Updated Articles

11. How to Enroll

    Last Updated: 09/16/2025 in Go Paperless *NEW Options!*
    You can enroll online in a few quick clicks! Here's how: Log into our website or app. Go to Documents and click Manage Delivery Preferences . Next to  Escrow statements plus other routine servicing communications,  check the Email box and...

12. E-Delivery Options

    Last Updated: 09/16/2025 in Go Paperless *NEW Options!*
    Electronic delivery is available for the following communications:  Monthly mortgage/account statements Provide information about payments due, account summary, and recent transactions.  Year-end statements Depending on your loan/accoun...

13. User Terms

    Last Updated: 01/15/2025 in Disclosures -- Accessible to customers
    Subservicing Notice: Cornerstone Servicing, a division of Cornerstone Capital Bank, SSB,  has an agreement with    to provide the day-to-day servicing of your loan. These terms apply to your use of the Cornerstone Capital Bank, SS...

14. Who to Contact

    Last Updated: 04/08/2026 in Year-End Statements
    I have other questions about year-end tax statements. Whom should I contact? If you have questions specific to taxes and deductions, reach out to the experts. Consult a qualified tax advisor, contact the IRS at 1-800-829-1040, or visit  IRS.gov...

15. Escrow Statement FAQs

    Last Updated: 04/08/2026

16. Shortage

    Last Updated: 04/08/2026 in Escrow Statement FAQs
    What is an escrow shortage? All escrow accounts have a minimum required balance , which equals your expected tax and insurance expenses plus some extra money in case your bills go up – this is called a cushion. If your escrow account balance is e...

17. Escrow Basics

    Last Updated: 04/08/2026 in Escrow Statement FAQs
    What is an escrow account? Think of it like a savings account dedicated to the tax and/or insurance expenses required for your property—and as your loan servicer, we help you manage it. Depending on the terms of your mortgage, your escrow account m...

18. Keeping Track of Your Escrow Activity

    Last Updated: 04/08/2026 in Escrow Statement FAQs
    How can I see my escrow account activity? As your mortgage partner, we strive to make it easy to view and understand your escrow activity. We provide 24/7 access to track your escrow balance, deposits, and disbursements online, plus other easy ...

19. Surplus

    Last Updated: 04/08/2026 in Escrow Statement FAQs
    What is an escrow surplus?  All escrow accounts have a minimum required balance, which equals your expected tax and insurance expenses plus some extra money in case your bills go up – this is called a cushion. If your escrow account balance is mor...

20. Change in Your Mortgage Payment

    Last Updated: 04/08/2026 in Escrow Statement FAQs
    Why did my payment change? When your taxes and/or insurance bills change from year to year, it may be necessary to adjust the amount you are paying into your escrow account, too.  Reasons your expenses changed may include: Insurance: Changes...

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