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title: Homeowner FAQs | Help Center
description: Homeowner FAQs
---
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1. [Help Center](https://help.habitattbg.org/)
2. [Homeowner FAQs](https://help.habitattbg.org/homeowner-faqs)
# Homeowner FAQs
- [How can I keep up with Habitat Homeowner news?](https://help.habitattbg.org/how-can-i-keep-up-with-habitat-homeowner-news)
## General FAQ
- [Where do I find my Loan Number?](https://help.habitattbg.org/where-do-i-find-my-loan-number)
- [I want to sell my home. What do I need to do?](https://help.habitattbg.org/i-want-to-sell-my-home.-what-do-i-need-to-do)
- [Does Habitat have a list of trusted vendors?](https://help.habitattbg.org/does-habitat-have-a-list-of-trusted-vendors)
- [I am recently married and want to add my spouse to the mortgage. How can I do this?](https://help.habitattbg.org/i-am-recently-married-and-want-to-add-my-spouse-to-the-mortgage.-how-can-i-do-this)
- [I am recently divorced and want to remove my former spouse from the mortgage. How can I do this?](https://help.habitattbg.org/i-am-recently-divorced-and-want-to-remove-my-former-spouse-from-the-mortgage.-how-can-i-do-this)
- [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?](https://help.habitattbg.org/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?](https://help.habitattbg.org/where-should-my-mortgage-payment-be-sent-if-i-dont-have-a-mortgage-coupon)
- [My credit report indicates a delinquent reporting on my mortgage. Why did this happen, and can I get it removed?](https://help.habitattbg.org/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?](https://help.habitattbg.org/can-i-do-a-loan-modification-to-reduce-my-mortgage-payment)
- [May I add someone to my account?](https://help.habitattbg.org/may-i-add-someone-to-my-account)
- [Who should I contact about a Notice of Error or Request for Information?](https://help.habitattbg.org/how-should-i-contact-about-a-notice-of-error-or-request-for-information)
- [How can I get in touch with the office?](https://help.habitattbg.org/how-can-i-get-in-touch-with-the-office)
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## Loan Payoff
- [When will I receive my payoff overpayment and/or escrow refund?](https://help.habitattbg.org/when-will-i-receive-my-payoff-overpayment-and/or-escrow-refund)
- [Is there a prepayment penalty if I pay my loan off early?](https://help.habitattbg.org/is-there-a-prepayment-penalty-if-i-pay-my-loan-off-early)
- [When will I receive confirmation that my mortgage loan is paid in full?](https://help.habitattbg.org/when-will-i-receive-confirmation-that-my-mortgage-loan-is-paid-in-full)
- [How do I order a loan payoff?](https://help.habitattbg.org/how-do-i-order-a-loan-payoff)
- [How long will it take to receive a payoff quote after I request it?](https://help.habitattbg.org/how-long-will-it-take-to-receive-a-payoff-quote-after-i-request-it)
## Taxes
- [If I have any other questions about my taxes, who do I contact?](https://help.habitattbg.org/if-i-have-any-other-questions-about-my-taxes-who-do-i-contact)
- [How do I notify you of an exemption or reduction in my tax amounts?](https://help.habitattbg.org/how-do-i-notify-you-of-an-exemption-or-reduction-in-my-tax-amounts)
- [How do I notify Habitat for Humanity of Pinellas County if I've been approved for a Homestead Exemption?](https://help.habitattbg.org/how-do-i-notify-habitat-for-humanity-of-pinellas-county-if-ive-been-approved-for-a-homestead-exemption)
## Escrow
- [What is an escrow account?](https://help.habitattbg.org/what-is-an-escrow-account)
- [How Do I Read the Escrow Analysys Statement?](https://help.habitattbg.org/how-do-i-read-the-escrow-analysys-statement)
- [I have an escrow account for homeowner’s or flood insurance, and I have received my premium notice. What do I do?](https://help.habitattbg.org/i-have-an-escrow-account-for-homeowners-or-flood-insurance-and-i-have-received-my-premium-notice.-what-do-i-do)
- [I have an escrow account for taxes, and I have received my tax bill. What do I do with it?](https://help.habitattbg.org/i-have-an-escrow-account-for-taxes-and-i-have-received-my-tax-bill.-what-do-i-do-with-it)
- [What should I do if my escrow check is lost or stolen?](https://help.habitattbg.org/what-should-i-do-if-my-escrow-check-is-lost-or-stolen)
- [What is an escrow analysis?](https://help.habitattbg.org/what-is-an-escrow-analysis)
- [Can I waive my escrow account and pay my tax and insurance bills myself?](https://help.habitattbg.org/can-i-waive-my-escrow-account-and-pay-my-tax-and-insurance-bills-myself)
- [Why did my mortgage payment change?](https://help.habitattbg.org/why-did-my-mortgage-payment-change)
- [Why do I have a shortage in my escrow account?](https://help.habitattbg.org/why-do-i-have-a-shortage-in-my-escrow-account)
- [Why do I have an escrow surplus?](https://help.habitattbg.org/why-do-i-have-an-escrow-surplus)
- [Can you apply my surplus to my loan?](https://help.habitattbg.org/can-you-apply-my-surplus-to-my-loan)
- [When will I receive my escrow surplus check?](https://help.habitattbg.org/when-will-i-receive-my-escrow-surplus-check)
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## Insurance
- [When is my policy up for renewal?](https://help.habitattbg.org/when-is-my-policy-up-for-renewal)
- [How do I make an insurance claim?](https://help.habitattbg.org/how-do-i-make-an-insurance-claim)
- [I have changed insurance companies. How do I send Habitat for Humanity of Pinellas County the updated information?](https://help.habitattbg.org/i-have-changed-insurance-companies.-how-do-i-send-habitat-for-humanity-of-pinellas-county-the-updated-information)
- [I have questions regarding my insurance and need to speak with someone.](https://help.habitattbg.org/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?](https://help.habitattbg.org/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)
- [Why is my insurance claim check not payable just to me?](https://help.habitattbg.org/why-is-my-insurance-claim-check-not-payable-just-to-me)
- [What should the mortgagee clause be?](https://help.habitattbg.org/what-should-the-mortgagee-clause-be)
- [I submitted an insurance claim and received the check for repairs. What now?](https://help.habitattbg.org/i-submitted-an-insurance-claim-and-received-the-check-for-repairs.-what-now)
- [Can I change insurance companies at any time?](https://help.habitattbg.org/can-i-change-insurance-company-at-any-time)
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## IRS Form 1098
- [What is a 1098 interest statement?](https://help.habitattbg.org/what-is-a-1098-interest-statement)
## Special Loans
- [When will my interest rate change?](https://help.habitattbg.org/when-will-my-interest-rate-change)
## Servicemembers Civil Relief Act (SCRA)
- [What is the Servicemembers Civil Relief Act? (SCRA)](https://help.habitattbg.org/what-is-the-servicemembers-civil-relief-act-scra)
- [Who is eligible for SCRA protection?](https://help.habitattbg.org/who-is-eligible-for-scra-protection)
- [What benefits does eligibility for SCRA protection provide?](https://help.habitattbg.org/what-benefits-does-eligibility-for-scra-protection-provide)
- [How do I request SCRA protection?](https://help.habitattbg.org/how-do-i-request-scra-protection)
## Mortgage Assumptions
- [Is my loan eligible for assumption?](https://help.habitattbg.org/is-my-loan-eligible-for-assumption)
## Successors in Interest
- [What is a successor in interest?](https://help.habitattbg.org/what-is-a-successor-in-interest)
- [I am a successor in interest. What is my next step?](https://help.habitattbg.org/i-am-a-successor-in-interest.-what-is-my-next-step)
## Payments
- [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?](https://help.habitattbg.org/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)
- [Can I make a payment by phone?](https://help.habitattbg.org/can-i-make-a-payment-by-phone)
- [I am struggling to maintain my finances and stay up to date on my bills. Can Habitat help me?](https://help.habitattbg.org/i-am-struggling-to)
- [Do you offer an automatic payment deduction program?](https://help.habitattbg.org/do-you-offer-an-automatic-payment-deduction-program)
- [Is the postmark date on my envelope my payment received date?](https://help.habitattbg.org/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?](https://help.habitattbg.org/how-long-does-it-take-for-my-payment-to-be-applied-after-you-receive-it)
- [When is my payment considered late?](https://help.habitattbg.org/when-is-my-payment-considered-late)
- [What if I don't have enough for my automatic payment?](https://help.habitattbg.org/what-if-i-dont-have-enough-for-my-automatic-payment)
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- [General Habitat FAQ](https://help.habitattbg.org/general-habitat-faq)
- [Volunteer FAQs](https://help.habitattbg.org/volunteer-faqs)
- [Homeowner FAQs](https://help.habitattbg.org/homeowner-faqs#main-content)
- [General FAQ](https://help.habitattbg.org/homeowner-faqs#general-faq)
- [Loan Payoff](https://help.habitattbg.org/homeowner-faqs#loan-payoff)
- [Taxes](https://help.habitattbg.org/homeowner-faqs#taxes)
- [Escrow](https://help.habitattbg.org/homeowner-faqs#escrow)
- [Insurance](https://help.habitattbg.org/homeowner-faqs#insurance)
- [IRS Form 1098](https://help.habitattbg.org/homeowner-faqs#irs-form-1098)
- [Special Loans](https://help.habitattbg.org/homeowner-faqs#special-loans)
- [Servicemembers Civil Relief Act (SCRA)](https://help.habitattbg.org/homeowner-faqs#servicemembers-civil-relief-act-scra)
- [Mortgage Assumptions](https://help.habitattbg.org/homeowner-faqs#mortgage-assumptions)
- [Successors in Interest](https://help.habitattbg.org/homeowner-faqs#successors-in-interest)
- [Payments](https://help.habitattbg.org/homeowner-faqs#payments)
- [Homeownership Program FAQs](https://help.habitattbg.org/homeownership-program-faqs)
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