Updated Articles

21. Change in Your Mortgage Payment

    Last Updated: 02/03/2026 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...

22. Contacts

    Last Updated: 02/03/2026 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...

23. Escrow Basics

    Last Updated: 02/03/2026 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...

24. Surplus

    Last Updated: 02/03/2026 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...

25. Shortage

    Last Updated: 02/03/2026 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...

26. Other Correspondence

    Last Updated: 02/03/2026 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

27. Mail a Payment

    Last Updated: 02/03/2026 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...

28. Financial Hardship

    Last Updated: 02/03/2026

29. Homeowner's/Hazard Insurance

    Last Updated: 02/03/2026 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...

30. Lower My Payment

    Last Updated: 02/03/2026

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