Newrez SCRA (Shellpoint): 6% Cap, PO Box 10826, a 9-Month Error

Newrez runs its mortgage servicing under two names: Newrez, and Shellpoint Mortgage Servicing, which its own site describes as Newrez LLC doing business as Shellpoint. On August 15, 2026 neither newrez.com nor shellpointmtg.com had an SCRA page, and neither FAQ mentions the Act. The word appears in two places. One is a Newrez lending blog post from November 18, 2025 about deployment and VA loans, which carries a short SCRA table. The other is the standard servicemember notice printed on Newrez servicing letters. Between them they give you a rate, a duration, one mailing address, two phone lines, and one mistake.

The rate is the statutory one: a mortgage originated before active duty caps at 6% under § 3937, during service and for one year after, with the excess forgiven. The mistake is about foreclosure, and it is worth knowing before you talk to anyone at Newrez.

What Newrez publishes, next to the statute

The 9-month figure is not a typo Newrez invented; it is an old law. § 3953 protected mortgages for 90 days after service until 2008, for 9 months from 2008 to 2012, and for one year since a 2012 amendment that Congress made permanent in 2018. All of that is in the amendment notes under the section at uscode.house.gov. Newrez’s own letters have it right at twelve months. If a representative tells you nine, you are being read a page that predates the current statute by more than a decade. The foreclosure guide covers what the one-year rule requires of a servicer.

Filing without a desk

File your SCRA request with Newrez or Shellpoint

1. Confirm the mortgage originated before your active-duty start date. Newrez’s blog states the same requirement.
2. Read the brand on your statement. Shellpoint borrowers call 1-800-365-7107 (Mon to Fri 8 a.m. to 9 p.m., Sat 10 a.m. to 2 p.m. ET); Newrez-branded letters print 866-317-2347 with the same hours. Ask the agent to note an SCRA request on the loan.
3. Send it in writing regardless of what the agent says. The letter generator drafts a § 3937 notice; attach a copy of your orders and put the loan number on every page.
4. Mail to Shellpoint Mortgage Servicing (or Newrez), PO Box 10826, Greenville, SC 29603-0826, the correspondence address both brands print, or fax to (866) 467-1137. Keep the tracking or fax confirmation.
5. Ask for the applied rate, the effective date (your first day of duty), the recalculated payment, and the end date (separation plus one year) in writing, and check the next statement.
6. If it does not post, send a Notice of Error to the same PO Box; both contact pages name it as the error-resolution address. Then use the escalation playbook.

Where Newrez borrowers trip

“SCRA support” on a lending blog is not a servicing procedure. The blog is written for VA borrowers thinking about deployment and ends by inviting you to speak with a Newrez VA loan expert. That is the sales side. The people who apply a rate cap sit in servicing, behind the two numbers above and one PO box, and nothing on either domain tells them how to handle your letter. So your letter has to do the telling: cite § 3937, name the loan, give the dates, ask for confirmation.

Alternate payment plans are the blog’s answer to hardship, and they are not the cap. Forbearance, modification, and modified repayment schedules pause or restructure the debt; the SCRA lowers the rate and forgives everything above 6%. Take the cap first, size it in the savings calculator, and only then decide whether a plan is worth its cost.

The IRRRL nudge. The same post recommends a VA streamline refinance to lower monthly costs during deployment. Refinance while serving and the new note post-dates your service, which forfeits both the cap and the § 3953 shield. Do the math on the capped loan before you sign anything.

Transfers into Shellpoint. Shellpoint’s site is built around loans that arrive by transfer, with an “I’m New” track and a page on what happens when your loan transfers. A capped rate is a flag that can drop in boarding. Check the first statement, and if the contract rate came back, send your prior confirmation and orders to the Greenville box that week. If a foreclosure notice ever arrives inside your protected window, take it to installation legal assistance the same day, and remember the number is twelve months, not nine. See how Newrez compares on the bank leaderboard, and the universal process in the mortgage servicer guide.

The law behind this: 50 U.S.C. § 3953

Mortgages and trust deeds: no valid sale or foreclosure without a court order during service and one year after: read the statute , or see where it sits in the whole Act .