Table of Contents
- 1 How To Your Mortgage Online Bill Payment
- 2 How To Your Mortgage Login
- 3 Your Mortgage Also Search
- 4 Your Mortgage FQA
- 4.1 What is private mortgage insurance (PMI) and do I need it?
- 4.2 Can I get a loan from the government?
- 4.3 Do I qualify for a government loan?
- 4.4 What are fixed-rate mortgages (FRMs) and adjustable-rate mortgages (ARMs)?
- 4.5 Is a fixed-rate or adjustable-rate mortgage better?
- 4.6 Share this:
- 4.7 Like this:
How To Your Mortgage Online Bill Payment
Guests of Your Mortgage Online can pay their bills by logging in to the sanctioned website https//www.yourmortgageonline.com/( given below) and visiting the Pay Bills Section to make the payments.
In case of any issue or support, one can communicate with Your Mortgage Online support at ( 800)-669-4268 using the details given below.
How To Your Mortgage Login
To login in one should visit the bill payment website https//www.yourmortgageonline.com/ and enter his/ her username/ word in the right section of the runner and press login.
still, hit the Forgot word button, If you forget your username/ word. In the section My Accounts, you’ll be suitable to view your outstanding bills and pay through the online banking installation.
Still, check out the Offers Runner, If you’re looking to redeem price points.
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Your Mortgage Phone Number
The number for Phone and Support is listed below. However, visit the Contact Us section of the website, If you have any other enterprises.
Mortgage Servicing Fee Schedule
| Mortgage Servicing Related Fees | Fee Amount |
|---|---|
| Custom Amortization Schedule Fee charged to review the loan and create a customized loan payment schedule for the borrower which shows the effects of varying hypothetical changes to factors affecting loan payments. | $15.00 |
| Foreclosure Fees and Costs Fees and costs charged that are paid by the lender after a borrower defaults to bring legal action in order to take possession of the property secured by the loan according to the loan documents. These include, but are not limited to, attorney fees for legal services performed and costs paid to a third party, such as a court clerk, sheriff, title company, or other entity, for necessary expenses related to the legal proceedings. | Actual fees and costs – vary by state |
| Late Charge A fee is charged when the borrower’s loan payment is received after the expiration of any applicable grace period according to the loan documents. | As stated in loan documents (typically 2-5% of payment) |
| NSF (Non-Sufficient Funds) Fee Fee charged when the borrower’s loan payment is rejected by the borrower’s bank or cannot be honored because there are not enough funds in the borrower’s account, the borrower’s account is closed, the borrower’s authorization is revoked o,r due to other reasons. | Varies by state |
| Modification Interest Rate/Term (plus title fee if applicable) Fee charged to review the loan in order to approve and process changes to the terms of the loan. | $450.00 – $1,875.00 (Please see the important Note below.) |
| Modification Principal Reduction Fee charged to review the loan in order to approve and process a principal curtailment and recalculate the loan payment schedule based on the decreased principal amount. | $150.00 – $500.00 (Please see the important Note below.) |
| Mortgage Loan Assumption (qualifying, plus cost of the credit report, disclosure, and recording fee, if applicable) Fee charged to collect and create the required documents in order to approve and process the addition of a borrower assuming liability under an existing loan. | 1% of principal balance ($400.00 – $900.00) (Please see the important Note below.) |
| Mortgage Loan Simple Assumption (Title change and/or addition of co-borrower without the release of liability plus cost of disclosure and recording fee) Fee charged to collect and create the required documents in order to approve and process the addition of a borrower to liability under an existing loan. | $75.00 – $100.00 (Please see the important note below.) |
| VA Title Change with Release of Liability (plus the cost of the credit report, title update fee, and recording fee) Fee charged to collect and create the required documents in order to approve and process the release of a borrower from liability under an existing VA loan. | $300.00 |
| FHA Title Change with Release of Liability (plus the cost of the credit report, title update, and recording fee) Fee charged to collect and create the required documents in order to approve and process the release of a borrower from liability under an existing FHA loan. | $900.00 |
| Title Change / Estate Planning / Trust Transfer (plus the cost of recording fee) Fee charged to collect and review the required documents in order to approve and process a transfer of ownership of the property. | $0.00 – $100.00 (Please see the important note below.) |
| Subordination Fee charged to collect and review the required documents in order to approve and process the priority status change of a loan to make it subject to (or in a junior lien position to) another loan as a result of, for example, a refinance of the first lien mortgage. | $0.00 – $500.00 (Please see the important note below.) |
| Mortgage Loan Assumption (qualifying, plus the cost of the credit report, disclosure, and recording fee, if applicable) Fee charged to collect and create the required documents in order to approve and process the addition of a borrower assuming liability under an existing loan. | $75.00 – $500.00 (Please see the important note below.) |
| Partial Release/Easement (plus the cost of appraisal) Fee charged to collect and review the required documents in order to approve and process the release of a portion of the property secured by the loan. | $11.50 |
| Pay by Phone with a Representative A fee is charged when the borrower elects to have a collection representative process a loan payment over the phone. | $9.50 |
| Property Inspections After the loan is in default or notification is received that the property has not been maintained according to the loan documents, a fee is charged to inspect and document the physical condition and/or occupancy status of the property. | Standard Exterior Inspection ($15.00) Standard Interior Inspection ($20.00) |
| Pay by Phone without a Representative A fee is charged when the borrower elects to make a loan payment over the phone through the automated Interactive Voice Response (“IVR”) system without the assistance of a collection representative. | Actual cost |
| Balloon Loan Reset Fee Fee charged to review the loan documents in order to modify a balloon loan to extend the maturity date. | As stated in the loan documents ($250.00 – $350.00) (Please see the important note below.) |
Are you having trouble making your mortgage payments?
We may be suitable to help
still, we may be suitable to help, If you’re having difficulty making your mortgage payments due to circumstances beyond your control.
We have a number of ways to work with you during these delicate fiscal times that may help you keep your home. However, please don’t delay in reaching us, If you’re having trouble.
What To Do Next?
To start the process of determining if you’re eligible for payment backing options similar to a prepayment plan, revision, or temporary forbearance,
we ask that you apply for difficulty backing and modernizing the financial data that we’ve trained for you.
You can register online(loansolutioncenter.com) to apply for difficulty backing.
For fresh information, please call us at 1-800-669-4268.
COVID- 19 NOTICE
Due to the circumstances girding COVID-19, there may be a heightened threat of fraudulent exertion generally.
Please take special care, and if necessary, only communicate directly with your mortgage lender.
also, noway make your mortgage payments to anyone other than your mortgage lender without its written blessing. Most importantly, stay well in these unusual times.
Mortgage terms to know
Prepayment Plan
Prepayment plans work stylish for borrowers who have missed one or further payments, due to an unanticipated expenditure,
but else have a steady source of income that allows them to make their unborn payments in full and on time.
A prepayment plan allows you to take the quantum you’re before on your mortgage, including any late payment freights and penalties,
and pay it off a little at a time, by adding your yearly mortgage payment in small quantities.
revision
A loan revision adjusts the terms of your mortgage, similar to your interest rate or term, in order to bring the loan current, and if possible, reduce your yearly payment.
Temporary Forbearance
Temporary forbearance plans work stylishly for borrowers who have lately faced or are facing unanticipated rigors similar to severance, divorce, death, disaster, or disability.
This option may reduce or suspend your mortgage payment for a specific period of time to allow you to recover from this difficulty to resolve
the loss of employment or making better use of your coffers allowing you to pursue an endless difficult result.
Your Mortgage Hours of Operations
| Monday | 8:30 am – 5:00 pm |
| Tuesday | 8:30 am – 5:00 pm |
| Wednesday | 8:30 am – 5:00 pm |
| Thursday | 8:30 am – 5:00 pm |
| Friday | 8:30 am – 5:00 pm |
| Saturday | Closed |
| Sunday | Closed |
Your Mortgage Overview
Website: https://www.yourmortgageonline.com/
Create a new account: https://www.yourmortgageonline.com/Registration
Online Login/Sign in: https://www.yourmortgageonline.com/
Forgot Password Link:
Payment Mode: Checking,
Support Phone Number: (800)-669-4268
Routing Number:
Contact Us
General inquiries should be posted independently from your mortgage payment to our correspondence address.
Be sure to include your loan number and telephone number, including area law, on all inquiries.
RESPA Notices of Error and Requests for Information must be transferred only to the address indicated below, including the specific Attention line noted.
CORRESPONDENCE
Mail Stop 1290
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8945
PAYOFF/OVERNIGHT PAYMENTS
Mail Stop 1270
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8945
RESPA NOTICE OF ERROR/REQUEST FOR INFORMATION
Attention: Mail Stop NOE 1290
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8945
CUSTOMER SERVICE DEPARTMENT
1-800-669-4268
TDD: 1-866-352-3684
Fax: 1-847-574-7659
Monday – Friday
8:00 am – 7:00 pm CST
COLLECTION DEPARTMENT
1-800-669-0340
TDD: 1-866-352-7564
Monday – Friday
8:00 am – 7:00 pm CST
Your Mortgage Also Search
| Https www your mortgage online com account | cross country mortgage login |
| yourmortgageonline dovenmuehle | guaranteed rate servicing |
| guaranteed rate pay online | first home mortgage login |
| guaranteed rate login payment | NFM Lending login |
Your Mortgage FQA
What is private mortgage insurance (PMI) and do I need it?
Still, they may bear private mortgage insurance, If the bank or mortgage company determines that your loan is a threat.
This insurance serves to isolate the lender in the event that you overpass on your loan.
It’s possible that the fair request value of your house won’t cover the full quantum of plutocrat owed to the bank or mortgage company if you overpass.
In similar cases, private mortgage insurance reimburses the lender for the difference.
Private mortgage insurance is generally needed for borrowers that make a down payment of lower than 20 or with poor credit scores.
Can I get a loan from the government?
TheU.S. Department of Housing and Urban Development, also known as HUD, has a number of programs for good buyers.
HUD oversees the FHA and has options that include 203( K) loans for fixer-uppers, financing for homes that are FHA-ensured and attained via foreclosure, and more.
Their thing is to increase power for nonages and low-income Americans.
FHA loans are the most popular option.
The FHA requires only 3 for a down payment and guarantees the loan, which results in credit programs that are less strict for implicit borrowers.
Stager’s Administration, or VA, loans are intended for good stagers or their unattached surviving consorts that are looking to buy or refinance a home.
Do I qualify for a government loan?
The two primary civil government backing programs for mortgages are VA loans and FHA loans.
VA loans aren’t actually loans, but a guarantee from the civil government that should you overpass, theU.S. Department of Veterans Affairs will pay the lender a certain quantum of the defaulted loan.
These loans are available to current members of the service and stagers with honorable discharges. FHA loans are available through the U.S.
Department of Housing and Urban Development( HUD).
These loans, like VA loans, guarantee that the Federal Housing Authority will pay the lender 100 of the ensured quantum of your mortgage should your overpass.
You must meet certain criteria to qualify for an FHA loan.
What are fixed-rate mortgages (FRMs) and adjustable-rate mortgages (ARMs)?
The interest rate for a fixed-rate mortgage is set in place over the life of the loan.
On the other hand, an malleable- rate mortgage can have its interest rate rise or fall during specified adaptation ages.
Is a fixed-rate or adjustable-rate mortgage better?
Fixed-rate mortgages make sense for buyers when the current mortgage rate is low.
This allows you to lock in the current rate and be defended from increases that are likely to take place over the coming 30 years.
However, an malleable- rate mortgage may be better because rates can drop If the current rate is high.
It’s good to have a flashback that you’ll have the option to refinance in the future to take advantage of rate changes as well.
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