Payment Information

Can I have my payments automatically drafted from my checking or savings account?

Yes. You can take advantage of Homebridge’s Auto-Pay programs. We offer many convenient ways for you to make your payment. Simply choose the one that works best for you.

  1. One-time payments can be made through our automated phone system, 24/7 or online. You will need your Homebridge account number, last 4 digits of your social security number for security verification, checking or savings routing and account numbers.
  2. Online payments are easy to manage when you set up automatic, recurring payments! At no cost to you, you can schedule automatic payments online within your due date and grace period. Go to, click on ACCESS MY LOAN and MANAGE MY LOAN, to update your payment method today!

It’s fast, it’s easy and best of all, it’s free!

How do I sign up for eStatements?

Login to our website,, and select Access My Loan and Manage My Loan. On the Account Details page select Statements and Update My Document Preferences. Set your preferences to receive statements online, agree to the Terms and Conditions for eStatements, and save preferences. Once registration is complete, you will receive a monthly email advising you when your eStatement is available for viewing.

Where do I mail my payments?

Homebridge accepts payments by mail, accompanied by your billing coupon. Payments can be mailed to the following address: Homebridge Financial Services, Inc. P.O. Box 1695 New York, NY 10116-1695

Can I make my payments at a Homebridge branch?

Currently, we do not offer this option for making your payment.

If I set up an auto pay, when will it take effect?

It takes about 15 days to set up auto-pay.

Can I pay my mortgage payment over the phone? Is there a fee for paying over the phone?

Yes, you may pay for your mortgage over the phone. Homebridge charges a fee in order to process your mortgage payment over the phone when speaking with a live Customer Service Specialist. You may also use our automated phone service to make a payment at no charge. Please call (855) 248-0530 if you wish to make the mortgage payment over the phone.

How do I cancel the automatic withdrawal on my account?

Homebridge offers two ways for you to cancel the automatic withdrawal:

  1. By phone: Call Customer Service toll-free at (855) 248-0530 Monday – Friday from 8:30am to 8:30pm ET (Except Holidays).
  2. By website: Cancel the automatic withdrawal through the Manage Autopay section of our website,

General Questions

What does my monthly mortgage payment include?

Your monthly mortgage payment includes a payment to the principal balance of your loan and an interest payment. If you were required to escrow or chose to escrow, your escrow payment (monthly payments collected to pay your hazard insurance, mortgage insurance, flood insurance and property taxes) will be included in the payment as well.

What is an amortization schedule and how do I obtain one?

An amortization schedule is a monthly listing of all payments due on your loan from the beginning to the end. To request a copy, send an email to or call one of our Customer Service Representatives toll-free at (855) 248-0530.

What if my name changes?

Please provide copies of legal documentation that supports your name change and submit to our mailing address along with a written signed request. We will contact you to confirm whether or not change can be made to our system records.When are my mortgage payments due?

Your mortgage payments are due the 1st day of every month.

How do I order a Verification of Mortgage (VOM)?

Homebridge offers a variety of ways for you to request a VOM:

  • Request for VOM can be requested via fax at (866) 438-7860
  • Online at, by selecting ACCESS MY LOAN and MANAGE MY LOAN. On the Account Details page, select Verification of Mortgage and provide the requested information for delivery options for the VOM.
  • Call Homebridge Customer Service at (855)248-0530 to request a VOM.

How do I obtain a copy of my loan documents?

You may call Homebridge Customer Service at (855) 248-0530 to obtain copies of your loan documents.

How is the interest rate calculated on an Adjustable Rate Mortgage (ARM) Loan?

Once the initial fixed interest rate period ends, the interest rate on an ARM is based on the specific index (such as U.S. Treasury Securities or LIBOR) plus the margin or percentage point(s) added by the lender.

What is the Adjustment Date?

The Adjustment Date is the date on which the interest rate changes. After an initial fixed interest rate period, the rate changes on the adjustment date to reflect the new interest rate.

Will I know in advance how much my payment may go up?

Yes, you will receive an ARM change notice letter prior to the payment change.

What are the steps required if I would like to recast my mortgage loan?

Homebridge allows Recasts whereby the principal balance is reduced by $10,000.00 or more and the principal and interest payment is recalculated based on the lower principal balance. There is a $150.00 recast fee. To get the process started, you must submit a written request stating you would like to recast your loan and how much you would like to pay towards the principal balance. If your loan is eligible¹ a modification agreement is prepared and sent detailing the new payment amount and the total amount of principal and interest owed on the loan after the recast is processed. Once you receive the modification document, you must sign and have it notarized. After the document is signed and notarized, send the signed and notarized document to Homebridge along with the principal funds and the $150 recast fee. Only certified funds or wire are accepted for the recast funds. The signed modification document must be received at the same time or before the principal funds are received. We cannot process recasts for principal funds received before the modification is received.

¹FHA, VA, RHS & Warehouse loans are NOT eligible for recasts.

Billing Statements

When will my billing statement be mailed?

Homebridge utilizes monthly bill and receipt. Your monthly billing statement is mailed once we receive and post your monthly payment. If you have not received a billing statement, please do not delay your remittance. Mail your payment to:

Homebridge Financial Services, Inc.
P.O. Box 1695
New York, NY 10116-1695

To ensure your monies are posted correctly, please write your loan number on your payment.

Please contact Customer Service at (855) 248-0530 if you continue to have trouble receiving your statement. However, if your loan is in bankruptcy, a billing statement will not be mailed. Please contact our Default Management Department at (855) 248-0530 to make payment arrangements on your loan.

How do I make changes or corrections to any of my personal information, such as my mailing address?

You may change your mailing address, e-mail address and phone numbers online at, select ACCESS MY LOAN and MANAGE MY LOAN. On the Account Details page, select My Account and My Information and enter the changes to your personal information then select Submit. Your changes to your personal information will be saved.

You can request updates to your mailing address or contact information by using the coupon located on the bottom of your billing statement. Detach and return this coupon with your payment and make sure to check the box on the front of the coupon to indicate that you made changes to your account information. Upon receipt we will update our records to reflect the most current information.

Or contact Customer Service at (855) 248-0530 and a representative will be happy to assist you.

Tax And Insurance

Do you take advantage of early payment property tax discounts?

Homebridge makes timely payments in compliance with all legal requirements.

How do you obtain tax bills?

Any tax bills you receive should be forwarded to Homebridge unless the bill is marked “COPY” or “FOR YOUR INFORMATION”.

Please write your loan number on your tax bill and send to:

Homebridge Financial Services
Attention: Tax Department
P.O. Box 2505
Covina, CA 91722

Where can I forward a delinquent tax bill to be paid from my escrow?

You may send your delinquent tax bill to the following address, please write your loan number on your tax bill.
Homebridge Financial Services, Inc.
P.O. Box 2505
Covina, CA 91722

Do I need to tell Homebridge about changes to my insurance policy?

Yes. It is important to keep your loan file up to date with your most accurate insurance information. To update your insurance information, please contact us with the following:

  • The insurance company name, address, phone number and agent name;
  • The policy number;
  • The effective date; and
  • The premium amount.

Homebridge Financial Services, Inc.
PO Box 7047
Troy, MI 48007-7047
Phone: (855) 862-4209

How do I cancel my insurance?

As long as you have a mortgage, you must always carry adequate insurance coverage on your property. If your insurance is canceled for any reason, or is not renewed, Homebridge will obtain insurance on your behalf, which is called forced-place insurance. Force-placed insurance may cost significantly more that standard insurance you purchase and does not provide as much coverage.

Homebridge Financial Services, Inc.
PO Box 7047
Troy, MI 48007-7047
Phone: (855) 862-4209

How do I change insurance companies or carriers?

If you decide to change your insurance carrier, please do the following:

  • Contact Homebridge 30 days prior to the change for more information.
  • Make sure your policy meets the insurance requirements.
  • Contact your current insurance carrier to cancel coverage.
  • Forward a copy of your new policy to Homebridge’s Insurance Department as soon as possible so we have most recent information on record.

Homebridge Financial Services, Inc.
PO Box 7047
Troy, MI 48007-7047
Phone: 1-855-862-4209

How do I renew my policy?

If your loan is escrowed, we will pay and renew your insurance. If your loan is not escrowed, when renewing your policy, be sure your agent has the following information:

  • Your correct Homebridge loan number.
  • Mortgage clause listed as:
    Homebridge Financial Services, Inc.
    P.O. Box 7047
    Troy, MI 48007-7047

I have an insurance claim check for damages to my home from fire, flood, hail, etc. How do I get the claim check endorsed?

Please contact the Homebridge Loss Draft Processing Department to determine if the check can be endorsed and returned to you or must be sent to Homebridge for monitoring of the repairs. Once this has been determined, the claim check can be mailed to the below address:

Homebridge Financial Services, Inc.
Attn: Loss Drafts Department
5225 Crooks Road
Troy, MI 48098-2823

Phone: (888) 350-4601
Fax: (248) 878-2415

Please make note of the following document requirements for claim processing.

Claims of $10,000 Replacement Cost Value and Below:

  • Claim check from the insurance company
  • Adjuster’s report from the insurance company
  • Signed and notarized Mortgagor’s Affidavit of Repair Certification (download here)

Claims Above $10,000 Replacement Cost Value:

  • Endorsed claim check from insurance company
  • Mortgagor’s affidavit fully executed and notarized (download here)
  • Contractor’s documentation signed by the borrower (needed for all contractors)
  • Contractor’s estimate / proposal
  • Contractor’s W-9
  • Contractor’s license and / or insurance
    • In States where a contractor’s license is not required (i.e. Texas), evidence of insurance will be accepted. Some states do not require insurance either, so in those instances, permits are acceptable.
  • Adjuster’s report from the insurance company
  • Paid receipts (before second draw) if the borrower is doing own work
  • Borrower acting as contractor: Unique form signed stating that borrower is doing own work
  • Borrower must be appropriately licensed if the work includes plumbing, electrical or HVAC. Roofing may be done by the borrower. However, local code requirements would supersede this allowance. If borrower does work that requires a licensed contractor, the Inspection Company must confirm that the repairs meet all safety, HOA, and / or local ordinances.
  • Letter of satisfaction and release of liens by the contractor (required for final draw)

What is mortgage insurance or private mortgage insurance?

Mortgage insurance protects the lender if a borrower defaults on a loan. Mortgage insurance is placed on the loan when the borrower does not have a sufficient amount of equity or down payment. For a conventional loan, private mortgage insurance is typically required if you are borrowing more than 80% of the purchase price. Therefore, private mortgage insurance makes it possible for home buyers to purchase a home with less than 20% down payment. For FHA loans, mortgage insurance is required on all loans, regardless of the amount of the down payment.

How can I cancel MI?

Part 1: FHA Mortgage Insurance Premiums (MIP) – Mortgage Insurance on some FHA loans can be canceled, but there are certain timeframes and loan to value (LTV) ratios that are required.

Part 2: Private Mortgage Insurance (PMI) – May be canceled under certain requirements:

  • The borrower submits a written cancellation request after LTV reaches 80%;
  • The borrower has a good payment history;
  • The borrower is current; and
  • The borrower satisfies any requirement of the mortgage holder for: (i) evidence of a type established in advance that the value of the property has not declined below the original value; and (ii) certification that the borrower’s equity in the property is not subject to a subordinate lien (12 USC 4902 (a)(41)).

NOTE: The ability to cancel MIP or PMI is extremely dependent on specific loan terms and loan circumstances; please contact a Customer Service Representative for further information regarding your specific loan. For information regarding your loan, call Customer Service at (855) 248-0530.


What is an escrow account?

An escrow account is used when Homebridge Financial Services, Inc. disburses your tax and insurance payments on your behalf. The amount in your escrow account is based on the estimated amount necessary to pay these obligations each year. The escrow portion of your monthly loan payment goes into an account to pay for future disbursements of your property taxes and insurance premiums. During the year, payments are made from this account as bills become due.

How can my payment be changing if I have a fixed rate loan?

A fixed rate loan means that only the principal and interest portion of your monthly payment remains constant. The escrow portion will change as the taxes and insurance premiums change.

What is an escrow analysis and how does it work?

An Escrow Analysis helps determine how much money should be deposited into an escrow account to cover future tax and insurance obligations. An annual escrow analysis is performed to determine whether the monthly payment amount needs to be adjusted higher, lower or not at all. Adjustments are based on payments that have already been made on your behalf, estimated future amounts and the balance in your escrow account at the time of analysis.

When will I receive an escrow analysis?

We are legally obligated to perform an escrow analysis by a federal law known as the Real Estate Settlement Procedures Act (RESPA). Regulations require lenders to perform an escrow analysis before the establishment of an escrow account and once every twelve months thereafter. If during the course of the year there are significant changes in any of the bill amounts, we may analyze the account more frequently.

What is an escrow overage?

If there is a surplus of funds in your escrow account, this is called an overage. Since tax or insurance payment amounts can change from year to year over collection may sometimes occur. If the surplus is more than $50.00, it will be refunded, provided your loan is current or as required by law. If your loan not current the additional funds will remain in your escrow account until your next scheduled escrow analysis.

What is an escrow shortage?

When funds have been under collected, a shortage occurs. The amount of the shortage would be the maximum negative amount that your account would reach if an adjustment to your monthly escrow payment was not made. Your loan will undergo an annual escrow analysis and your payment will be adjusted to compensate for the increase in your taxes and/or insurance and will offset the shortage that occurred in your escrow account. Escrow shortages will be calculated by spreading repayment over the projected 12 month period. You also have the option of paying off your shortage in one lump sum.

Your loan documents may also refer to a reserve requirement (or “cushion”) in accordance with state and federal law. This reserve requirement acts as an additional safeguard in the event your tax and/or insurance payments increase. In some cases (such as an escrow shortage), we may use some of the reserve amount in order to assist you in meeting tax and insurance obligations.

When will I receive my escrow or surplus refund balance after I have paid my loan in full?

Once your loan has been paid in full, the escrow/surplus balance (if any) will be refunded to the mailing address in our system within twenty (20) days of the paid in full date or as required by law. If you are moving, please be sure to provide any change of address at the time of loan payoff.

What if you have to pay my taxes or insurance and there are not enough funds in my escrow account to pay the full amount?

Homebridge will pay the full amount due for your taxes and/or insurance premiums even if you are short in your escrow account. We will collect the shortage back from you in additional monthly amounts over the next twelve (12) months.

Can I cancel my escrow account and pay my own taxes and insurance?

No, unless required by State law.

Year-End Information

When is my Year-End Information mailed?

Year-end tax statements will be available by January 31st. If you are enrolled in paperless billing, you’ll receive an email notification as soon as your statement is available. You can then view and print your statement by signing into your account online.

I am a co-mortgagor. Will I receive my annual loan statement?

Homebridge sends one statement to the primary mortgagor at the current mailing address. A copy of the statement will be provided upon request.

What if I need to obtain copies of my year-end statements from prior years?

You can view and access your tax forms from the previous 13 months by signing into your account online. For statements older than 13 months, please contact customer service at (855) 248-0530.

Please Note: the information included in this FAQ is not intended to provide federal or state income tax advice.

Refinance and Pay-Off Information

I am a current customer, how do I refinance my loan?

If you are thinking about refinancing your current loan, please call toll-free at 1-877-750-7366. One of our loan specialists will be happy to help you.

How do I request a payoff statement?

Payoff statements can be requested by calling our customer service number at 1-855-248-0530 or you may send a written request via fax at (866) 249-5311, please include your name, address and loan number. You may also request a payoff by emailing

Why is a principal balance not my payoff amount?

Your principal balance is not the payoff amount because the interest on your loan is calculated in arrears. For example, when you paid your August payment you actually paid interest for July and principal for August.

What is Homebridge Financial Service’s Mortgage Servicing Contact Information?

Property Tax Bills:
Homebridge Financial Services
PO Box 2505
Covina, CA 91722

Loss Draft Claim Checks: Insurance Renewals/Bills:
Homebridge Financial Services
PO Box 7047
Troy, MI 48007-7047

Homebridge Financial Services
5225 Crooks Road
Troy, MI 48098-2823
Attn: Loss Drafts Department
Fax #: 248-878-2415

Notice of Error, Requests for Information and Qualified Written Requests:

Homebridge Financial Services
PO Box 100050
Kennesaw, GA 30156-9202
Attn: Customer Service

Please be sure to include your loan number on all correspondence or payments.

Homebridge Financial Services
PO Box 100051
Kennesaw, GA 30156-9202
Attn: Customer Service

Homebridge Financial Services
PO Box 1695
New York, NY 10116-1695
Attn: Payment Processing

Email Address for customer inquiries:

Customer Service Toll Free Phone Number: (855) 248-0530
Hours of Operation: M-F 8:30am-8:30pm, ET (Except Holidays)
General Fax Number: 1-866-249-5311


Transfer of Service

Why was my mortgage transferred?

It is standard practice in the mortgage industry for loans to be purchased and sold. Be assured the terms of your loan remain the same. When a loan is transferred, you will be notified by the selling company 15 days prior to the transfer and by the purchasing company within 15 days of the transfer date. Contact Customer Service toll-free at (855) 248-0530 Monday – Friday from 8:30 am to 8:30 pm ET (Except Holidays) if you have questions.

My mortgage loan was transferred from another servicer this year. How do I get my year-end balances for the full calendar year?

Homebridge Financial Services and your previous servicer will send individual statements no later than January 31st. Each statement will reflect what you paid in mortgage interest and any real estate taxes, for the period of time your loan was serviced by each company. If you have any questions regarding your prior servicer’s tax statement, you need to contact them directly.

Can you send me a year-end statement for my previous servicer?

Please contact your previous servicer to obtain a copy of your year-end statement.

My mortgage just transferred to Homebridge; do I need to contact my insurance company?

Your prior servicer will notify your insurance carrier of the transfer; however, it is recommended that you confirm your carrier has been properly notified. In the event they did not receive notification, please ask your insurance carrier to change the mortgagee clause to:

Homebridge Financial Services, Inc.
P.O. Box 7047
Troy, MI 48007-7047

Note: Please make sure your Homebridge loan number is included on any insurance documents sent to Homebridge.


These FAQs address common mortgage servicing questions and are not specific to individual loans. Answers may vary based upon the terms of your existing loan. For information regarding your loan, call Customer Service at 1-855-248-0530. The information provided in these FAQs is not legal advice.

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