 3937, names the loan, and asks for the cap effective on your first day of duty. The letter generator drafts one. Attach your orders or a commanding officer’s letter.
3. Mail it with tracking to BSI Financial Services, Customer Care, P.O. Box 517, Titusville, PA 16354-0517, or fax it to 814.217.1366. Mark it “SCRA request” and put your loan number on every page.
4. About ten business days later, call 800.327.7861 and ask whether the request reached the team that applies SCRA rates. Ask for the applied rate, the effective date, and the end date (release plus one year) in writing.
5. Check the next statement for a rate at or below 6%, a lower principal-and-interest payment, and a credit for past interest above 6%. If the credit is missing, use the refund guide.
6. If BSI does not respond, send a written notice of error to the qualified written request address on its contact page: BSI Financial Services, Attn: Qualified Written Requests, P.O. Box 517, 314 S. Franklin Street, Titusville, PA 16354.

Deadline: § 3937(b)(1)(A) gives you until 180 days after you leave service to deliver the notice and orders. The deadline checker works out your date.

Where BSI borrowers lose the cap

Two addresses for the same request. BSI’s contact page sends qualified written requests to P.O. Box 517 in Titusville, Pennsylvania. Its borrower FAQ sends them to 4200 Regent Blvd, Suite B200, Irving, Texas (both read November 2, 2026). When a servicer’s own pages disagree, use the contact page, keep proof of delivery, and if it matters, send to both.

Transfers are where BSI has been caught before. The CFPB’s 2019 consent order against Servis One found that BSI handled servicing transfers with incomplete loss mitigation data and was slow to enter adjustable-rate changes into its system, so some statements asked for the wrong principal and interest. It was not an SCRA case, and the CFPB now lists the order as expired or terminated. But a capped SCRA rate is exactly the kind of loan-level change that has to be entered by hand. Read every statement after the cap is applied, and again after any transfer into or out of BSI. The duties that follow a loan between servicers are in the mortgage servicer guide.

The loss mitigation packet is the wrong form for a rate cut. BSI’s packet asks whether any borrower is a servicemember or was recently sent on a PCS move, and it carries the HUD notice. It is still an application for workouts such as modifications and short sales. Filling it out does not invoke § 3937. Send the separate written request first. If deployment also breaks your budget, then apply for assistance.

A spouse can flag the account but may not get the rate. BSI’s notice invites spouses and dependents to come forward, which is the right practice for foreclosure screening. The 6% cap reaches only debt the servicemember incurred alone or jointly with a spouse before service. A loan in a non-serving spouse’s name alone sits outside § 3937(a)(1).

No Justice Department SCRA case against BSI appears in this site’s enforcement ledger. If BSI refuses a covered request, the escalation playbook is the next step, and the bank leaderboard shows which servicers publish a real SCRA process.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute , or read § 3937 in plain English, with its enforcement record .