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  1. Online Access

  2. Payments and Payoffs

  3. Escrow, Tax & Insurance

  4. Newly Closed Loans

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  6. Refinance

    What are the reasons to refinance? The most common reason is to get a lower interest rate, resulting in lower monthly payments and possibly a shorter loan term. Other reasons to refinance include switching loan types, eliminating private mortgage...
  7. Tax Deductions

    How can my Form 1098 help with tax deductions? This statement reports the total mortgage interest paid on your loan during the year. Generally, homeowners may be able to deduct mortgage interest from their taxes owed to the IRS. For information...
  8. Year-End Statement Basics

    What year-end statement should I expect from you? Depending on your account activity last year, you may receive the following IRS Form from us: Form 1098: Reports interest we received on a mortgage. Form 1099-C: Reports when a debt is cancel...
  9. What is the recast process?

    If you’re interested in recasting your loan, here’s a rundown of the process and what to expect: Contact Customer Care to initiate the recast request, specifying the amount of your principal reduction payment(s).  We’ll confirm whether your lo...
  10. Terminating Mortgage Insurance

    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 insur...