Radius Global Solutions is a loan servicer, not a lender or payment processor you choose

Radius Global Solutions is a company that manages mortgage loans on behalf of the banks and investors who own them. If you receive a notice that your loan has been transferred to Radius, it means the company now handles your monthly payments, escrow account, tax and insurance records, and customer service — not that you have switched lenders or that anything is wrong with your loan.

Loan servicing transfers happen regularly in the mortgage industry. Your original lender may sell the right to service your loan to another company to free up capital or reduce costs. You do not choose this transfer, and you cannot prevent it. The terms of your mortgage — interest rate, loan amount, payoff date — stay exactly the same.

Radius Global Solutions operates as a mortgage servicer for loans across the United States. Like other servicers, they collect your payment, hold it in escrow if you have an impound account for taxes and insurance, and pass the principal and interest to the loan owner. They also handle loan modifications, forbearance requests, and customer inquiries.

Key Takeaways

  • Radius Global Solutions services your loan but does not own it; the actual lender or investor remains the loan owner and sets the terms.
  • A transfer to Radius does not change your interest rate, monthly payment amount, or loan balance — only who collects the payment and handles paperwork.
  • You should receive written notice of the transfer at least 15 days before Radius begins servicing, including their contact information and payment address.
  • Payments sent to your old servicer after the transfer date may be delayed or rejected, so update your payment method to Radius's address or online portal as soon as you receive notice.

How to make a payment to Radius Global Solutions

Once Radius takes over servicing your loan, you will receive a welcome letter with payment instructions. The letter will include a mailing address for checks, information about their online payment portal, and phone numbers for customer service. Do not continue sending payments to your previous servicer after the transfer date — those payments may be misapplied or returned.

Most servicers, including Radius, offer multiple payment methods: mailing a check, paying online through their website or mobile app, setting up automatic bank transfers, or paying by phone. Online and automatic payments are faster and create a record you can access immediately. If you mail a check, allow at least 10 business days for it to arrive and post to your account.

If you have an escrow account — meaning Radius collects money each month for property taxes and homeowners insurance — your payment will include both principal and interest plus the escrow portion. Radius will pay your taxes and insurance directly from that account when they are due, so you do not send those bills separately.

What to do if you receive a loan transfer notice

When you receive notice that Radius Global Solutions will be servicing your loan, read it carefully and note the effective date. The notice must include Radius's mailing address, phone number, website, and the date your old servicer stops accepting payments. Federal law requires servicers to give you at least 15 days' notice before the transfer takes effect.

Do not assume your payment address stays the same. Update any automatic payments, bill-pay arrangements, or payment reminders you have set up. If you use your bank's bill-pay service to send checks, create a new payee with Radius's address. If you pay online, register for an account on Radius's website or app before the transfer date so you are ready on day one.

If you have questions about the transfer or your loan terms, contact Radius during the notice period. They can confirm your account details, explain any changes to your payment process, and answer questions about escrow or loan modifications. Calling before the transfer date is often faster than waiting until after.

Escrow accounts and property tax or insurance payments

If your mortgage includes an escrow account, Radius will manage it after the transfer. Each month, a portion of your payment goes into escrow to cover property taxes and homeowners insurance. Radius calculates the escrow amount based on your local tax rates and insurance premiums, and they pay those bills on your behalf when they are due.

Escrow accounts are reviewed annually, usually around the anniversary of your loan closing. If taxes or insurance have increased, your monthly payment may go up. If they have decreased or Radius overfunded the account, your payment may go down or you may receive a refund. Radius will send you an escrow analysis statement explaining any changes.

If you disagree with the escrow calculation or believe an error was made, contact Radius in writing. Keep copies of your property tax bills and insurance declarations to compare against what Radius shows. Servicers are required to investigate disputes and respond within a set timeframe.

What happens if you miss a payment or fall behind

If you miss a payment to Radius, contact them immediately. Most servicers allow a grace period of 10 to 15 days before charging a late fee, but the exact terms are in your loan documents. Radius will report the missed payment to credit bureaus if it is more than 30 days late, which can damage your credit score.

If you are struggling to make payments, Radius may be able to help. Servicers are required to offer forbearance — a temporary pause or reduction in payments — if you are experiencing financial hardship. You can also ask about loan modification, which changes the terms of your loan to lower the payment permanently. These options require you to contact Radius and provide documentation of your hardship.

Do not ignore missed payments or assume the problem will go away. Servicers must follow specific rules before starting foreclosure, but the process can begin if you fall behind by several months. Reaching out early gives you more options and more time to find a solution.

Disputing errors or problems with your Radius account

If you believe Radius has made an error — a payment posted to the wrong month, an escrow charge that is incorrect, or a fee you do not owe — you have the right to dispute it. Send a written dispute to Radius's address (included in your loan documents or on their website) within 60 days of discovering the error. Include your loan number, a description of the error, and copies of any supporting documents.

Servicers are required to acknowledge your dispute within 30 days and investigate within 60 days. During the investigation period, Radius cannot charge you a late fee for the disputed amount, though you should continue making regular payments on the rest of your loan. Radius must respond in writing with their findings and explain any corrections they made.

If you are not satisfied with Radius's response, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state's attorney general. These agencies track complaints and can pressure servicers to correct widespread problems.

Frequently Asked Questions

Does my interest rate or loan balance change when Radius takes over?

No. The loan terms — interest rate, balance, payoff date — are set by your original lender and do not change when servicing transfers. Only the company collecting your payment and handling paperwork changes. Your monthly payment amount stays the same unless your escrow account is adjusted or you have a loan modification.

Can I refinance my loan if Radius is the servicer?

Yes. Refinancing is a separate process from servicing. You can refinance with any lender, not just Radius. The new lender will pay off your current loan and become the new owner and servicer. Radius's role ends once the refinance closes.

What if I want to pay off my loan early?

Contact Radius and ask for a payoff quote. They will tell you the exact amount needed to close the loan as of a specific date, including any accrued interest. Some loans have prepayment penalties, though federal law prohibits them on most mortgages. Radius can confirm whether yours does.

How do I know if Radius is legitimate?

Legitimate loan transfer notices come by mail and include specific details: your loan number, the effective date, Radius's contact information, and a statement of your rights. Verify the mailing address and phone number by searching Radius Global Solutions online or calling your original lender to confirm the transfer. Do not respond to unsolicited emails or calls claiming to be from Radius.

What if I have a problem Radius won't fix?

Document the problem in writing, send it to Radius by certified mail, and keep copies. If Radius does not respond or resolve the issue, file a complaint with the CFPB at consumerfinance.gov or contact your state's attorney general. You can also consult a housing counselor through HUD for guidance on your options.