Do you have a question about your existing loan? Browse our list of frequently asked questions to find a quick answer. If you require further assistance, contact us today.
Payments
Statements
Account Information
Payoffs
Taxes & Insurance
For answers to general property tax lending questions, read out General Frequently Asked Questions page.
Payments
Autopay or "Auto draft"
Many of our customers prefer having their payments auto drafted each month. You can set this up by downloading and completed our ACH form. Download ACH Form Here.
Over the phone by e-Check, ACH, or Debit Card
You can call our servicing team at 866-456-3839 to schedule a payment. Pre-paid cards cannot be used.
Online or Web Payment
Payments can be made online through the Customer Portal. For First Time Users, click here. For customers already enrolled in the Customer Portal, click here.
Payment by Mail
Payments can be made by mail. Mailed payments should include your Account Statement and a check or money order. Please include your Account Number in the memo section of your check or money order. Mail the payment to the address as printed on your Account Statement.
Many of our customers prefer having their payments auto drafted each month. You can set this up by downloading and completed our ACH form. Download ACH Form Here.
Over the phone by e-Check, ACH, or Debit Card
You can call our servicing team at 866-456-3839 to schedule a payment. Pre-paid cards cannot be used.
Online or Web Payment
Payments can be made online through the Customer Portal. For First Time Users, click here. For customers already enrolled in the Customer Portal, click here.
Payment by Mail
Payments can be made by mail. Mailed payments should include your Account Statement and a check or money order. Please include your Account Number in the memo section of your check or money order. Mail the payment to the address as printed on your Account Statement.
Call us at (866) 456-3839 and ask to be set up with recurring ACH payments or download our ACH form and return to us via mail, fax, or email. ACH is free of extra fees and ensures that your payment is always received on time! Download ACH Form Here.
Yes, you can make a partial payment. Please be aware, however, that if a partial payment is received, the funds are placed in a reserve account and are not applied until a full payment has accumulated. If your contractual payment is not made within 10 days following the due date, you will be charged a late fee even if you have paid part of it prior to that time.
Yes. There is no prepayment penalty, so you can pay the loan off at any time. For example, if you pay the loan off in 90 days, you would only owe 90 days worth of interest.
Yes. You are only required to make your minimum monthly payment. You can pay more than your normal monthly payment any time you want to. If you send in more, and your loan is current, that additional amount will be applied to your principal loan balance and your loan will be paid off ahead of schedule.
Sometimes it’s hard to make a monthly payment on time; sometimes it’s impossible. We understand; it happens. If you’re having a rough month and think you might not be able to make your payment on time, give us a call right away at (866) 456-3839. It is always better to talk to us about the situation than to avoid us.
Under Texas law you will be given notice of the default and the opportunity to cure the default. Foreclosure proceedings could be initiated if the default is not cured. Our policy is to work with you to get caught up on your late or past due payments.
Statements
We send a statement of account as a courtesy, so you can review your account information, and as a reminder that you have an upcoming payment.
Your unpaid principal balance is available in the statement summary section in the upper right-hand corner of your most recent statement of account. If this is not available or you need a full payoff statement, then you can call our loan servicing department at (866) 456-3839.
It is important that you contact us as soon as possible. Our loan servicing agents will be able to review your specific situation and provide you with your options.
Your account number is displayed in the upper right-hand corner of your most recent statement of account. If this is not available, you may call our loan servicing department at (866) 456-3839.
For help understanding your statement, you can refer to our How to Read Your Bill document that outlines the important parts of your statement.
Account Information
On occasion, Hunter-Kelsey may update your account number and/or payment mailing information to comply with requirements from our banks. This change will not impact any terms on your loan, including interest rate, due date, payment amount, loan balance. We realize the difficulties associated with such changes and work to minimize them for our clients.
Your mortgage company should know that the tax loan was created when we paid your property taxes. Our philosophy is to work in cooperation with mortgage lenders and help our common customer successfully pay their mortgage and taxes to maintain ownership of their property. From time-to-time, banks or mortgage companies will have questions about our loans or may seem upset that our clients took a loan to pay property taxes. With your permission, we are more than happy to speak to your mortgage company. You can call us at (866) 456-3839 with their information and we can speak to them together or we can speak to them without you.
In most cases. After the end of every year, we will send the borrower on record an IRS Form 1098 statement if more than $600 of interest was paid on the loan. If your loan did not meet this threshold or you need help finding how much interest you paid for the year, please call us at (866) 456-3839.
Although we do not report payment history to the credit agencies, extended periods of non-payment may result in legal action which could be filed in the public records.
Pursuant to applicable law, Hunter-Kelsey is required to obtain certain information regarding the decedent and their estate. This information will allow us to correctly identify the responsible parties on the account, speak with authorized representatives of the decedent’s estate, and make any necessary changes to the account. The documents we need are as follows:
Mail: Hunter-Kelsey
7200 N. MoPac, Suite 120
Austin, TX 78731
Fax: (512) 482-8737
Email: loanservicing@hunterkelsey.com
- A certified copy of the decedent’s death certificate, AND
- A document establishing the identity and legal interest of the successor in interest to the property – for example, a signed will, deed, probate documents, small estate affidavit, trust document, or court order.
Mail: Hunter-Kelsey
7200 N. MoPac, Suite 120
Austin, TX 78731
Fax: (512) 482-8737
Email: loanservicing@hunterkelsey.com
Payoffs
You or the title company handling the transaction may submit a payoff request directly by completing our payoff request form. If the request is received from a title company, they will have you first sign a document showing that you approve the request.
The release of your lien may take up to 90 days due to county recordation times and other factors. If the time has exceeded 90 days, please contact our customer service department for assistance.
Taxes & Insurance
We may be able to pay these taxes and refinance your existing loan. Please call one of our loan officers at 866-PROP-TAX (866-776-7829) for a quick answer.
I recently received a notice that my property insurance is expiring. What will happen if it expires?
Your loan documents require that you maintain hazard insurance on your property if the loan amount is above $30,000 or if the loan-to-value ratio is above 30%. The insurance policy should name the lender (Hunter-Kelsey) as a mortgagee.
Should there be a lapse in coverage, we may purchase a lender placed insurance policy at the property owner’s expense.
Should there be a lapse in coverage, we may purchase a lender placed insurance policy at the property owner’s expense.
Please send a copy of the policy along with proof of payment by mail, fax, or email to:
Mail: Hunter-Kelsey
7200 N. MoPac, Suite 120
Austin, TX 78731
Fax: (512) 482-8737
Email: loanservicing@hunterkelsey.com
Mail: Hunter-Kelsey
7200 N. MoPac, Suite 120
Austin, TX 78731
Fax: (512) 482-8737
Email: loanservicing@hunterkelsey.com
Protect Yourself From Fraud
Scam artists are stealing millions of dollars from distressed homeowners by promising immediate relief from foreclosure. If you receive an offer, information, or advice that sounds too good to be true, it probably is. Don’t let them take advantage of you, your situation, your house, or your money.
- Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan.
- Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your lender to forgive your debt.
- Never make your loan payments to anyone other than your lender without their approval.
- Don’t sign papers in exchange for a promise that someone else will pay off your loan.
- Legitimate loan servicers want you to call them back. Ask for a main number, check that the number is connected to the agency or lender and call them back. Scammers are disguising their numbers as loan servicer phone numbers and government agency phone numbers, a fraudulent practice more commonly called “Spoofing”. If it doesn’t feel right, call them back on a number you obtain yourself from their website. If they are legitimate: they will be patient and wait for you.
