Escrow Analysis Guide

Learn how to navigate your escrow analysis.

Valon Mortgage

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Cenlar

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Abstract of Title

A summary of the property's title history. Based on information found in public records, it is used to list the property's transfers of ownership, and to determine if there are any liens or defects that must be cleared before the sale.

Balloon Mortgage

A short-term loan that is paid off through fixed monthly payments, followed by one large, final payment (the 'balloon') of the entire remaining loan balance. The balloon mortgage is amortized as though it were a long-term fixed rate loan, resulting in low monthly payments, but after a specified time period (usually five, seven or 10 years) the entire remaining balance is due and payable in full.

First Protector Insurance

First Protector Insurance Help alleviate financial hardship. Protection for what matters most! At PHH Mortgage, we understand how important it is for homeowners to prepare for the unexpected. That’s why we have partnered with Assurant® to make available to you a disaster mortgage insurance product called First Protector®. First Protector helps alleviate financial hardship if you are displaced from your home due to damage from a covered disaster such as flood, fire, tornado,...

Flood Insurance

Flood InsuranceFlood experts. Affordable policies. Did you know that every home is at risk for a flood? That’s why we partnered with Wright National Flood Insurance Company, the nation’s leading flood provider, to bring valued PHH Mortgage customers affordable flood insurance options that meet government and lenders’ requirements.Benefits include:Coverage and exclusions similar to a National Flood Insurance Program (NFIP) policy, but with the ability to cover higher property...

Home and Auto

Home and AutoReal Benefits for Real LifeTM Work and family make for a busy schedule—and you can’t slow down when problems happen. FIMC’s Home & Auto plan can save PHH Mortgage customers time and money when life’s little hiccups happen.1Why Home & Auto?From big things like emergency medical bills and unexpected auto repairs to not-so-big things like lost car keys, our plan fills the gaps left by traditional auto & homeowner's insurance plans with benefits...