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If my escrow account has a shortage, can I deposit funds to my escrow account?

You may make an escrow deposit of any amount by mail. If your account is current, you can also make an escrow deposit through our pay by phone service or on our website. Fees may apply when making an escrow deposit by phone.   To pay online, log on to your account and click the Payment button at the top of the screen. If you are sending an escrow deposit by mail, make sure to write the account number on the check and write “Escrow Application" on the memo line. Send the...

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If my escrow account has an overage when will I receive the overage check?

If the account is current and not in bankruptcy at the time of the analysis and the surplus is less than $49.00, we use the surplus to lower the monthly escrow payment. If the surplus is $49.00 or more, we refund the surplus. We will send a check within 30 days of completing the escrow analysis. If the account is in bankruptcy or is not current at the time of the analysis, the surplus stays in the escrow account until the next escrow analysis. Learn more in our Escrow Education Center.

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I recently paid off my account. When will I receive a refund for my escrow balance?

After we make any required escrow disbursements, we will refund the remaining escrow balance. We will send the refund check to the mailing address on file. Please allow 20 business days to receive the refund check. Learn more in our Escrow Education Center.

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How can I cancel or remove the escrow account used for payment of property taxes/insurance for my mo

To request removal of the escrow account, complete this form and return it to us by email or mail. Once we receive your request, we will review and notify you in writing if the account meets the eligibility criteria to have the escrow account removed. Please continue to make the escrow payment until you receive confirmation of the escrow account removal.  Learn more in our Escrow Education Center.

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How can I setup an Escrow Account?

You can request to set up an escrow account to pay both taxes and insurance, or only taxes or only insurance.    To request an escrow account, email us at CustomerCare@MortgageFamily.com with a copy of your current annual insurance premium notice and/or tax statements. Please specify in your email if you would like to set up escrow for only taxes, insurance, or both. This will help us review your request appropriately.  Next Steps:   When we receive your request, we...

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How can I contact PHH Mortgage's Insurance Department?

For any questions about your insurance policy information, please contact our Insurance Department at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm ET and Saturday from 8:00 am to 5:00 pm ET.

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Who do I contact for questions about my insurance policy?

If you have any questions about your insurance policy, please contact our Insurance Department directly at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm and Saturday from 8:00 am to 5:00 pm ET.

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How do I provide my insurance policy information?

You can upload the insurance policy information to our MyCoverage website here or email it to MortgageFamily@MyCoverageInfo.com. You can also fax the information to 1-937-525-4210.

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I recently got a letter stating that I need flood insurance. Why did I get this letter?

The Federal Emergency Management Agency (FEMA) publishes a Flood Insurance Rate Map. A change in the flood zone determination for your community indicated that the property lies on a flood plain.

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Do I have to be escrowed for flood insurance?

Flood insurance requirements are established by the Federal Deposit Insurance Corporation (FDIC).  For specific information about your flood insurance coverage, please contact our Insurance Department directly at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm and Saturday from 8:00 am to 5:00 pm ET.

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