RoundPoint Mortgage SCRA: DMDC Check, 6% Cap, and the Orders Email

If RoundPoint Mortgage Servicing holds a mortgage you signed before active duty, the SCRA caps it at 6% for your whole service plus 12 months, and RoundPoint says so on its own page. Its “Assistance for military families” page, linked from the main menu as “Assistance for Military Families (SCRA),” states that the rate on a pre-existing loan drops to a maximum of 6% “including fees,” that the reduced rate lasts “for the duration of active duty plus 12 months,” and that the SCRA “prevents foreclosure without a court order during active duty and extends 12 months beyond service” (read November 2, 2026).

What sets RoundPoint apart is how it learns you are serving. The page says: “Our information is based directly from the Department of Defense Manpower Data Center’s website.” The law allows exactly that. Under § 3937(b)(1)(B), a creditor may use a DMDC lookup in place of your letter and orders. So the cap can start without a request from you. Your job is to catch it when the database is wrong.

What RoundPoint puts in writing

“Including fees” matters more than it looks. Under § 3937(d)(1), “interest” covers service charges, renewal charges, and fees. A covered loan cannot carry extra charges that push the true cost back over 6%. RoundPoint’s wording matches the statute.

What the cap is worth on a RoundPoint loan

Say you owe $300,000 at 7.25% when your orders arrive. The 1.25-point gap is about $312 a month in interest at that balance ($300,000 times 1.25%, divided by 12). Over a 12-month deployment plus the 12-month tail, that is roughly $7,500 forgiven, not deferred, under § 3937(a)(2). Your monthly payment also drops by the forgiven amount under § 3937(a)(3). That keeps the excess from being folded into principal. The real figure shrinks a little as the balance amortizes. Run your own numbers in the savings calculator.

If your RoundPoint rate is already 6% or lower, the cap changes nothing. The foreclosure shield in § 3953 is then the protection that counts. The foreclosure guide covers it.

The four denial reasons RoundPoint lists

RoundPoint’s page says SCRA benefits “can be denied for one of four reasons.” Each one maps to a real rule, and only one of them is fixable with paperwork.

1. Your service started before the debt. RoundPoint: “Your active duty has to start after you signed your mortgage note.” That is § 3937(a)(1), which reaches only debt incurred “before the servicemember enters military service.” A loan you closed while already on active duty is not covered.
2. More than 12 months have passed since your service ended. The cap on a mortgage runs for service plus one year and then stops.
3. Your branch or status is not covered. See the Guard section below before you accept this one.
4. RoundPoint never received your orders. This is the paperwork denial. RoundPoint’s own text says you can still qualify if you are on active duty or within 180 days of your service ending. That is the § 3937(b)(1) deadline.

RoundPoint says a denial comes with “a letter confirming exactly why you were denied.” Keep that letter. If you dispute it, RoundPoint asks for a copy of your orders at the same email or PO box.

Filing or fixing your SCRA status with RoundPoint

Get the 6% cap applied at RoundPoint

1. Confirm you signed the mortgage note before your active-duty start date. RoundPoint’s first denial reason is a loan that postdates your orders.
2. Check your own record with a DMDC SCRA certificate. RoundPoint’s status data comes from that database, so an error there is an error in your rate.
3. Email a copy of your orders (or a certified letter from your commanding officer, which § 3937(b)(1)(A)(ii) accepts) to SCRA@roundpointmortgage.com. The letter generator drafts the written notice. Put your RoundPoint loan number on every page.
4. Prefer paper? Mail the same packet to RoundPoint Mortgage Servicing LLC, PO Box 19409, Charlotte, NC 28219-9409 with tracking. Do it no later than 180 days after release from service.
5. Call Customer Service at 877-426-8805 (Mon to Fri 8 a.m. to 9 p.m., Sat 10 a.m. to 3 p.m. ET). Confirm receipt and ask for the applied rate, the start date (your first day of duty), and the end date (service plus 12 months) in writing.
6. Read the next statement for the lower rate, the smaller payment, and a credit back to your start date. If anything is missing, follow the refund guide.

Where RoundPoint borrowers lose the cap

The Guard wording is narrower than the law. RoundPoint’s eligibility list says “A member of the U.S. Armed Forces, Army National Guard or reserves.” The statute does not stop at the Army Guard. Under § 3911(2), any Guard member on federal active duty is covered. So is a member called up by the President or the Secretary of Defense under 32 U.S.C. 502(f) for more than 30 consecutive days for a declared national emergency. RoundPoint’s page also says Guard members not under federal orders are “generally not eligible” unless state law adds similar protection. That part is accurate. The Guard and Reserve guide walks through which orders count.

“Spouse or dependent” is broader than the cap. RoundPoint lists “a spouse or dependent of active duty service members with joint account obligations.” The cap in § 3937(a)(1) reaches debt incurred by the servicemember, or by the servicemember and spouse jointly. A loan solely in a non-serving spouse’s or dependent’s name is outside it. See the spouses and families guide.

The Military Indulgence form is not online. For borrowers who are struggling to pay, RoundPoint says to call 877-426-8805 and “We’ll send you the Request for Military Indulgence form.” Its Forms page lists 17 PDF forms and notices, and that form is not one of them (checked November 2, 2026). It is a hardship tool. It sits on top of the rate cap and does not replace it, so file for the cap first.

No timeline is published. RoundPoint states no processing time. Under § 3937(b)(2) the cap applies from the date you were called to duty once it has your notice, so a slow review should end in a back credit, not a shorter benefit.

The ownership change. A banner across RoundPoint’s site says it “was recently acquired by CrossCountry Mortgage, LLC” and that the deal “does not impact your mortgage or the servicing of your loan.” The SCRA cap stays with the loan. Watch your next statement anyway, as the mortgage servicer guide explains. If RoundPoint will not fix a denial you can document, use the escalation playbook. Compare RoundPoint with other servicers on the bank leaderboard.

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 .