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Paperless Terms & Conditions

You have requested that certain notices or disclosures ("Disclosures") be made available to you electronically.  In accordance with the Electronic Signatures in Global and National Commerce Act, we are required to provide an overview of your rights and to obtain your consent before we are able to provide these Disclosures electronically.

Once you consent to receive Disclosures electronically, we will continue to make them available to you in an electronic format and may discontinue sending paper copies for the duration of our business relationship, unless and until: (i) you withdraw your consent, (ii) you no longer qualify for electronic Disclosures or (iii) we stop offering this service. When our records show that you are no longer to receive electronic Disclosures you will be notified and will receive all future Disclosures in a format consistent with applicable law.

The Disclosures that you will receive electronically may include, but are not limited to, the following:

  • Escrow Notices
  • Monthly Account Statements
  • Annual IRS Form 1098, Mortgage Interest Statements
  • FHA Disclosures
  • PMI Disclosures
  • Servicing Notices
  • Privacy Notices

YOUR RIGHT TO WITHDRAW CONSENT

If you consent to receive electronic Disclosures, you have the right to withdraw your consent at any time and revert to receiving paper versions of the Disclosures.

There are three ways you can withdraw your consent:

  • On this web site:
    You may withdraw your consent by logging onto this web site updating your Delivery Preference from "Paperless Statements" to "Mail" under the Delivery Preferences section found within the Account Management/Document Center.
  • By email:
    To withdraw your consent via e-mail, visit www.MortgageQuestions.com and click the “Contact” link in the footer to submit an email request.
  • By contacting Customer Service:
    You may withdraw your consent by contacting our Customer Service Department. Please have your account number ready and be prepared to answer several account security questions when calling.

Your withdrawal will be processed within three (3) business days from the date the request is received.

You will automatically receive written confirmation via email of the date of your withdrawal. In addition, you may request written confirmation of your withdrawal at anytime by contacting our Customer Service Department. There is no fee to withdraw your consent.

HOW TO RECEIVE A PAPER COPY OF A DISCLOSURE

Once you have elected to receive Disclosures electronically you may still request a paper copy. Your request for a paper copy will be treated as a request for a duplicate copy for which you may be charged a reasonable fee. To request a paper copy and to determine whether a duplicate copy fee will be assessed, please contact our Customer Service Department. Requesting a paper copy does not constitute withdrawal of your consent to receive electronic Disclosures.

HOW WE WILL PROVIDE THE DISCLOSURES

We will provide the Disclosures either via email or by making them available on this website or another website designated for that purpose. If the Disclosures are made available on a website, you may be notified by an email alert. The e-mail alert will provide instruction on how to securely access the Disclosure from the website but will not contain private information about the account.

MAINTAINING YOUR EMAIL ADDRESS

You are consenting to receive communications at the e-mail address you provide. You are required to provide us with a valid e-mail address. If your email address changes it is your responsibility to notify us. To update your email address, log into ww.MortgageQuestions.com and find the "Update Email Address" link under Manage Profile.

HARDWARE AND SOFTWARE REQUIREMENTS

To access and retain the Disclosures you will need to have, or to have access to, the following:

  • A computer capable of accessing the Internet, sending and receiving e-mails and viewing the e-mails and Disclosures that will be provided electronically
  • An internet browser that supports 128 bit encryption
  • Adobe® Reader®
  • Sufficient storage capacity either on the computer's hard drive or other data storage unit
  • An account with an internet service provider or some other way to access the internet and a valid email address that is capable of receiving emails that contain embedded hyperlinks
  • A valid email account and email software
  • A printer or some other way to create a physical copy of a Disclosure (if desired)

TERMINATION OR CHANGES IN SERVICE

We reserve the right, at our sole discretion, to stop providing Disclosures electronically or to change any of the terms and conditions under which we provide electronic Disclosures. For accounts that are in default or subject to the automatic stay in bankruptcy, we may, at our sole option, elect to discontinue delivering electronic Disclosures. We will notify you of any such termination or changes in service as required by law.

CONSENT

By selecting the "Paperless Statement" delivery preference option, and agreeing to these Terms and Conditions, you acknowledge that:

  1. You have read, understand and agree to the Terms and Conditions for Receipt of Electronic Notices and Disclosures;
  2. You are providing your affirmative consent to receive Disclosures in electronic format;
  3. You have provided us with your current e-mail address and that you will update your account information if your email address changes;
  4. Your computer meets the hardware and software requirements outlined under the above referenced Hardware and Software Requirements section.