American Heritage Lending - Homeowner Learning Center
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Table of Contents
Table of Contents
Refine
LOG IN OR REGISTER
Contact Us
Newly Closed Loans
Online Access
Payments and Payoffs
Escrow, Tax & Insurance
Escrow Statement FAQs
Disaster Claims & Assistance
Year-End Statements
Lower My Payment
Financial Hardship
Go Paperless *NEW Options!*
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Glossary
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Insurance Department
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Newly Closed Loans
Online Access
Payments and Payoffs
Escrow, Tax & Insurance
Escrow Basics
Homeowner's/Hazard Insurance
Claims
Property Taxes
Escrow Waiver
Escrow Statement FAQs
Disaster Claims & Assistance
Year-End Statements
Year-End Statement Basics
Receiving My Statement
Accessing Statements Online
Tax Deductions
Who to Contact
Lower My Payment
Financial Hardship
We're Here to Support You
Mortgage Assistance Options
How to Request Mortgage Assistance
Additional Resources
Gracefully Exiting Your Loan
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Popular Articles
Terminating Mortgage Insurance
Last Updated: 10/16/2025
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Lower My Payment
Can I cancel my Mortgage Insurance? If Mortgage Insurance was required for your loan at closing, you might be wondering how long you will need to continue paying this extra expense. The short answer: it depends. Options to remove the mortgage ins...
Budget Drafts (Biweekly)
Last Updated: 10/16/2025
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Payments and Payoffs
Can I split my monthly payment into two payments? Yes, by enrolling for Budget Drafts , you can schedule automatic recurring ACH drafts from your checking or savings account every 14 days. Once enrolled, half of your monthly mortgage payment will...
Looking to Reduce Your Payment?
Last Updated: 10/16/2025
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Lower My Payment
We love making homeowners happy—and what better way than to help you save money over the life of your loan? If you are looking to reduce the amount of your monthly mortgage payment, options may be available for your mortgage. Browse our FAQs below ...
Disaster Assistance
Last Updated: 10/16/2025
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Disaster Claims & Assistance
I am having trouble making mortgage payments due to a disaster. What can I do? If a recent disaster has affected your ability to conduct normal financial business, we understand this may result in late or missed mortgage payments. We are here t...
Change in Your Mortgage Payment
Last Updated: 09/24/2024
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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...
Video: Understanding Your Escrow Statement
Last Updated: 09/12/2024
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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 ...
Access Outside the U.S.
Last Updated: 02/03/2025
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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...
Escrow Basics
Last Updated: 09/24/2024
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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...
Contacts
Last Updated: 09/24/2024
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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
Last Updated: 09/24/2024
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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 ...
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