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Yes, if the account is escrowed for insurance and your new insurance provider notifies us of a new policy with an amount due, we will disburse the premium from the escrow account. 

You are responsible for cancelling your previous insurance policy. If you receive a refund from the previous carrier, send it to us to apply to your escrow account. 

You can upload the insurance policy information on www.mycoverageinfo.com/mortgagefamily or email it to MortgageFamily@MyCoverageInfo.com. You can also fax the information to 1-937-525-4210.

To close your HELOC, please complete and sign the Authorization to Close Home Equity Line of Credit form and return to the fax or mailing address listed below. Once your account is paid in full and closed, we will automatically process a lien release.

A request to release the lien is not required, but you can send one by email, fax or mail:

Email: CustomerCare@MortgageFamily.com

Fax: 856-917-2700

Mail:
Onity Mortgage
PO Box 24736
Attn: SV24
West Palm Beach, FL 33416

The amount shown in Box 1 - Mortgage Interest Received from Payer(s)/Borrower(s), reflects the mortgage interest amount and late charges received from the payer of record during the tax year. It does not include prepaid interest, or any interest paid using Homeowner Assistance Fund (HAF) resources. It may also include negative amortization (deferred interest) paid. 

If your loan originated during the tax year, Box 1 may include closing interest paid. 

If your loan was paid off during the tax year, Box 1 may also include:

• Shared appreciation amounts
• Default interest paid
• Prepayment penalties
• Balloon payoff fees

Form 1098 is used to report mortgage interest of $600 or more on a single mortgage during the calendar year. 

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 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. 

Click here for more information on recasting and to determine if a recast is right for you.

Click here for more information on recasting and to determine if a recast is right for you.

All change requests must be submitted in writing. Follow the steps below to submit a change to the designated disbursement account:

1. Complete the HELOC Disbursement Account Form
2. Provide a copy of a voided check from the new bank account you are designating as your disbursement account.   
3. Allow 2 business days for the request to be processed. 
4. A valid email address must be on file to receive immediate notification of requests and changes. Once the request is processed a confirmation email and letter will be sent.

Yes, the website allows users to register with either a Social Security Number, or EIN/TIN Number. On the registration screen, under Find Your Account - simply select the type of identification you would like to register with and enter it in the required field.

If you're sure your credentials are correct but you're still unable to register, try the following steps:

1. Close any duplicate browser windows or tabs that may be open. 
2. Clear your browser cache to remove any stored data that might be interfering. 
3. Relaunch your browser and attempt to register again. 

If the issue persists, our Web Support Team is here to help. Please call us at 1-833-862-0732 for further assistance.