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51. E-Delivery Options

    Last Updated: 09/14/2026 in Go Paperless *NEW Options!*
    Electronic delivery is available for the following communications:  Monthly mortgage/account statements Provide information about payments due, account summary, and recent transactions.  Year-end statements Depending on your loan/accoun...

52. Recast FAQs

    Last Updated: 09/14/2026 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...

53. Change in Your Mortgage Payment

    Last Updated: 09/14/2026 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...

54. Video: Understanding Your Escrow Statement

    Last Updated: 09/14/2026 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 ...

55. Shortage

    Last Updated: 05/13/2026 in Escrow Statement FAQs
    What is an escrow shortage? 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...

56. Other Correspondence

    Last Updated: 09/14/2026 in Contact Us
    Other Correspondence PO Box 4638 Englewood, CO 80155 Designated Address for Notices of Error & Information Requests PO Box 3398 Englewood, CO 80155

57. Contacts

    Last Updated: 09/14/2026 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...

58. Surplus

    Last Updated: 09/14/2026 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...

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