How do I request a Payoff?
To request a payoff we must have the request in writing and signed by one of the signing borrowers. Please email your request to us at email@example.com (or by fax to (954)380-8650) and include the following information:
How do I obtain additional information such as duplicate documents and histories on my loan?
To request any other information on your loan such as a duplicate tax document, statement, loan history or copy of mortgage and note documents, a written request signed by the signer(s) on the loan note must be faxed to (954)380-8650 or emailed to firstname.lastname@example.org. There is a fee for these services. Please refer to the Current Fees section for more details about the fees for each item.
If my loan has been paid off or transfered to a new servicer, how do I get copies of previous years tax documents or Loan Histories?
If you no longer have a loan being serviced by us, you can still obtain this information by sending your request in writing to us. Your letter must include borrower’s name, Loan Number, document needed, years covered in document, property address and borrower’s signature. In addition, a check payable to us must be included for each of the documents requested.. Document Fees can be found on the Current Fees page.
How will I receive my escrow account refund after my loan is paid off?
A Refund check of any escrow balance and payoff overages will be issued and sent within 21 days of a loan being paid in full.
The refund will be sent to the mailing address in our system. If you will no longer be residing at that address and wish for the check to be sent to a different address, you must include the new address in writing no later than the time of payoff. This letter MUST be signed by any and all parties listed on the loan or note and can be included with the payoff funds. If payoff funds are being wired, the request can be emailed to email@example.com or faxed to (954)380-8650.
How do I order a Verification of Mortgage on my loan?
To request a Verification of Mortgage or Letter of Credit we must have the request in writing and signed by one of the signing borrowers. Please email your request to firstname.lastname@example.org or fax your request to us at (954) 380-8650. Be sure to include the Borrower’s Name and the Account/Loan Number.
What forms of payments do you accept?
We accept checks, money orders, cashier’s checks, Check By Phone, Online Check By Web, wires and ACH (automatic reoccurring monthly debit)
Do I have a "Grace Period" before my payment is late?
Your payment is due on the date listed on your loan note as well as on your statement or coupons. If your loan has a grace period, it will be specified in your loan note. Grace periods can range from 5 to 15 days and are based on calendar days.
Can I make my payment in person?
Absolutely. You can make your payments in person at our Broward County, Florida location. The address for this location is:
2 South University Drive
Fort Lauderdale, Florida 33324
Free Visitors Parking is available in the rear of the building.
Our walk-in business hours are from 9:00 AM to 4:30 PM, Monday through Friday except all National Holidays.
Below are the categories containing the most common questions asked. If you don't see the question or answer you are looking for, feel free to contact us and we'll be happy to answer it for you.
Taxes, Insurance and Escrow
What does my monthly escrow include?
Your monthly escrow payment may includes both taxes and insurance or only one of each. You can refer to your HUD closing documents or last year’s Escrow Analysis to determine which items are being escrowed. If you are not sure, feel free to contact us and we will be happy to help you.
If my insurance is escrowed then why am I receiving expiration notices from you?
We apologize for any confusion these letters may cause. The letters and their wording are required by law to be sent to you 30 and 15 days prior to expiration and on the date of expiration, if not already renewed. Because you are the policyholder, there are times that your insurance agent may not send us the invoice for the renewal or proof of insurance. If you receive this letter it is our way of asking you for your assistance in getting a copy of the renewal invoice. You or your agent can fax the invoice to us at (954)380-8650.
When is my Annual Escrow Analysis performed?
Annual escrow analysis is done the first week of January every year. You should receive your escrow analysis with your 1098 Tax Form by the second week of January. Any increases or decreases in monthly escrow will take effect with your February payment.
If my escrow analysis resulted in a surplus, when will that amount be refunded to me?
In most cases any surplus refund will be included with your escrow analysis and 1098. If your analysis shows a surplus but no refund was included with your analysis, please feel free to contact us to determine cause.
How is my monthly escrow amount determined?
The equation used to determine monthly escrow is based on a standardized method used by all bank and private servicers. It is based on determining the amount needed each month to insure that at its lowest balance, your escrow account never goes below a two-month cushion.
What is an escrow "overage" or "deficiency"?
To insure that your escrow balance does not drop below a two-month cushion at its lowest point, your escrow balance must begin the year with a specific balance. If your balance is above this specific amount then you have a surplus. Any surplus over $50.00 will be refunded to you with your annual escrow analysis. If your balance is below that specific amount, then you have a deficiency. If your deficiency is less than one month’s escrow payment then it will be due with your next monthly P&I and T&I payment. If the amount is greater than one month’s escrow, then it will be broken out over the next 12 monthly P&I and T&I payments.
If the County over-charges me on my taxes and issues a large refund can I request my escrow analysis be re-run?
Absolutely. If you are issued a substantial refund due to overpayment of taxes, please submit a request to us in writing and we can re-run your escrow analysis. Send requests to email@example.com or fax them to (954) 380‑8650.
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