You have a home.
Keep building your future.

Compare the old and new statements line by line. Have your latest escrow analysis nearby, and ask your servicer which charge changed and when it takes effect.

Use the payment instructions on your current mortgage statement or your verified servicer portal. Ask the servicer to confirm the draft date, account and amount. This website cannot take a mortgage payment.

Before sending extra money, ask your servicer how to label and apply it to principal. Then review the next statement to see how it was applied. Bring questions about your broader payoff plan to Eric.

Keep both transfer notices. Confirm your new servicer, payment instructions and autopay arrangements through a trusted contact. Do not assume an existing bank draft moved with your loan.

Contact the servicer using the number on your statement and ask about assistance for your situation. Tell them about deadlines or notices you received. A new loan is not the only possible next step.

Ask your servicer which bills are paid through escrow and which you pay directly. Match those answers with the payment history on your escrow analysis.

Ask your servicer to separate the amount needed for a past shortage from the amount being collected for future bills. Use the options and timing on your own analysis.

Ask for the available repayment options first. Compare their effect on your monthly payment and the cash you want to keep available. Do not assume a lump sum will return the payment to its old amount.

Your local taxing or assessment office can explain the bill, assessments, exemptions and deadlines. Your servicer can confirm what it collected or paid from escrow. Check the rules for your property’s location.

Look for tax documents in your servicer’s secure portal or ask the servicer which documents are available for your loan. A tax professional can explain how they apply to your return.

Bring the old and new declarations pages to your insurance professional. Ask what changed in the premium, deductible and coverage. Ask your servicer how a premium change affects escrow.

Ask the insurance professional about coverage dates and any gap in protection. Ask your servicer where the new policy evidence should go and how any escrow payment or refund will be handled.

They serve different purposes. Start by identifying which charge appears on your statement, then bring coverage questions to the insurer and loan-related questions to your servicer.

Ask your servicer about the rules for your specific loan and what documentation is needed. Avoid assuming that a change in an online home value estimate automatically removes the charge.

Read the notice and contact your insurer and servicer using trusted numbers. Ask what proof is missing and how to submit it securely. Keep a record of the confirmation.