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Homeowner FAQs
General FAQ
- Does Habitat have a list of trusted vendors?
- 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?
Loan Payoff
Taxes
Escrow
- What is an escrow account?
- 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?
- 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?
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?
IRS Form 1098
Special Loans
Servicemembers Civil Relief Act (SCRA)
Mortgage Assumptions
Successors in Interest
Payments
- Can I make a payment by phone?
- 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?
- I am struggling to maintain my finances and stay up to date on my bills. Can Habitat help me?
- 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?