Existing Loan FAQs

Account Information

How do I access my account online?

Click here to access your “Existing Loan Information” and follow the prompts.

What tools are available online?

Our Online Mortgage Center lets you manage your mortgage loan online—24 hours a day, 7 days a week.

  • Pay your mortgage.
  • Review payment history, loan balances, and general mortgage information.
  • Update account information.
  • Access your 1098 information for tax purposes.

What should I do if I forget my password?

Click here to access the “Forgot Password” link. You will be prompted to enter your username, loan number and social security number. You must then create a new password.

What should I do if I forget my username?

Click here to access the “Forgot Username” link. You will be asked to enter your loan number and social security number. You will be provided with your user name and prompted to create a new password.

Automatic Payment Withdrawal

How does the ACH/Auto Pay/Draft program work?

You can apply for the Auto Pay service online. Have your checking or savings account information ready when you begin. Click here to initiate a payment.

  • Log on with your username and password
  • Click “Payment Options”
  • Click “Auto-Pay – Recurring Draft” and follow the step-by-step instructions.
  • You have the option of selecting a recurring draft date or choosing a non-recurring draft date by selecting “This Month’s Payments”. This is a one-time authorization and must be completed each time you wish to make a payment.

The exact amount of your monthly mortgage payment (and, if requested, additional principal payments) will be electronically transferred to CUC Mortgage Corporation by your financial institution and credited to your mortgage loan within three business days.

What happens if I do not have enough funds to cover my automatic withdrawal payments?

Like a paper check, your automatic withdrawal will be returned as non-sufficient funds.

To Pay Off Your Mortgage

How do I request a payoff statement? If you are a borrower, you may click here and select “Payoff Request”.

You may also request a payoff by contacting our Loan Servicing Department at (800) 342-4998 or send a written request to:

CUC Mortgage Department
Attention: Servicing Department
PO Box 12670
Albany, NY 12212-2670

Or email us at estatus@cucmortgage.com

Please include in your payoff request your loan number, name and estimated payoff date. If you would like the payoff statement faxed, please also include your fax number.

Do payoff figures need to be verified at closing?

If payments were posted to or removed from the account after the payoff statement was ordered, the amount due will change. If payoff funds are received after the date the payoff statement expires, the interest amount due will be different. You should contact our Loan Servicing Department at (800) 342-4998 on the day of closing to verify the payoff figures.

What happens to the funds in my escrow account?

Any funds remaining in your escrow account will be subtracted from the payoff amount. If you have a negative balance in your escrow account, the negative balance will be added to the amount due.

What are the acceptable forms of payment for paying off my loan?

A certified check, cashier’s check, member-to-member share transfer1 or wire are the only acceptable forms of payment for paying off a loan. Personal checks are not acceptable. When the payoff funds are sent, please include your name, loan number and a copy of the Payoff Statement.

Your Payoff Statement will include instructions for remitting the necessary funds to pay your loan in full. Before paying off your loan, it is important that you call our Loan Servicing Department at (800) 342-4998 to confirm the funds necessary to pay your loan in full.

1 Please see your Credit Union for transferring funds via member-to-member share transfer.

Where do I mail my payoff funds?

Please overnight the payoff funds to: CUC Mortgage Corporation
Attention: Servicing Department
1021 Watervliet-Shaker Road
Albany, NY 12205

Other Loan Servicing FAQs

What fees will I be charged for the servicing of my mortgage?

CUC Mortgage Corporation charges a $20.00 returned check charge.

What happens if my check is returned due to Non-Sufficient Funds (NSF)?

CUC Mortgage Corporation assesses a $20.00 returned check charge for all checks returned for non-payment. In addition to the fee CUC Mortgage Corporation does not redeposit NSF checks. You will need to mail CUC Mortgage a replacement check.

Will CUC Mortgage Corporation charge a fee if my credit union approves a loan modification?

CUC Mortgage Corporation charges $100.00 for loan modifications.

When will I receive my IRS tax forms?

CUC Mortgage Corporation mails the IRS form 1098 and, if applicable, form 1099 to all members no later than January 31. You can also click here to access this information. Log in and select the “See Previous Year End” link under the “Loan Balances” tab. An image of your IRS form(s) will be available under the Statements/Documents tab as soon as it is printed by CUC Mortgage Corporation.

How do I update my phone number, mailing address or email address?

Click here to login to your account. Under the account information tab, click on the “Change Address / Email” link and update your information as needed.

You can also submit a written request to:
CUC Mortgage Corporation
Attention: Servicing Department
PO Box 12670
Albany, NY 12212-2670

Or email us at estatus@cucmortgage.com

How do I contact CUC Mortgage Corporation regarding my existing mortgage loan?

You can contact CUC Mortgage Corporation several ways.

  • By e-mail: estatus@cucmortgage.com
  • By phone: Call (800) 342-4998 and select the Loan Servicing option. Our loan servicing hours are Monday through Friday, 8:30 – 4:30 EST
  • By mail:
    CUC Mortgage Corporation
    Attention: Servicing Department
    PO Box 12670
    Albany, NY 12212-2670