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Escrow Basics

Last Updated: 12/13/2025 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...
Surplus

Last Updated: 12/13/2025 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: 12/13/2025 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...
Other Correspondence

Last Updated: 12/13/2025 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
Mail a Payment

Last Updated: 12/13/2025 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: 12/13/2025
Homeowner's/Hazard Insurance

Last Updated: 12/13/2025 in Escrow, Tax & Insurance

I have a new homeowners insurance policy. Do I need to send it to you? Yes, you need to inform us of any changes in your insurance policy. You can send your new policy to us online at . It's quick and easy! Alternatively, you can fax the policy...
Lower My Payment

Last Updated: 12/13/2025
Terminating Mortgage Insurance

Last Updated: 12/13/2025 in Lower My Payment

Can I cancel my Mortgage Insurance? If Mortgage Insurance was required for your loan at closing, you might be wondering how long you will need to continue paying this extra expense. The short answer: it depends. Options to remove the mortgage ins...
Property Taxes

Last Updated: 12/13/2025 in Escrow, Tax & Insurance

I just received a property tax bill and have an escrow account. Do I need to send it to you? Yes, if you have an escrow account set up for your property taxes and you have received a tax bill, please email a copy to us so we can ensure timely p...