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Mortgage 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 servicing 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.

The chart, below, describes common fees, charges, and amounts. Because situations vary, there may be other fees and charges not listed here.

Servicing Fees


Type When Charged Amount Charged
Late Charge May be charged if your mortgage payment isn’t made by the payment deadline or within the courtesy period Varies, and is usually a percentage of your past due payment as determined by  your loan terms and the state where the property is located

Payment Return Fee

May be charged when your bank does not honor the payment and it’s returned to us; also known as the Dishonored Check Fee or Non-Sufficient Funds (NSF) Fee $0 - $30
Loan Assumption Fee
Charged when a request is made to change the legal responsibility for repaying a loan $50 - $900

Default Fees and Costs (Advances)

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

Default fees and costs follow state and local requirements as well as investor and insurer guidelines. Fee and cost amounts may vary based on loan 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 800-357-6675.

(Fees and costs are current as of 7/4/2019.)