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How can I make my monthly mortgage payment?

Autopay is the easiest way to pay. Just set it, forget it, and you could save money. We have several Autopay options. Click here to learn more about each one and how to enroll. For other ways to pay your mortgage, click here. 

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Can I overnight my payment?

Yes, you can overnight a payment to: Payment Processing 3000 Kellway Dr. Suite 120 Carrolton, TX 75006

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Do you offer a one-time online or phone payment?

Yes. You can make a payment 24 hours a day, 7 days a week online or using our automated phone system at 1-800-449-8767. There may be a fee to process a payment. There is no fee to pay online if you're signed up for paperless statements. All payments processed by 11:59 pm ET on a business day will reflect on the account on the date the payment was made. Payments processed on non-business days will reflect on the next business day. 

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Can I mail in my payment?

You can mail a mortgage or HELOC payment to the assigned processing center listed below: Payment Processing PO Box 660093 Dallas, TX 5266-0093  

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How can I access the available funds from my HELOC account?

You can initiate an electronic transfer via ACH to send funds from your HELOC account to your designated disbursement account.To setup a designated disbursement account, follow the steps below. The account established will be the designated account on file for all disbursements.Complete the HELOC Disbursement Account FormProvide a copy of a voided check from the bank account you are designating as your disbursement account.   Allow 2 business days for the request to be...

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How can I change the designated disbursement account I have on file for my HELOC account?

All change requests must be submitted in writing. Follow the steps below to submit a change to the designated disbursement account:Complete the HELOC Disbursement Account FormProvide a copy of a voided check from the new bank account you are designating as your disbursement account.   Allow 2 business days for the request to be processed. A valid email address must be on file to receive immediate notification of requests and changes. Once the request is processed a confirmation...

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What is an Adjustable-Rate Mortgage (ARM) loan?

An Adjustable-Rate Mortgage (ARM) is a loan with a fixed interest rate for an introductory period and then changes at regular intervals according to the index listed in the Note. ARMs are also known as a Variable-Rate Mortgage.

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What happens after the introductory period on an Adjustable-Rate Mortgage (ARM) loan?

After the introductory period, the new interest rate is calculated based on the terms outlined in the Note. 

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What is a Recast or re-amortization?

A recast occurs when a large lump sum payment is made towards the principal balance and a request is made to recalculate the monthly payment based on the new lower balance. The interest rate and loan term remain unchanged.  Recasts are subject to eligibility and a fee may apply. 

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What is a buydown mortgage?

A buydown mortgage is a way to lower the mortgage interest rate for a set period of time. This can be done by paying an upfront fee, known as discount points, or by having the seller or lender pay for a temporary buydown.

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