Home Lending Servicing Common Fees, Charges, and Costs

Congratulations on your home financing. We’re glad to have you as a customer, and we’d like to explain the common fees, charges, and costs we may charge while we’re servicing your loan.

The good news is all of these fees and charges may be avoided by making your payment on time. If you experience unforeseen circumstances and are having difficulty making a payment, please call us right away so we can assist.

Because situations vary, there may be other fees and charges not listed here.

Late Charge

A late charge may be charged if your mortgage or home equity payment isn’t made by the payment deadline or within the grace period. Late charge amounts may vary as determined by account terms and the state where the property is located. If you’d like to know the specifics of your late charge amount, please refer to your most recent billing statement, or contact us.

Default Fees, Reconveyance Fees and Costs (Advances)

If your mortgage or home equity payments aren’t made and your account goes into default, which means not meeting the legal obligations of account payments, additional fees and costs for invoices paid to 3rd party vendors or bank affiliates may be advanced.

Default fees, reconveyance fees and costs follow state and local requirements as well as investor and insurer guidelines. Fee and cost amounts may vary based on account type, outstanding balance and payment status, as well as property location, size, and condition.

For More Information

Please call us at the phone number found on your monthly loan statement if you need more information about fees, charges, and costs. You can also call us at:

Mortgage Accounts: 800-357-6675
Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time

Home Equity Accounts: 866-439-3557
Mon – Fri: 7 am – 6 pm
Sat: 8 am – 2 pm
Central Time

(Fees and costs are current as of 2/16/2021.)