---
title: Understanding Your Loan Servicer
description: Learn what a loan servicer does, the difference between FCI and Selene, and how Upright Lending continues to support you after your loan funds.
---

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1. [Customer Help Center](https://help.uprightlending.com/borrower-knowledge-base?hsLang=en-us)
2. [Getting Started](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us)
3. [After Your Loan Funds](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#after-your-loan-funds)

# Understanding Your Loan Servicer

## What a servicer does, who yours is, and how Upright Lending continues to support you

### Understanding Your Loan Servicer

*What a servicer does, who yours is, and how Upright Lending continues to support you*

#### What Is a Loan Servicer?

A loan servicer is the company that handles the ongoing administration of your loan after it funds. This includes collecting payments, managing escrow accounts, providing monthly statements, and processing payoff requests.

Having a separate servicer is completely normal in the mortgage industry. Your loan terms and interest rate **do not change** when servicing is assigned. Your Upright Lending branch team remains your relationship contact for questions, support, draw oversight, and future deals.

#### Who Is My Servicer?

Your servicer depends on your loan type. Here is a breakdown:

|  | RTL (Fix-Flip / Bridge / New Construction) | DSCR Rental Loans |
| --- | --- | --- |
| **Servicer** | FCI Lender Services | Selene Finance |
| **Portal** | [myfci.com](https://myfci.com/) | Details in welcome package |
| **Payments** | Interest reserve first, then ACH | Directly through Selene (autopay recommended) |
| **Construction Draws** | Through Sitewire, via their app or Upright Borrower Dashboard link. FCI will reflect updated principal balance as draws are taken | N/A |
| **Payoff Requests** | Through FCI or your branch team | Through Selene or your branch team |

#### What Does Upright Still Do?

Even though your servicer handles payments and statements, Upright Lending is still very much involved. Here is what we continue to manage:

- **Construction draws** (RTL loans) - Submitted and managed through Sitewire, via your Borrower Dashboard, not through FCI
- **Loan term extensions** - Contact your branch team to discuss options
- **Questions and support** - Your branch team is always available
- **Your next deal** - We know your track record and can move quickly when you are ready
- **Dashboard access** - Your Borrower Dashboard at [app.upright lending.com](https://app.upright.us/home) remains your central hub

#### What If I Get a Call or Letter I Don't Recognize?

After funding, it is normal to receive communications from your loan servicer. Here is how to tell if they are legitimate:

- Communications from **FCI Lender Services** or **Selene Finance** are expected and legitimate
- Check that the correspondence references your **Loan ID**
- When in doubt, call your branch team to verify before responding
- **Never share personal or financial information** based on unsolicited requests without verifying the source first

- [Getting Started](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#main-content)

    - [Your Account](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#your-account)
    - [Applying For A Loan](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#applying-for-a-loan)
    - [Closing Your Loan](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#closing-your-loan)
    - [After Your Loan Funds](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#after-your-loan-funds)
- [Payments & Servicing](https://help.uprightlending.com/borrower-knowledge-base/payments-servicing?hsLang=en-us)
- [Rehab & Construction Draws](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#main-content)

    - [Draws Overview](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#draws-overview)
    - [Using Sitewire](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#using-sitewire)
- [Exiting Your Loan](https://help.uprightlending.com/borrower-knowledge-base/exiting-your-loan?hsLang=en-us)

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