Popular Articles

  1. Shortage

    Last Updated: 09/24/2024 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...

  2. Insurance Department

    Last Updated: 09/12/2024 in Contact Us
    Homeowner’s (Hazard) Insurance If you pay your homeowner's insurance premiums through your regular monthly mortgage payment (also called an escrow account) and you receive a bill from your insurance provider or have a new insurance policy, ple...

  3. Paperless Statements

    Last Updated: 02/18/2025 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 ...

  4. Recast FAQs

    Last Updated: 02/18/2025 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...

  5. Surplus

    Last Updated: 09/24/2024 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...

  6. Change in Your Mortgage Payment

    Last Updated: 09/24/2024 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...

  7. Other Correspondence

    Last Updated: 09/12/2024 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

  8. Escrow Basics

    Last Updated: 09/24/2024 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...

  9. Keeping Track of Your Escrow Activity

    Last Updated: 09/24/2024 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 ...

  10. Video: Understanding Your Escrow Statement

    Last Updated: 11/07/2024 in Escrow Statement FAQs
    Questions About Your Escrow Statement? If you have questions about an Escrow Account Disclosure Statement you have received from us, click  here  for a variety of resources designed to help you understand the statement, changes in your escrow...