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41. Surplus

    Created On: 03/20/2026 in Escrow Statement FAQs
    What is an escrow surplus?  All escrow accounts have a minimum required balance, which equals your expected tax and insurance expenses plus some extra money in case your bills go up – this is called a cushion. If your escrow account balance is mor...

42. Contacts

    Created On: 03/20/2026 in Escrow Statement FAQs
    Who do I contact  with  questions about my escrow expenses? Taxes: Your local tax assessor’s office. Insurance premiums: Your insurance company. Your escrow payments and expenses: Reach out to us. We'll be happy to help! Please see our...

43. Change in Your Mortgage Payment

    Created On: 03/20/2026 in Escrow Statement FAQs
    Why did my payment change? When your taxes and/or insurance bills change from year to year, it may be necessary to adjust the amount you are paying into your escrow account, too.  Reasons your expenses changed may include: Insurance: Changes...

44. Video: Understanding Your Escrow Statement

    Created On: 03/20/2026 in Escrow Statement FAQs
    We review your escrow activity at least annually to help ensure your account has enough funds to cover your property tax and/or insurance expenses, which can change from year to year. After each review, we send an Escrow Account Disclosure ...

45. Terminating Mortgage Insurance

    Created On: 03/20/2026 in Lower My Payment
    Can I cancel my Mortgage Insurance? If Mortgage Insurance was required for your loan at closing, you might be wondering how long you will need to continue paying this extra expense. The short answer: it depends. Options to remove the mortgage ins...

46. Looking to Reduce Your Payment?

    Created On: 03/20/2026 in Lower My Payment
    We love making homeowners happy—and what better way than to help you save money over the life of your loan? If you are looking to reduce the amount of your monthly mortgage payment, options may be available for your mortgage. Browse our FAQs below ...

47. Mortgage Recast Overview

    Created On: 03/20/2026 in Lower My Payment
    If you want to lower your monthly mortgage payment and have the means to make additional payments toward your loan principal, a mortgage recast might be a great option for you. Learn what a recast involves, how it can help you save now and long te...

48. Recast FAQs

    Created On: 03/20/2026 in Lower My Payment
    Will a recast lower my monthly mortgage payment?  If your loan is eligible, recasting your loan may be an option to lower your payment as an alternative to refinancing. A recast typically involves making a one-time payment to reduce your loan p...

49. Claims

    Created On: 03/20/2026 in Disaster Claims & Assistance
    What do I need to do if my home has been damaged? Here’s what you need to do first:   Contact your hazard insurance company to file a claim.   Call us at  833.253.1133 , and w e'll let you know what information is required to d...

50. Disaster Assistance

    Created On: 03/20/2026 in Disaster Claims & Assistance
    I am having trouble making mortgage payments due to a disaster. What can I do?  If a recent disaster has affected your ability to conduct normal financial business, we understand this may result in late or missed mortgage payments. We are here t...

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