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Mortgage Servicing Common Fees and Costs

Congratulations on your home financing. We’re glad to have you as a customer and we’d like to explain the Servicing Fees we may charge while we’re servicing your loan.

The good news is all of these fees 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 some of the fees and the amounts we may charge. Because situations vary, it’s possible that other fees not listed here could be charged.

Servicing Fees


Type When Charged Amount Charged
Late fee May be assessed 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

Non-Sufficient Funds (NSF) Fee

Also known as Returned Payment Fee or Returned Check Fee, may be charged when your bank does not honor the payment and it’s returned to us $0 - $30
Loan Assumption Fee
Charged when a request is made to change the legal responsibility for repaying a loan $50 - $900

Default Costs

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

Default costs follow state and local requirements as well as investor and insurer guidelines. Fee 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 and costs. You can also call us at 800-357-6675.

(Fees and costs are current as of 10/29/2018.)