We love making it easy to manage your mortgage.

An escrow account is setup by us to pay property related expenses. In addition to your monthly principal and interest payment, you'll pay an additional amount that will be placed in your escrow account. When expenses such as property taxes and homeowners insurance are due, we will pull money from your escrow account to pay these expenses on your behalf.

Please contact us at the appropriate Servicing Center identified above for instructions on how to waive escrow.

If you receive a notice that your taxes or insurance payments are due, please refer to the Property Taxes – Escrow section above for instructions.

Please refer to the Homeowner's Insurance section above for instructions.

If you paid more than $600 in mortgage interest in a calendar year, we are required to send you a 1098 Mortgage Interest Statement. Typically, even if you paid less in interest, you'll still receive a form. Prepaid points, homeowners insurance and property taxes (if you have an escrow account) will also be included on the form. We must send the forms by January 31st of the next calendar year.

If you need any assistance with payments or drafting, please contact us at the appropriate Servicing Center identified above for assistance.

Private mortgage insurance is a type of mortgage insurance required for conventional loans if you put down less than 20% of the home's purchase price at closing. It is designed to protect the lender if you stop making payments.

Please see below for options for removing PMI from your loan.

1. Based on the original property value and the loan terms, we'll project the date when your Loan-to-Value (LTV) will reach 78%, and we'll plan to cancel your PMI on that date.
2. Based on the original amortization schedule, we will cancel your PMI when your loan is mid-way through its amortization.
3. You may submit a request for early cancellation of PMI. Your property must have at least 20% equity—or 80% LTV—to be eligible for an early cancellation. Also, other conditions may apply to early cancellation depending on the loan investor. Here are the main conditions that must be met:
   • Your loan must be current - meaning, in the last twelve (12) months, you can't have been more than thirty (30) days late on any payment and in the last twenty-four (24) months, you can't have been more than sixty (60) days late on any payment.
   • If you have not reached an LTV of 80%, we may be able to order an official appraisal of your property to verify if the current value has reached the 20% equity requirement. The appraisal needs to happen within ninety (90) days of your PMI cancellation request, and you will be responsible for the appraisal cost.
   To discuss your specific requirements for requesting PMI cancellation, please contact us at the Servicing Center identified above.

If you have been affected by a recent natural disaster and are in need of assistance, we are here to help. We understand that this may impact your ability to conduct normal financial business, which may result in late or missed mortgage payments. Our team members are trained in disaster response and can offer guidance and information about your loan to assist you in any way they can. If your property has sustained damage, our claims team will guide you through the process and help you move forward with repairs.

What to do if your property has been impacted by a natural disaster:

• Call your Insurance Agent first. Your agent and insurance company will evaluate the damage to your home according to your homeowner's insurance policy.
• To learn more about the claims process, please refer to the Insurance Claims section above.