We understand the mortgage process can be long and involves a lot of information that is easy to forget or misplace. 这就是为什么我们整理了一份事实和常见问题清单!
抵押贷款快讯
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- 如果你有一个托管账户, the portion of your monthly mortgage payment that goes to your escrow account will adjust each year with the changes in property tax and homeowners insurance premium amounts.
- 付款变化计算只发生 一次 一月的一年. The Credit Union does not perform a new analysis based on a change in insurance premiums or increases/decreases in the assessed value of the property.
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在每年一月的托管报表中, 你会发现，你的每月按揭付款可能会发生变化 3月1日 根据你的托管账户是否有超额或短缺. 这份报表总结了你过去12个月的托管活动, 以及对未来12个月的预测. 您可以选择如何处理超额或短缺，这将影响您的每月付款. 有关这些信息，请参阅代管对账单的付款变更通知部分.
你新的月供将于3月1日生效. 如果你每月用电子方式付款, 请务必在2月份付款后更新付款金额, 在支付3月份的付款之前. 以下是如何轻松更新您的付款:
- 你的按揭是否自动由其他机构支付?
- 你需要 在该机构更新你的自动按揭付款 以反映您的托管分析报表上显示的新调整金额 3月1日前.
- Are your mortgage payments set up as automatic reoccurring transfers from your Arbor Financial account?
- 这些付款将根据托管分析报表自动更新. 如果你有特殊的付款安排(比如四舍五入), 然后网赌最好最大平台为您更新付款.
- 你是否通过Arbor的手机设置了按揭还款 & 网上网赌最好最大平台?
- 有两个地方可以设置定期付款. 最常见的地方是“转移”，以建立一个经常性的转移/支付. 另一种选择是通过账单支付. 根据需要更新您的付款金额.
- 你的按揭是否自动由其他机构支付?
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我们希望帮助您实现预算需求, 然而, 我们的抵押贷款要求每月全额付款，以便处理付款. This means that you cannot pay half of your payment at a time; you must have the full amount for us to process the payment.
We also understand that some members want to take advantage of the interest savings that a bi-weekly payment option offers. 每年支付13次全额付款相当于每两周支付一次抵押贷款. The easiest way to do this is to pay extra every month by adding 1/12 of your regular payment to the normal payment you make each month (ex.如果你的月供是1200美元，那么1/12就是100美元，所以你的月供就是1300美元. 在年底, 你就相当于多还了一笔抵押贷款, 哪一种方式能和两周一次的还款方式节省同样多的利息.). -
Arbor Financial有三种设置自动付款的选项.
- Pre-authorized事务 -用于账户到账户的转账.
- 呵呀 - you can choose to set up automatic payments from a different institution by simply bringing in a voided check with the signed 呵呀 transfer form.
- 网上网赌最好最大平台 转移-在您的账户之间转移资金(例如:您的Arbor Financial支票到您的抵押贷款). 您可以安排一次性或重复的传输. 设置转账由您控制，可以在网上网赌最好最大平台完成。 学习如何.
*呵呀和网上网赌最好最大平台支付不会自动调整! 会员必须每年更新其付款(如托管).
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让我们知道! 我们想使您的保险范围变更容易. 为了做到这一点, 我们需要知道你正在做出改变，这样我们才能指导你完成整个过程.
如果你换了保险公司，没有时间打电话, 您还可以将更新的策略信息或声明页面发送到 mlservicing@cinderlila.com 或传真至269-544-3440.
如果你收到旧公司的退款支票，请把它存回你的代管账户. 否则，你的代管资金就会短缺. -
- 如果支票金额低于40,000美元.00, 保险索偿支票将存入会员帐户，不作任何保留, 这些资金将立即提供给会员. Arbor Financial Credit Union will request that the member supply us with photos or documentation of the repairs when they are finished so we can properly document the file.
- 如果支票金额超过4万美元.，款项将按按揭条款处理，按揭条款如下:
- 索赔支票将存入会员账户，并保留资金.
- The Credit Union will release these funds with a written estimate or an invoice from the contractor performing the repairs. The funds will either be released to the member (if the invoice has been paid) or a check will be issued directly to the contractor (if making a down payment or paying an invoice).
- 我们要求任何工作都要使用有执照的承包商, 因此，如果成员希望自己做任何工作, 在发放任何资金之前，他们必须联系抵押部门获得批准.
- 要了解更深入的信息， 点击这里. 还有问题吗?? 请直接打电话给我们 269-544-3186 或发邮件至 mlservicing@cinderlila.com.
避免止赎的常见问题
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- No. There should never be a fee to obtain assistance or information about foreclosure prevention options from your mortgage servicer or a qualified housing finance agency.
- 除了你每月的抵押贷款对账单上列出的公司外，永远不要向其他公司支付抵押贷款.
- 谨防诈骗和任何提供收费帮助的人(见 谨防止赎救助骗局 以下是更多信息).
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- Foreclosure is the loss of your home through a legal process where your mortgage servicer or a third party acquires the property at a foreclosure sale.
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- 你必须搬家，否则你会被赶出房子.
- 你可能需要长达7年的时间才有资格获得另一笔房地美抵押贷款.
- 您和抵押贷款上列出的任何其他借款人可能会遇到负面信用影响.
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- 如果你无视抵押贷款服务机构的通知, your mortgage servicer may refer your mortgage to foreclosure as authorized by your mortgage documents and applicable law.
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- 是的，越快越好! 如果你想保留你的房子，请立即联系你的抵押贷款服务机构.
- You may also contact a HUD-approved housing counselor and request a three-way call that would include you, hud批准的住房顾问, 和你的抵押贷款服务人员讨论你的困难.
- 住房和城市发展部认可的住房顾问也可以提供免费的债务管理建议.
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- 是的, but it is important that you reach out to your servicer as soon as possible to discuss potential options. If your mortgage servicer receives your complete Mortgage Assistance Application with only 37 or fewer calendar days before the scheduled foreclosure sale, there is no guarantee that your servicer will be able to evaluate you for mortgage assistance in time to stop the foreclosure sale.
- 即使你的抵押贷款服务机构批准你在出售之前取消抵押品赎回权, a court with jurisdiction over the foreclosure proceeding (if any) or public official charged with carrying out the sale may not be able to halt the scheduled sale.
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- No. Your property will not be sold at a foreclosure sale if you accept a foreclosure avoidance option and comply with its requirements.
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- 你应该尽快与我们联系. We are here to help you adjust to these events and provide you with information on where to send the mortgage payments. Please contact us to obtain a list of documentation that is needed to confirm your identity and ownership interest in the property, 并讨论下一步.
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还有问题吗?? 了解更多关于抵押贷款救济和资源，通过我们的水平上升计划.
Scam artists have stolen millions of dollars from distressed homeowners by promising immediate relief from foreclosure, 或者为咨询服务索要现金. HUD批准的咨询机构免费提供相同的服务. 如果你收到的工作机会、信息或建议听起来好得令人难以置信，那么它很可能是真的. 如果您有任何疑问，请联系阿伯金融信用合作社 269-544-3186. 不要让骗子利用你、你的处境、你的房子或你的钱. 请记住，您的抵押贷款服务机构不负责支付由骗局造成的损害. 记住，帮助是免费的.
谨防止赎救助骗局
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谨防以下公司或个人:
- 要求提前支付费用，与您的抵押贷款服务机构一起修改, 再融资, 或者恢复你的抵押贷款.
- 保证他们可以阻止止赎或修改你的抵押贷款.
- 建议你停止支付你的抵押贷款服务，而是支付给他们.
- Pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read, 而你并没有完全理解.
- 声称提供“政府批准”或“官方政府”抵押贷款修改.
- Asks you to release personal financial information online or over the phone and you have not been working with this person and/or do not know them.
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做以下其中一件事:
- 去 http://www.consumerfinance.gov/complaint/ 提交投诉并获取更多关于如何反击的信息.
- Call 1-(888)-995‐HOPE (4673) and tell the counselor about your situation and that you believe you were scammed or know of a scam.