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Surplus

Last Updated: 04/26/2025 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...
Shortage

Last Updated: 04/26/2025 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...
Change in Your Mortgage Payment

Last Updated: 04/26/2025 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...
Escrow Basics

Last Updated: 04/26/2025 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...
Contacts

Last Updated: 04/26/2025 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...
Keeping Track of Your Escrow Activity

Last Updated: 04/26/2025 in Escrow Statement FAQs

How can I see my escrow account activity? As your mortgage partner, we strive to make it easy to view and understand your escrow activity. We provide 24/7 access to track your escrow balance, deposits, and disbursements online, plus other easy ...
Mail a Payment

Last Updated: 04/26/2025 in Contact Us

Questions about how and where to make payments? Check out Ways to Pay for a variety of options online, by phone, and by mail. Mail a Payment: PO Box 660217 Dallas, TX 75266-0217 Overnight & Payoff Funds: 10800 E Geddes Ave, Suite 100 En...
Financial Hardship

Last Updated: 04/26/2025
Getting Started

Last Updated: 04/26/2025 in Online Access

What should I do the first time I log into my account? Once you’re logged into your account, you can: See an overview of your loan , including balance, interest information, payoff date, escrow details, payment history, and more. Go to My L...
Video: Understanding Your Escrow Statement

Last Updated: 04/26/2025 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 ...