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Homeowner FAQs

Homeowner FAQs

How can I keep up with Habitat Homeowner news?

General FAQ

I want to sell my home. What do I need to do?

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?

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?

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?

May I add someone to my account?

Who should I contact about a Notice of Error or Request for Information?

How can I get in touch with the office?

Does Habitat have a list of trusted vendors?

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Loan Payoff

When will I receive my payoff overpayment and/or escrow refund?

When will I receive confirmation that my mortgage loan is paid in full?

How do I order a loan payoff?

How long will it take to receive a payoff quote after I request it?

Is there a prepayment penalty if I pay my loan off early?

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Taxes

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?

How do I notify Habitat for Humanity of Pinellas County if I've been approved for a Homestead Exemption?

Escrow

I have an escrow account for homeowner’s 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?

What should I do if my escrow check is lost or stolen?

What is an escrow analysis?

Can I waive my escrow account and pay my tax and insurance bills myself?

Why did my mortgage payment change?

Why do I have a shortage in my escrow account?

Why do I have an escrow surplus?

Can you apply my surplus to my loan?

When will I receive my escrow surplus check?

What is an escrow account?

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Insurance

When is my policy up for renewal?

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?

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?

Why is my insurance claim check not payable just to me?

What should the mortgagee clause be?

I submitted an insurance claim and received the check for repairs. What now?

Can I change insurance companies at any time?

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IRS Form 1098

What is a 1098 interest statement?

Special Loans

When will my interest rate change?

Servicemembers Civil Relief Act (SCRA)

What is the Servicemembers Civil Relief Act? (SCRA)

Who is eligible for SCRA protection?

What benefits does eligibility for SCRA protection provide?

How do I request SCRA protection?

Mortgage Assumptions

Is my loan eligible for assumption?

Successors in Interest

What is a successor in interest?

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?

Do you offer an automatic payment deduction program?

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?

When is my payment considered late?

What if I don't have enough for my automatic payment?

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?

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