Updated Articles

41. Escrow Basics

    Last Updated: 05/18/2026 in Escrow, Tax & Insurance
    What is an escrow account? Think of it like a savings account dedicated to the tax and/or insurance expenses required for your property—and as your loan servicer, we help you manage it. Depending on the terms of your mortgage, your escrow account m...

42. Escrow Waiver

    Last Updated: 05/18/2026 in Escrow, Tax & Insurance
    Can I remove my escrow account?  Options to remove an escrow account from a loan vary based on factors such as state laws, investor guidelines, loan type, property type and Loan-to-Value (LTV) ratio.  If the loan qualifies, tax payments and homeow...

43. Claims

    Last Updated: 05/18/2026 in Escrow, Tax & Insurance
    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...

44. Mortgage Assistance Options

    Last Updated: 05/18/2026 in Financial Hardship
    Need  M ortgage  A ssistance ?   Whether  you ’re  experiencing hardship due to loss of employment, income reduction, illness or other related impacts , here are your options  that may be available to you based on investor guidelin...

45. We're Here to Support You

    Last Updated: 05/18/2026 in Financial Hardship
    We understand  that life circumstances might lead to difficulty making  your mortgage payments.   As your mortgage partner, we are here to help if you are facing  financial hardship .  Whether you  need help  bringing your account  cur...

46. Additional Resources

    Last Updated: 05/18/2026 in Financial Hardship
    COVID-19 Resources   If you have a hardship  related to COVID-19 ,   visit the  CFPB’s mortgage and housing assistance portal .   Homeowner Assistance Fund (HAF) in the  U.S Department of the Treasury   and  Nati...

47. Gracefully Exiting Your Loan

    Last Updated: 05/18/2026 in Financial Hardship
    If you  foresee there  isn’t  a financially  feasible  way  to keep your home, here are more options  for you to  avoid  the foreclosure process.   Traditional Sale:   Work with a real estate agent to  s ell your home ...

48. Looking to Reduce Your Payment?

    Last Updated: 05/18/2026 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 ...

49. Mortgage Recast Overview

    Last Updated: 05/18/2026 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...

50. Recast FAQs

    Last Updated: 05/18/2026 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...

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