Refer to the following table for information about fees that may be charged to your account in accordance with state laws depending upon the action required.
| Service | Description | Fees |
|---|---|---|
| Amortization Schedule | This fee is charged when requesting an amortization schedule. This is a breakdown of the payments to principal and interest for amortized loans. | $0.00 |
| Assumption Fee | This fee is charged when requesting an assumption application to be processed. | Up to $1,800.00 |
| Late Charge | This fee is charged when the total amount of the scheduled payment is not received within the grace period. | The mortgage documents describe the circumstances when the fee is charged and the amount. |
| Lien Release Preparation Fee (Release Fee) | This fee is reflected on the payoff quote and is assessed when the loan is satisfied to cover the cost of preparing the release documentation. | Up to $25.00 |
| Loan Document Copy | This fee is charged when requesting a copy of the original closing documents. | $0.00 |
| Mortgage Statement Copy | This fee is charged when requesting a mortgage statement. This is documentation of the current mortgage balance, current interest rate, amount remaining on the mortgage term, and the contact information for the mortgage holder. | $0.00 |
| NSF/Returned Payment | This fee is charged when the account holder’s bank doesn’t honor the payment. | Up to $40.00 |
| Pay by Phone (Automated) | This fee is charged to make a payment through an automated phone system. | $0.00 |
| Pay by Phone (Representative) | This fee is charged to make a payment by phone with a representative. | $0.00 |
| Pay by Web | This fee is charged to make a payment online. | $0.00 |
| Payment History | This fee is charged when requesting a payment history, which is a record of payments or transactions made on a loan. | $0.00 |
| Payoff Statement | This fee is charged when requesting a payoff statement. Shows remaining principal balance, accrued interest, and the interest rate. | Up to $30.00 |
| Prior Year End Statement duplicates only | This fee is charged when requesting a copy of the prior year-end statement. | $0.00 |
| Verification of Mortgage | This fee is charged when requesting a Verification of Mortgage. This is documentation of a borrower's existing balance, monthly payments, and payment history. | $0.00 |