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Homeowner FAQs

Homeowner FAQs

How can I keep up with Habitat Homeowner news?

General FAQ

Why were my payments applied late when I have an online bill payment service and the funds were deducted from my account on the fifth of the month?

Where should my mortgage payment be sent if I don't have a mortgage coupon?

I am recently divorced and want to remove my former spouse from the mortgage. How can I do this?

I am recently married and want to add my spouse to the mortgage. How can I do this?

My credit report indicates a delinquent reporting on my mortgage. Why did this happen, and can I get it removed?

Can I do a loan modification to reduce my mortgage payment?

May I add someone to my account?

Who should I contact about a Notice of Error or Request for Information?

How can I get in touch with the office?

I want to sell my home. What do I need to do?

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Loan Payoff

How do I order a loan payoff?

When will I receive confirmation that my mortgage loan is paid in full?

When will I receive my payoff overpayment and/or escrow refund?

How long will it take to receive a payoff quote after I request it?

Is there a prepayment penalty if I pay my loan off early?

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Taxes

How do I notify Habitat for Humanity of Pinellas County if I've been approved for a Homestead Exemption?

How do I notify you of an exemption or reduction in my tax amounts?

If I have any other questions about my taxes, who do I contact?

Escrow

What is an escrow analysis?

Can I waive my escrow account and pay my tax and insurance bills myself?

Why did my mortgage payment change?

Why do I have a shortage in my escrow account?

Why do I have an escrow surplus?

Can you apply my surplus to my loan?

When will I receive my escrow surplus check?

What should I do if my escrow check is lost or stolen?

I have an escrow account for taxes, and I have received my tax bill. What do I do with it?

I have an escrow account for homeowner’s or flood insurance, and I have received my premium notice. What do I do?

What is an escrow account?

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Insurance

I have questions regarding my insurance and need to speak with someone.

I have received an insurance bill or cancellation notice and I have an escrow account with Habitat for Humanity of Pinellas County. What should I do?

I have changed insurance companies. How do I send Habitat for Humanity of Pinellas County the updated information?

How do I make an insurance claim?

Why is my insurance claim check not payable just to me?

When is my policy up for renewal?

What should the mortgagee clause be?

I submitted an insurance claim and received the check for repairs. What now?

Can I change insurance companies at any time?

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IRS Form 1098

What is a 1098 interest statement?

Special Loans

When will my interest rate change?

Servicemembers Civil Relief Act (SCRA)

What is the Servicemembers Civil Relief Act? (SCRA)

Who is eligible for SCRA protection?

What benefits does eligibility for SCRA protection provide?

How do I request SCRA protection?

Mortgage Assumptions

Is my loan eligible for assumption?

Successors in Interest

What is a successor in interest?

I am a successor in interest. What is my next step?

Payments

Is the postmark date on my envelope my payment received date?

How long does it take for my payment to be applied after you receive it?

Do you offer an automatic payment deduction program?

When is my payment considered late?

I sent my payment on time, but it has not been credited to my account and has not cleared the bank. What should I do?

What if I don't have enough for my automatic payment?

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