New Articles | American Heritage Lending - Homeowner Learning Center

Access Outside the U.S.

Created On: 02/03/2025 in Online Access

Access to our website and app is available in the following countries: United States Australia British Virgin Islands Canada Finland Germany Greenland Guam India Japan Mexico Micronesia Portugal Puerto Rico South Korea United Kingd...
Online Access

Created On: 02/03/2025
Video: Understanding Your Escrow Statement

Created On: 09/12/2024 in Escrow Statement FAQs

We review your escrow activity at least annually to help ensure your account has enough funds to cover your property tax and/or insurance expenses, which can change from year to year. After each review, we send an Escrow Account Disclosure ...
Escrow Statement FAQs

Created On: 09/12/2024
Change in Your Mortgage Payment

Created On: 08/04/2023 in Escrow Statement FAQs

Why did my payment change? When your taxes and/or insurance bills change from year to year, it may be necessary to adjust the amount you are paying into your escrow account, too. Reasons your expenses changed may include: Insurance: Changes...
Contacts

Created On: 08/03/2023 in Escrow Statement FAQs

Who do I contact with questions about my escrow expenses? Taxes: Your local tax assessor’s office. Insurance premiums: Your insurance company. Your escrow payments and expenses: Reach out to us. We'll be happy to help! Please see our...
Keeping Track of Your Escrow Activity

Created On: 08/03/2023 in Escrow Statement FAQs

How can I see my escrow account activity? As your mortgage partner, we strive to make it easy to view and understand your escrow activity. We provide 24/7 access to track your escrow balance, deposits, and disbursements online, plus other easy ...
Surplus

Created On: 08/03/2023 in Escrow Statement FAQs

What is an escrow surplus? All escrow accounts have a minimum required balance, which equals your expected tax and insurance expenses plus some extra money in case your bills go up – this is called a cushion. If your escrow account balance is mor...
Shortage

Created On: 08/02/2023 in Escrow Statement FAQs

What is an escrow shortage? All escrow accounts have a minimum required balance , which equals your expected tax and insurance expenses plus some extra money in case your bills go up – this is called a cushion. If your escrow account balance is e...
Escrow Basics

Created On: 08/02/2023 in Escrow Statement FAQs

What is an escrow account? Think of it like a savings account dedicated to the tax and/or insurance expenses required for your property—and as your loan servicer, we help you manage it. Depending on the terms of your mortgage, your escrow account m...