For banks & mortgage servicers
Default notices, reinstatement and payoff demands, and FDCPA validation letters for banks and mortgage servicers — every figure independently re-audited before the letter is returned.
Borrower names and loan numbers are tokenized before any AI processing. If sensitive data cannot be protected, generation stops rather than proceeding.
The sample is a real reinstatement demand with the arrears and per-diem independently re-audited — no signup required.
The same engine, as a REST API
curl -X POST https://www.demandai.pro/api/v1/mortgage-demand \
-H "Authorization: Bearer dl_your_api_key" \
-H "Content-Type: application/json" \
-d '{
"letterType": "reinstatement-demand",
"servicer": "Great Falls Community Bank",
"borrowerName": "...",
"loanNumber": "...",
"documentsText": "<payment history text>"
}'Scoped keys · per-key rate limits · machine-readable spec at /api/v1/openapi.json
Figures from the reinstatement demand below
letterType: reinstatement-demand · auditCompleted: true · figuresVerified: true
The itemization, subtotal and per-diem below are the engine's own arithmetic, independently recomputed before the draft was returned.
[Servicer to confirm] — Servicer [Servicer to confirm mailing address] [Servicer to confirm phone] Date: [Servicer to confirm date] Marcus Elwood Reyes 100 Sample Lane, Sterling, VA 20164 RE: Reinstatement Quote / Demand Loan Number: 4471029386 Property Address: 100 Sample Lane, Sterling, VA 20164 Creditor / Owner of Loan: [Servicer to confirm] Dear Marcus Elwood Reyes: This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. You, or someone on your behalf, requested the amount required to reinstate the above-referenced mortgage loan. The loan is currently in default, and [Servicer/Counsel to confirm whether the loan has been accelerated and the applicable foreclosure status]. This letter provides the itemized amount required to bring the loan current (reinstate) and stop any pending foreclosure action, subject to the good-through date stated below. TOTAL AMOUNT REQUIRED TO REINSTATE: $[see total below] — good through [Servicer to confirm good-through/expiration date] ITEMIZATION OF REINSTATEMENT AMOUNT The account reflects that payments were received through 02/01/2026, and that the payments due 03/01/2026, 04/01/2026, 05/01/2026, and 06/01/2026 were not received. 1. Past-due principal and interest (P&I) 4 payments × $1,772.14 = $7,088.56 2. Past-due escrow (taxes/hazard insurance) 4 payments × $412.60 = $1,650.40 3. Late charges 4 charges × $87.20 = $348.80 4. Property inspection fees 2 fees × $20.00 = $40.00 5. Foreclosure attorney fees and costs to date $[Servicer/Counsel to confirm amount] 6. Recording fee to rescind the foreclosure $[Servicer/Counsel to confirm amount] 7. Less suspense/unapplied balance ($0.00) Subtotal of itemized amounts supplied to date: $7,088.56 + $1,650.40 + $348.80 + $40.00 − $0.00 = $9,127.76 TOTAL REINSTATEMENT AMOUNT = $9,127.76 plus the amounts shown in lines 5 and 6 above = $[Servicer to confirm total once attorney fees/costs and recording fee are added], good through [Servicer to confirm good-through/expiration date]. PER-DIEM Interest continues to accrue on the unpaid principal balance of $271,438.22 (as of 06/15/2026) at a per-diem rate of $47.42. Because interest and other charges (including additional fees, costs, or advances) may continue to accrue, the amount required to reinstate may change after the good-through date. If you intend to pay after [Servicer to confirm good-through/expiration date], please contact us for an updated reinstatement quote. WHAT REINSTATEMENT DOES Payment of the full reinstatement amount in good funds, received on or before the good-through date, will cure the default, reinstate (de-accelerate) the loan, and stop the foreclosure referenced above. You may have a right under your state's law and your loan documents to cure the default by paying the past-due amount [Servicer/Counsel to confirm reinstatement/cure/redemption period under [STATE] law and the loan documents]. A partial payment will not reinstate the loan and may be applied to the outstanding balance without waiving any rights. PAYMENT INSTRUCTIONS Reinstatement funds must be paid in certified funds (cashier's check, certified check, or wire) [Servicer/Counsel to confirm required form of payment]. Make payment payable to: [Servicer/Counsel to confirm payee — servicer or foreclosure trustee/counsel]. Remit to: [Servicer/Counsel to confirm remittance address / wire instructions]. Please reference Loan Number 4471029386 on your payment. LOSS-MITIGATION / ASSISTANCE OPTIONS Loss-mitigation or workout options may be available to you as an alternative or in addition to reinstatement. To discuss your options, please contact your single point of contact at [Servicer to confirm contact name/number]. If you would like assistance from a HUD-approved housing counselor, [Servicer to insert current HUD counselor referral language/number]. Your current delinquency status is [Servicer to confirm delinquency status]. [Servicer/Counsel to confirm 120-day delinquency threshold and loss-mitigation status before any foreclosure referral.] YOUR DEBT-VALIDATION RIGHTS Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will assume this debt is valid. If you notify us in writing within 30 days that you dispute the debt or any portion of it, we will obtain verification of the debt and mail it to you. If you request in writing within 30 days, we will provide the name and address of the original creditor if different from the current creditor. The creditor to whom the debt is owed is [Servicer to confirm]. An itemization of the amount of the debt is set forth above. If you have any questions regarding this reinstatement quote, please contact us at [Servicer to confirm phone] or [Servicer to confirm contact name/number]. Sincerely, [Servicer to confirm signatory name/title] [Servicer to confirm] DRAFT — FOR COMPLIANCE AND LEGAL REVIEW ONLY. This document was machine-generated and is not legal advice. All amounts, dates, deadlines, statutory references, foreclosure-process determinations, and FDCPA/RESPA disclosures must be verified and approved by the servicer and its counsel before this letter is finalized, dated, or sent. Bracketed placeholders must be completed or removed by a qualified reviewer.
Bracketed spans are what the platform refuses to invent.
Purpose-built for servicing correspondence, not adapted from a generic template tool.
Payment history, loan documents, and correspondence go in as PDFs or text.
Borrower identity and loan identifiers are replaced with tokens, verified clean.
The letter is drafted, then an independent second pass recomputes the figures and corrects any discrepancy.
You get a formatted letter with the figures panel — edit, then export to PDF, Word or text for your own review and mailing process.
The same engine is available as a REST API, so notices can be generated directly from your servicing platform. API-key authentication with per-key scopes and rate limits, a published OpenAPI specification, and the same audit pass and tokenization pipeline as the web app.
Pilot pricing is arranged directly with each bank or servicer.
The fastest evaluation is a real one: bring a payment history and a loan you would normally paper by hand, and watch the figures get audited.