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Once-a-Month or Biweekly Payments
You can cancel once-a-month or biweekly Autopay anytime through our website. Just log in to your account, head to the Payment section and click on the Autopay link to make changes.

Still need help? We're here for you - just contact us!  

Twice-a-Month Payments
You can cancel twice-a-month payments up to three business days before your draft date by giving our Customer Care Team a call at 1-800-449-8767. We'll be happy to assist you and make the process easy. 
 

Multiple incorrect login attempts may lock your account. Click here to log in - and choose 'Forgot Password'. Provide the username, Social Security Number and the registered email address. You will receive a temporary password through the email address on file. 

Log in using the temporary password and existing username. On the next 'Change Password' page - In put the temporary password as the "Old password" and create a new password with the below requirements:

- Must be 8 to 30 characters
- Must use upper and lower-case letters
- Must include at least one number
- Must include at least one of the following special characters (!#$%()^*@!)"
- Must not include username
 

If you wish to request information or let us know of an error relating to the servicing of your mortgage loan, please use the address below and include your name, account number, property address and a statement of either the information you are requesting or the error you believe has occurred.

Onity Mortgage
PO Box 24695
West Palm Beach, FL  33416

Learn more about when you'll receive your Form 1098 or refer to the Taxes and Year-End Frequently Asked Questions for more details. 

If your account is paid off before your scheduled draft date, no worries - the Autopay will cancel automatically. However, if your payment is still in transit and your draft date is approaching, we recommend canceling the draft to avoid a duplicate payment. 

Please note: If your regular mortgage payment is due before the payoff is completed, you're still responsible for making that payment. 

Once-a-Month or Biweekly Payments
You can cancel once-a-month or biweekly Autopay anytime through our website. Just log in to your account, head to the Payment section and click on the Autopay link to make changes.

Still need help? We're here for you - just contact us! 

Twice-a-Month Payments
You can cancel twice-a-month payments up to three business days before the draft date by giving our Customer Care Team a call at 1-800-449-8767. We'll be happy to assist you and make the process easy. 

 

If you chose email, double-check that you entered a valid email addres and take a quick look in your Junk or Spam folder - sometimes messages get filtered there. 

If you selected text message, make sure you're using a U.S.-based mobile number that can receive SMS messages. 

Still not working? We're here to help - just reach out to our Web Support Team at 1-833-862-0732.

Learn what’s included in the management of your escrow account.

Onity Mortgage and its employees are here to help as you recover from the devastation caused by the recent hurricanes.

Yes, PMI may be canceled in certain circumstances.

Automatic Termination 
If you’re required to carry PMI, we’ll cancel it automatically when your loan-to-value (LTV) ratio is scheduled to reach 78%. The LTV ratio is the difference between the loan amount and the original market value of the home.

LTV Example: If you borrow $88,000 to buy a house valued at $100,000, your loan-to-value ratio is 88%. ($88,000 /$100,000 = 0.88, or 88%).

Based on the original home value, we’ll project the date when your LTV will reach 78%, and we’ll plan to cancel your PMI on that date.

Early Cancellation
You can request early cancellation of PMI before the automatic cancellation date. Each mortgage investor has different requirements for canceling PMI early.

• In most cases, the property must reach at least an 80% LTV. 
• If you obtained your loan less than two years ago, your investor may require a list of substantial improvements to evaluate the PMI cancellation request. You must have a description of the improvement, the date it occurred, and the associated cost.
• A home valuation may be required to determine your equity amount. The cost of the valuation will be your responsibility. We will let you know if a valuation is required along with the costs and steps to have the valuation completed.
• You must be current on your loan payments. You cannot have been more than 30 days past due in the last year or more than 60 days past due in the last two years.

You may receive more than one IRS tax form if any of the following occurred during the tax year:

• Loan transfer: If your loan was transferred to a new servicer, you'll receive a statement from both your previous and current servicers, each covering the period they serviced your loan. 
• Refinance: If you refinanced your loan, you'll receive separate statements for each loan number - one for the original loan and one for the new loan. 
• Assumption: If there was a change in borrowers due to a loan assumption, a separate statement may be issued. 
• Corrected form: If the CORRECTED box is checked, it means updates were made to previously reported values. Always refer to the most recent version of the form. 

Statement are mailed or posted online by January 31 or the next business day.