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51. Recast FAQs

    Last Updated: 07/31/2026 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...

52. Accessing Statements Online

    Last Updated: 05/13/2026 in Go Paperless *NEW Options!*
    Here's how to find statements and other select communications on our website: Log in Go to Documents Click or tap the type of document you're looking for (e.g., Taxes or Escrow) to see the statements available Click or tap the link to the s...

53. Tax Contacts

    Last Updated: 05/13/2026 in Contact Us
    Property Taxes – Escrow If you have an escrow account set up to pay your property taxes and receive a bill from your taxing authority, please send a tax copy at your earliest convenience: Property Taxes – Non-Escrow If you do not have an es...

54. Video: Understanding Your Escrow Statement

    Last Updated: 07/31/2026 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: 07/31/2026 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: 07/31/2026 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: 07/31/2026 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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