You will be provided a list of documents required. We have multiple ways of collecting/uploading. Whichever way is most convenient for you. The sooner the better, so we can review in detail prior to processing.

Your first payment due date is determined once a closing date has been agreed on. Typically, you'll receive via snail mail a letter with online directions prior to your first payment. As a secondary, my team sends out an email 5 days prior with your new servicing account number and website details. Don't stress; we'll make sure you have everything needed.

PL- This is your mortgage payment based on the loan amount and locked interest rate. Once locked and closed, this amount will never change. TI- Taxes and Insurance - this is determined by the property address and county bill: we collect 1/12th of the payment monthly and save it for you (*see Escrow). UHM. then pays both bills annually

During the process we will help you shop and set up your required hazard insurance. You can choose any company you would like; keep in mind that the annual premium will affect your monthly payment and total closing costs.

$875 will need to be pre-paid once you have an accepted offer. This is collected via debit/credit card. The fee goes toward your credit report fee and appraisal fee. Both items are included in the total amount of closing costs and will be deducted from what is owed at closing.

This is a savings account we hold for you that collects your monthly taxes and insurance. We start a “cushion" at closing and then pay your bills owed annually.