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41. Paperless Statements

    Last Updated: 08/14/2025 in Payments and Payoffs
    Can I opt out of receiving copies of statements in the mail? Yes! Go paperless by opting in for electronic account and/or year-end statements. Once you are enrolled, we’ll send you an email each time a statement is ready to view online. You will ...

42. Escrow Basics

    Last Updated: 08/14/2025 in Escrow Statement FAQs
    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...

43. Property Taxes

    Last Updated: 01/07/2025 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 escr...

44. Other Correspondence

    Last Updated: 01/22/2025 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

45. Video: Understanding Your Escrow Statement

    Last Updated: 08/14/2025 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 ...

46. Shortage

    Last Updated: 08/14/2025 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 e...

47. Contacts

    Last Updated: 08/14/2025 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...

48. Surplus

    Last Updated: 08/14/2025 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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