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The taxing authority sends a supplemental bill when a property assessment results in a change in the tax amount. This may occur when the property is assessed during the purchase process or after you make improvements to the property, such as new construction.

The following states have supplemental taxes: California, Connecticut (called C/O or certificate of occupancy bills), Idaho, Nevada, New Jersey (added assessments), Ohio, Pennsylvania (interim bills), and Virginia. 

Note: We do not pay occupational taxes given to homeowners in Pennsylvania.

Supplemental tax bills are not part of the real estate taxes, so they are the homeowner's responsibility.  For example, the state of California will only send the supplemental tax bill directly to the homeowner. 

If supplemental taxes become severely delinquent and are considered a threat to our interest in the property, we will pay them as a one-time disbursement from escrow. We will then include the amount we advanced in the next escrow analysis.

Supplemental taxes vary by state and county.

If the account is escrowed for taxes, we pay the amount reported by your taxing authority. Please contact your taxing authority to be sure that they do not request payment during the deferral period.

To request removal of the escrow account, complete this form and return it to us by email or mail. Once we receive your request, we will review and notify you in writing if the account meets the eligibility criteria to have the escrow account removed. Please continue to make the escrow payment until you receive confirmation of the escrow account removal.  Learn more in our Escrow Education Center.

You can request PMI cancellation by:

• Emailing us at customercare@mortgagefamily.com
• Calling us at 1-800-449-8767

Once we receive your request, we will mail you the specific requirements for your account.

If you took out an FHA loan after June 3, 2013, generally, the MIP cannot be canceled. If you took out an FHA loan before June 3, 2013, you may be able to cancel the MIP early.  

Requirements can vary, so the best way to get the right information for your account is to contact us. We'll be happy to walk you through the steps. 

Mortgage insurance is required for FHA loans and is referred to as mortgage insurance premium (MIP). MIP protects the mortgage investor if the account becomes past due.

If a financial hardship is affecting your ability to make your mortgage payments, we are here to help. Onity Mortgage is The Leader in Loss Mitigation!®. Our specialists will review your situation and determine the best available assistance option for you. This assistance could include any of the following:

• Repayment
• Forbearance
• Loan modification
• Short sale or pre-foreclosure sale
• Deed in lieu of foreclosure
• Partial claim

 

If you've experienced a financial hardship.

Click here to be taken to our Homeowner's Assistance page to get started.  A Mortgage Assistance Application can also be completed by contacting our Customer Care Center toll-free at 1-800-449-8767, Monday through Friday, 8:00 am to 9:00 pm EST and Saturday 8:00 am to 5:00 pm EST.

Click here to learn more about our assistance options or visit www.fanniemae.com for additional information.