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A Home Equity Line of Credit (HELOC) is a type of second mortgage that provides access to the equity in a home on an as-needed basis, often with a variable interest rate. The home is used as collateral against the line of credit. Similar to a...
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Last Updated: 08/02/2023
in Homebuyers How do I know which loan program to choose? Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like yo...
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Electronic delivery is available for the following communications: Monthly mortgage/account statements Provide information about payments due, account summary, and recent transactions. Year-end statements Depending on your loan/accoun...
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Last Updated: 08/02/2023
in Homebuyers How does buying a home compare to renting? Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space. Should I p...
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Last Updated: 09/20/2023
in Homeowners Lower My Payment We love making homeowners happy—and what better way than to help you save money over the life of your loan? If you are looking to reduce the amount of your monthly mortgage payment, options may be available for your mortgage. Browse our FAQs below ...
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Last Updated: 06/24/2024
in Home Equity Loan Will I qualify for a Home Equity Loan? Typically, lenders will consider factors such as your credit score, debt-to-income ratio, amount of equity in the property, and loan-to-value ratio when determining eligibility and terms. Generally, the bett...
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Last Updated: 01/08/2026
in Homeowners Online Access How can I access my mortgage online? Registering online is quick and easy. Here's how: Click LOGIN OR REGISTER above or in the sidebar. Click Register Your Account . Enter your last name, SSN or EIN/TIN, date of birth, and email address (al...
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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...
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I am having trouble making mortgage payments due to a disaster. What can I do? If a recent disaster has affected your ability to conduct normal financial business, we understand this may result in late or missed mortgage payments. We are here t...
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Last Updated: 05/30/2024
in Homeowners 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...