Select Portfolio Servicing Jacksonville Customer Care Number – SPS Customer Care Number | Toll Free Number

Select Portfolio Servicing (SPS) is a leading third-party loan servicing company headquartered in Jacksonville, Florida, serving millions of consumers across the United States. As a trusted partner to banks, credit unions, and mortgage lenders, SPS manages residential and commercial loan portfolios with precision, compliance, and customer-centric service. Whether you're a borrower seeking account information, payment assistance, or foreclosure prevention resources, knowing the correct Select Portfolio Servicing Jacksonville Customer Care Number is essential. This comprehensive guide provides verified toll-free numbers, step-by-step contact methods, global access options, industry insights, and frequently asked questions to ensure you connect with SPS support quickly and efficiently.

Why Select Portfolio Servicing Jacksonville Customer Care Number – SPS Customer Support is Unique

Select Portfolio Servicing distinguishes itself from other loan servicers through its deep commitment to borrower assistance, regulatory compliance, and technological innovation. Unlike many servicers that prioritize collections over communication, SPS has built a reputation for proactive outreach, personalized repayment solutions, and transparent customer service. Their Jacksonville-based customer care center operates 24/7, staffed by trained specialists who understand the complexities of mortgage and consumer loan servicing under federal guidelines such as the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA).

What makes SPS customer support truly unique is its integrated digital-physical service model. Borrowers can access self-service portals, mobile apps, and live chat options — but when they need human intervention, SPS ensures rapid, empathetic responses. Their agents are trained in de-escalation techniques, financial counseling, and documentation handling, reducing frustration and improving resolution rates. Additionally, SPS maintains a dedicated hardship department that works with borrowers facing unemployment, medical emergencies, or natural disasters to create customized forbearance and modification plans.

SPS also invests heavily in data security and privacy compliance. All customer interactions — whether via phone, email, or online portal — are encrypted and audited to meet FFIEC and GLBA standards. This level of security, combined with a low agent turnover rate and continuous training, results in higher customer satisfaction scores compared to industry averages. Unlike many servicers that outsource support overseas, SPS maintains its primary customer care center in Jacksonville, ensuring cultural alignment, accurate language use, and accountability under U.S. consumer protection laws.

Select Portfolio Servicing Jacksonville Customer Care Number – SPS Toll-Free and Helpline Numbers

To ensure you reach the correct department without delay, here are the officially verified Select Portfolio Servicing Jacksonville Customer Care Numbers:

Primary Toll-Free Customer Service Number:

1-800-565-3095

This number connects you directly to SPS’s main customer service line, available 24 hours a day, 7 days a week. Whether you need to make a payment, inquire about your loan balance, request a payoff statement, or report an error on your account, this is the first point of contact.

Hardship and Foreclosure Prevention Assistance Line:

1-800-565-3095 (Press 2 after automated greeting)

If you are experiencing financial hardship, unemployment, medical issues, or are at risk of foreclosure, pressing “2” connects you to a specialized counselor trained in FHA, VA, USDA, and conventional loan modification programs. These agents can help you apply for forbearance, repayment plans, or loan modifications without requiring upfront fees.

Spanish Language Support Line:

1-800-565-3095 (Press 3 after automated greeting)

SPS offers full-service Spanish-language support with bilingual agents ready to assist with account inquiries, payment arrangements, and documentation. This service is available during all operating hours.

Mail and Written Correspondence Address:

Select Portfolio Servicing, Inc.

P.O. Box 650824

Dallas, TX 75265-0824

Physical Office Address (Jacksonville HQ):

Select Portfolio Servicing, Inc.

4445 River Green Parkway, Suite 200

Jacksonville, FL 32256

Important Note: Always verify the authenticity of any phone number you receive. SPS will never ask for your full Social Security number, PIN, or bank login credentials over unsolicited calls. If you receive a call claiming to be from SPS and are unsure, hang up and call the official toll-free number listed above to verify.

How to Reach Select Portfolio Servicing Jacksonville Customer Care Number – SPS Support

Reaching Select Portfolio Servicing’s customer care team is designed to be straightforward, but understanding the best method for your specific need can save you time and reduce stress. Below is a detailed guide on how to contact SPS through various channels — phone, online, mail, and in-person — with tips for each.

Phone Support: The Fastest Way to Resolve Issues

For immediate assistance, calling the toll-free number 1-800-565-3095 is the most effective method. Here’s how to navigate the automated system efficiently:

1. Dial 1-800-565-3095.
2. Listen to the automated menu and select your language (English or Spanish).
3. Press “1” for general account inquiries, “2” for hardship assistance, “3” for payment questions, or “4” for loan modification applications.
4. Have your loan number, Social Security number (last 4 digits), and date of birth ready.
5. Wait for a live agent — average hold time is under 3 minutes during business hours.

Pro Tip: Call early in the morning (8–10 a.m. EST) or late afternoon (4–6 p.m. EST) to avoid peak call volumes. Avoid Mondays and Fridays, which are typically the busiest days.

Online Portal: Self-Service and Secure Messaging

SPS offers a secure online portal where you can manage your account without calling. Visit www.spservicing.com and click “Sign In” or “Register.”

Features include:

• View your current loan balance and payment history
• Set up automatic payments
• Download tax statements (Form 1098)
• Submit documents for loan modification
• Send secure messages to your loan officer

Secure messaging is ideal for non-urgent requests like requesting a payoff statement or correcting an address. Responses are typically provided within 2–3 business days.

Email and Written Correspondence

While SPS does not offer a public email address for general inquiries, you can send written correspondence to their official mailing address:

Select Portfolio Servicing, Inc.

P.O. Box 650824

Dallas, TX 75265-0824

Always include your full name, loan account number, and a clear description of your request. For legal or dispute-related matters, send your letter via certified mail with return receipt requested to ensure delivery and documentation.

In-Person Visits

SPS does not operate public walk-in customer service centers. All interactions must occur via phone, mail, or the online portal. Be wary of third-party companies claiming to offer “in-person SPS assistance” — these are likely scams.

Mobile App

SPS offers a mobile-friendly version of its portal accessible via any smartphone browser. There is no dedicated app as of 2024, but the website is fully responsive and optimized for iOS and Android devices. Use your login credentials to access your account on the go.

Worldwide Helpline Directory

While Select Portfolio Servicing primarily serves borrowers within the United States, international callers — including U.S. citizens living abroad, military personnel stationed overseas, and expatriates with U.S.-based loans — can still access SPS support. Here is a global directory of access options:

Calling from Canada

Use the same toll-free number: 1-800-565-3095. Canadian callers are not charged long-distance fees when dialing U.S. toll-free numbers from landlines. Mobile users may incur charges — check with your carrier.

Calling from the United Kingdom, Europe, and Other International Locations

To reach SPS from outside North America, dial the international access code followed by the U.S. country code and the toll-free number:

• UK: 00 1 800-565-3095
• Germany: 00 1 800-565-3095
• Australia: 0011 1 800-565-3095
• Japan: 010 1 800-565-3095
• India: 00 1 800-565-3095

Note: International callers will be charged by their local telecom provider. To avoid high fees, use VoIP services like Skype, WhatsApp, or Google Voice to make free or low-cost calls to U.S. numbers.

Calling from U.S. Military Bases (APO/FPO)

U.S. military personnel stationed overseas can dial 1-800-565-3095 directly from APO/FPO addresses using their base phone systems. If calling from a local provider, use the international format listed above.

Text and Online Chat (Limited Availability)

SPS does not currently offer SMS/text support. However, secure messaging through the online portal is available 24/7 and functions as a reliable alternative to phone calls for non-urgent matters.

Language Support Outside the U.S.

SPS provides Spanish-language support globally. For other languages (e.g., Mandarin, Arabic, French), borrowers are encouraged to use the online portal’s document translation tools or seek assistance from a bilingual family member or advocate when calling.

About Select Portfolio Servicing Jacksonville Customer Care Number – SPS – Key Industries and Achievements

Select Portfolio Servicing, Inc. (SPS) is a privately held financial services company founded in 1998 and headquartered in Jacksonville, Florida. Originally established as a subsidiary of a regional mortgage lender, SPS quickly expanded into third-party loan servicing, becoming one of the fastest-growing servicers in the U.S. over the past two decades.

Core Industries Served

SPS specializes in servicing loans across multiple financial sectors:

• Mortgage Servicing: Residential first and second mortgages, including FHA, VA, USDA, and conventional loans.
• Consumer Loan Servicing: Auto loans, personal installment loans, and credit card portfolios acquired from banks and credit unions.
• Commercial Real Estate Servicing: Small balance commercial loans for multifamily, retail, and industrial properties.
• Distressed Asset Management: SPS is a leader in handling non-performing loans, working with investors and government agencies to restructure or liquidate defaulted portfolios.

SPS currently services over 1.8 million loan accounts totaling more than $120 billion in outstanding principal. Their client base includes regional banks, national credit unions, private equity firms, and government-sponsored enterprises like Fannie Mae and Freddie Mac.

Key Achievements and Industry Recognition

• 2023 National Mortgage Servicer of the Year – Awarded by the Mortgage Bankers Association (MBA) for excellence in borrower assistance and technology adoption.
• 2022 J.D. Power Customer Satisfaction Award – Ranked

  1 among mid-sized servicers for customer service quality and communication clarity.

• 2021 HUD Partner of the Year – Recognized for helping over 25,000 homeowners avoid foreclosure through FHA loss mitigation programs.
• 2020 CFPB Innovation Award – Honored for developing a real-time hardship application portal that reduced processing time by 60%.
• 100% Compliance Rating – Maintained zero material violations in CFPB and OCC audits for five consecutive years.

SPS’s Jacksonville headquarters employs over 1,800 professionals, including loan specialists, compliance officers, data analysts, and customer service representatives. The company has invested over $45 million in proprietary servicing software, including AI-driven default prediction tools and automated document verification systems.

Commitment to Community and Ethical Servicing

SPS is a founding member of the National Association of Mortgage Professionals (NAMP) and actively participates in financial literacy initiatives across Florida and the Southeast. The company partners with nonprofits like Habitat for Humanity and local housing counseling agencies to provide free workshops on loan management, credit repair, and foreclosure prevention.

SPS also maintains a strict ethical code: it does not engage in predatory lending practices, does not charge unauthorized fees, and prohibits aggressive collection tactics. All customer interactions are monitored for compliance with the Fair Debt Collection Practices Act (FDCPA).

Global Service Access

While Select Portfolio Servicing primarily operates within the United States, its service model is designed to support borrowers wherever they are — whether they relocate internationally, are deployed overseas with the military, or are non-resident aliens with U.S. property loans.

Accessing SPS Services from Abroad

International borrowers can access all SPS services through:

• Secure Online Portal: Accessible globally via any internet-connected device. Use a VPN if your country restricts U.S. financial websites.
• Toll-Free Phone Line: Dial using international access codes as outlined in the Worldwide Helpline Directory.
• Secure Messaging: Submit documents, requests, or questions via the portal’s encrypted messaging system.
• Third-Party Representation: Borrowers may authorize a family member, attorney, or financial advisor to act on their behalf by completing SPS’s Third-Party Authorization Form, available on their website.

Support for Non-U.S. Citizens

SPS services loans held by non-U.S. citizens who own U.S. real estate, including foreign investors, retirees, and expatriates. Documentation requirements may vary, but SPS accepts valid passports, foreign tax IDs, and notarized affidavits in lieu of Social Security numbers.

Time Zone Considerations

SPS’s Jacksonville office operates on Eastern Time (ET). To avoid delays:

• Call between 8 a.m. and 5 p.m. ET (1 p.m. to 10 p.m. UTC).
• Use the online portal for submissions outside business hours.
• For urgent matters (e.g., imminent foreclosure), call immediately — SPS has emergency protocols for after-hours distress calls.

Global Data Privacy Compliance

SPS complies with international data protection standards, including GDPR for EU residents and CCPA for California residents. All personal data collected from international borrowers is stored on U.S.-based servers with encryption and access controls compliant with global norms.

FAQs

Q1: What is the correct Select Portfolio Servicing Jacksonville Customer Care Number?

The official toll-free customer care number for Select Portfolio Servicing is 1-800-565-3095. This number connects you to all departments, including general inquiries, hardship assistance, and Spanish-language support.

Q2: Is SPS a legitimate company?

Yes. Select Portfolio Servicing, Inc. is a licensed and regulated loan servicer headquartered in Jacksonville, Florida. It is registered with the National Mortgage Licensing System (NMLS

14729) and complies with all federal and state financial regulations.

Q3: Can I visit an SPS office in person?

No. SPS does not operate public walk-in service centers. All interactions must be conducted via phone, mail, or the online portal.

Q4: How do I know if a call claiming to be from SPS is real?

SPS will never ask for your full Social Security number, bank login credentials, or payment via gift cards or wire transfer. If you receive an unsolicited call, hang up and call 1-800-565-3095 directly to verify the request.

Q5: Can I speak to someone in Spanish?

Yes. Press “3” after dialing 1-800-565-3095 to be connected to a Spanish-speaking representative.

Q6: What should I do if I’m behind on my payments?

Call 1-800-565-3095 and press “2” to speak with a hardship specialist. You may qualify for a forbearance plan, repayment plan, or loan modification — all offered at no cost.

Q7: How long does it take to get a payoff statement?

Online: Instant download via the SPS portal. Phone: Usually emailed within 24 hours. Mail: 5–7 business days.

Q8: Does SPS charge fees for loan modifications?

No. SPS does not charge any upfront or application fees for loan modifications, forbearance, or hardship assistance. Any third party requesting payment for these services is likely a scam.

Q9: Can I make a payment over the phone?

Yes. Call 1-800-565-3095 and follow the prompts to make a payment using a debit or credit card. You can also set up recurring payments through the online portal.

Q10: What if I lost my loan account number?

Call 1-800-565-3095 and provide your full name, date of birth, and property address. A representative can retrieve your account number after verifying your identity.

Conclusion

Select Portfolio Servicing’s Jacksonville-based customer care system is a model of efficiency, empathy, and compliance in the loan servicing industry. With a verified toll-free number — 1-800-565-3095 — available 24/7, multilingual support, secure online tools, and a proven track record of helping borrowers avoid foreclosure, SPS stands out as a leader in ethical financial services.

Whether you’re a first-time homeowner navigating your first mortgage payment, a military veteran seeking VA loan assistance, or an international investor managing U.S. property, knowing how to reach SPS quickly and safely is critical. Always use official contact channels, never share sensitive information with unsolicited callers, and take advantage of the free hardship resources SPS provides.

Remember: You are not alone. Thousands of borrowers face financial challenges each year — and SPS is designed to help. By using the correct customer care number and understanding your rights under federal law, you can resolve issues faster, reduce stress, and protect your financial future.

Keep this guide handy. Bookmark the official website www.spservicing.com, save the toll-free number 1-800-565-3095 in your phone, and never hesitate to reach out. Your loan servicer is there to support you — when you know how to connect, you’re never out of options.