Loan Customer Welcome Information

Important Information, Forms & Frequently Asked Questions

If you would like to speak to a Customer Service Representative, please call (800) 266-7661 or send an email to service@fnba.com

Loan Customer FAQs

How to Contact Us and Our Hours

What is your e-mail address to send requests? service@fnba.com

What are your hours and phone numbers?

Customer Service Phone: (800) 266-7661

Fax: (517) 336-0497

Monday through Friday – 8:00AM to 5:30PM (Eastern Time)

Saturday – 9:00AM to 1:00PM (Eastern Time)

Credit Services (Payment issues) Phone: (800) 642-4578

Monday through Friday – 8:00AM to 9:00PM (Eastern Time)

Saturday – 9:00AM to 3:00PM

Insurance Phone: (800) 266-7661

Fax: (517) 336-0497

Monday through Friday – 8:00AM to 5:00PM (Eastern Time)

Taxes and Escrow Phone: (800) 266-7661

Fax: (517) 336-0497

Monday through Friday – 8:00AM to 5:00PM (Eastern Time)

Problems Making a Payment?

What if I can no longer afford my home and/or don’t want to keep it?

We have a number of options available. To discuss these options, please call (800) 642-4578 to speak with a customer representative.

What if I start having financial problems and can’t make my payment in a timely manner?

If you are having financial difficulties, it is always best to make us aware of your situation. We may have a payment program available to help you through your financial hardship. To learn more, call (800) 642-4578 to speak with a customer representative.

What if my loan is in foreclosure and I want to reinstate my mortgage?

You can reinstate your mortgage at any time up to the foreclosure sale date if you pay all past due payments plus any fees and costs associated with the foreclosure. There are a few states, such as Michigan, where the mortgagor can redeem the property after the Sheriff’s sale date. Redemption of the property requires a total due payment to a court official. The total due payment is the amount established by the foreclosure action.

My spouse is obligated to make the mortgage payments under our divorce agreement. Am I still liable?

If you signed the contract, you are still liable for the payments. A divorce agreement does not alter your obligation to make payments.

If I deeded my interest in the property to my spouse or someone else, does this remove any liability?

No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your contract and mortgage.

General Information

What is your overnight mailing address?
(Dept. or Contact Name)
First National bank of America
241 East Saginaw Street
East Lansing, MI 48823

What is your e-mail address to send requests?
service@fnba.com

When can I contact First National?
Customer Service
Phone: (800) 266-7661
Fax: (517) 336-0497
Monday through Friday – 8:00AM to 5:30PM (Eastern Time)
Saturday – 9:00AM to 1:00PM (Eastern Time)

Credit Services (Payment Issues)
Phone: (800) 642-4578
Monday through Thursday – 9:00AM to 9:00PM (Eastern Time)
Friday – 9:00AM to 6:00PM
Saturday – 9:00AM to 1:00PM

Insurance
Phone: (800) 266-7661
Fax: (517) 336-0497
Monday through Friday – 8:00AM to 5:00PM (Eastern Time)

Taxes and Escrow
Phone: (800) 266-7661
Fax: (517) 336-0497
Monday through Friday – 8:00AM to 5:00PM (Eastern Time)

What do I do if a name needs to be changed on my loan due to marriage, divorce, and death?
All name changes must be requested in writing along with supporting legal documentation such as a divorce decree, recorded deed, a marriage certificate or a death certificate. Send the request to:
Attn: Customer Service
First National bank of America
PO Box 980
East Lansing, MI 48826

What should I do if I want to have someone call on my behalf for information on my loan?
If the other person’s name is not listed on the note, we do require customer authorization in writing before we can release any information. Fax the request to (517) 336-0497 or to email your request.CLICK HERE to email your request. The restriction could include a spouse that is not on the note but pays the mortgage every month. The restriction on sharing information is designed to protect your identity from unwanted inquiries into your private information.

How do I change my address?
Any address changes must be made in writing. An address change cannot be made over the telephone for security purposes. To change your address either submit a note with the new address when you make your next payment or mark on the left corner of the invoice return envelope marked: “Please note address change”. You may also change your address via email by CLICKING HERE to send an email with the proper information or CLICK HERE to print a copy of a “change of address request form” that you can complete and mail to First National.

What is the difference between a typical mortgage and a land contract?
A land contact is a property installment selling agreement whereby the purchaser may occupy and use the land, but no deed is given by the seller until a specified part of the sales price has been paid. For a typical mortgage, the borrower is deeded the property and signs a legal document pledging their property as security in order to obtain a loan.

My spouse is obligated to make the mortgage payments under our Divorce Agreement. Am I still liable?
If you signed the note and mortgage, you are still liable for the payments. A divorce agreement does not alter your obligation to make payments.

If I deeded my interest in the property to my spouse or someone else, does this remove any liability?
No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your note and mortgage.

Taxes

I am escrowed for taxes and I received a tax bill. What do I do?
If you have an escrow account, we will pay your real estate taxes for you using your escrow account. Please send us your tax bills if you receive them. It is your responsibility to pay non-real estate bills (such as water, sewer, or solid waste) or any other supplemental tax bills that are not included in the regular real estate bill.
Please forward the tax bill to: First National Bank of America Attn: Tax Department P.O. Box 980 East Lansing, MI 48826

What should I do if my tax payments are not escrowed?
If you do not have an escrow account, you are responsible for paying your property taxes directly. You are expected to pay the full amount of the taxes owed on or before the date they are due. Once you have paid your property tax bill please forward a copy of the payment receipt to:
First National Bank of America Attn: Tax Department P.O. Box 980 East Lansing, MI 48826

I would like to have First National Bank of America Company set up an escrow for taxes and/or insurance. What should I do?
If you wish to establish an escrow account, contact our Escrow Department at: (800)266-7661.

I just received my escrow analysis. Why did my monthly escrow payment increase?
An escrow payment is increased after an escrow analysis has been performed by First National in which the property tax or hazard insurance amounts have increased from the previous year. First National pays your taxes and/or insurance in the amount billed by your tax collector or insurance company. Please contact your local tax collector or insurance company for information pertaining to tax amounts, increases or decreases, assessed values, tax rates, copies of your tax receipts and insurance premium information.

What is a Homestead Exemption? How do I qualify?
A homestead exemption is granted by the county tax department. It may reduce the property taxes paid by the property owner. You may be eligible for a Homestead Exemption depending on your age and where you live. Call your tax collector to determine if you qualify and how to apply. First National cannot apply for you. If you do qualify, please send a copy of the completed homestead exemption form to:
First National Bank of America
Attn: Tax Department
P.O. Box 980
East Lansing, MI 48826

Insurance

What is a tax and/or insurance escrow?
A tax and/or insurance escrow is an agreement between the lender and borrower where the borrower pays monthly into an account an amount equal to 1/12th the total property tax and/or hazard insurance premium due for a 12 month period plus a two month cushion, which helps offset any future tax and/or insurance increases.  The escrow account is administered by the lender and is most often a non-interest bearing account. The escrow funds are disbursed by the lender for payment of property tax and hazard insurance premiums when due.

What are the Escrow Services Department hours?
Escrow specialists are available Monday through Friday from 8AM to 5PM.

I would like to have First National Bank of America set up an escrow for taxes and/or insurance. What do I do?
If you wish to establish an escrow account, contact our Escrow Department at: (800)266-7661.

I just received my escrow analysis. Why did my monthly escrow payment increase?
An escrow payment is increased after an escrow analysis has been performed by First National in which the property tax or hazard insurance amounts have increased from the previous year. First National pays your taxes and/or insurance in the amount billed by your tax collector or insurance company. Please contact your local tax collector or insurance company for information pertaining to tax amounts, increases or decreases, assessed values, tax rates, copies of your tax receipts and insurance premium information.

What is a CPI fee?
Current property insurance is required to be on file for most loans. If your insurance changes in any way, please send a copy of the new policy to us. If we do not have evidence of active property insurance on file, we may obtain coverage on the current balance due only, (called Collateral Protection Insurance or ‘CPI’) from an agency of our choice and your account will be charged accordingly.

Where is the CPI Fee and CPI Premium listed on my invoice? The CPI premium is listed on the front of your monthly invoice as collateral protection insurance due. The amount listed is the premium for the month. The monthly CPI fee, currently $8.50, is discussed on the reverse side of your monthly invoice. Any unpaid CPI fees accumulate on the front of your monthly invoice as part of the outstanding fees due amount.

I have my own insurance, so why am I being charged a CPI (collateral protection insurance) fee?
If you have a current hazard insurance policy it is possible to discontinue the “CPI” charges. To show that you have a current hazard insurance policy, contact your insurance provider. Ask your insurance company to fax a copy of the “declaration” page or proof of insurance to (517)336-0497. Make sure they list First National Bank of America as the mortgagee. Please allow 2-3 days for this information to be updated before calling to verify receipt. The CPI fee may be removed if you provide sufficient proof that you had insurance in affect when the CPI fee was assessed.

My insurance company wants the “mortgagee clause” to add to the declaration page of my insurance policy. What is it?
FNBA-ISAOA/ATIMA
P.O. Box 980
East Lansing, MI 48826

My property was damaged, what should I do?
1. Contact your insurance company to begin the claims process and notify First National’s Insurance Department at (800)266-7661.
2. If your property is covered through First National’s Collateral Protection Insurance contact First National’s Insurance Department at (800)266-7661 to begin the claims process.

I had to make a claim against my Homeowners Insurance. What should I do with the check?
Follow this Insurance Claim Checklist:
1. Send in insurance claim check endorsed by you.
2. Send or fax a copy of the insurance claim to First National.
3. Send or fax a copy of the adjuster’s estimate.
4. What is the plan for repair or rebuild?

If the work is to be done by your self:
a. Payments must be up to date on your account.
b. Up to 1/3 of funds will be disbursed upfront to begin work.
c. You must provide pictures (before, during, and after) and receipts to show work completed for disbursement of funds.
d. Disbursement Checks will be sent payable to borrower.

If the work is being done by a contractor:
a. Payments must be up to date on your account
b. Send a copy of the Contractors estimate
c. Up to ½ of funds will be disbursed for the contractor to begin work. The check will be sent to the borrower and will be payable to the borrower and the contractor.
d. You must provide pictures (before, during, and after) and receipts to show work completed for disbursement of funds.
e. When the work is complete, the contractor must sign a “Lien Waiver”
f. Borrower must sign a “Statement of Satisfaction” when the work is complete.
g. Final Disbursement checks for contractor’s work will be payable to the borrower and the contractor with the check being sent to the borrower. Please call our insurance department for assistance at: (800)266-7661 ext. 8960

Year End Reporting

When will I receive my year-end interest statement?
IRS guidelines require that annual interest reporting, known as form 1098, be post-marked no later than January 31st. We will notify you of the amount of interest you paid on your real estate note, as well as the tax premiums First National paid from your escrow account during the prior calendar year. This statement should be retained for your tax records. Your annual statement will be sent to the address on our records as of December 31st. Please notify us prior to that date if your mailing address has changed.

I live in Texas. When will I receive my statement for year-end reporting?
Texas state law requires annual accounting statements be post-marked no later than January 31st. We will notify you of the amount of interest you paid on your real estate note, as well as the tax and insurance premiums First National paid from your escrow account during the prior calendar year. In addition, a Notice of Annual Accounting Statement is prepared for certain account types in Texas according to state law. It should be retained for your tax records. Please contact Customer Service to find out if your note qualifies. Your annual statement will be sent to the address on our records as of December 31st. Please notify us prior to that date if your mailing address has changed.

Payments

When are my payments due?
Your payment due date was established when you originated your loan. It is stated in your contract. Some borrowers have due dates other than the first of the month, so it is a good idea to look at your note to see which day your payment is due.

Is it possible to change my current due date?
A change in the due date can only be done once in the life of the loan. The first step is to complete and submit a written form to:
Attn: Customer Service
First National Bank of America
PO Box 980
East Lansing, MI 48826
The loan must be current before any changes can be made. There is a one-time charge collected before changing your due date for the interest between your old due date and your new due date.  CLICK HERE
Please be sure to include your account number.

How do I change my address?
Any address changes must be made in writing. An address change cannot be made over the telephone for security purposes. To change your address either submit a written request with the new address with your next payment or mark on the left corner of the invoice return envelope marked: “Please note address change”. CLICK HERE  or CLICK HERE to email your request.
Please be sure to include:
1. Your Account Number
2. Your old address
3. Your new address

What are the ways I can make a payment?
Pay online
Access FNBA.com or FNACUSA.com
Select “Make Your Loan Payment On The Internet
There is a $2.00 service fee

Your payment can be sent by regular mail to:
Attn: Payment Processing
First National Bank of America
PO Box 980
East Lansing, MI 48826
Please include your First National account number.

Overnight/express mail can be sent to:
Attn: Payment Processing
First National Bank of America
241 East Saginaw
East Lansing, MI 48823
Please include your First National account number.

Western Union Quick Collect:

Find a near by Western Union Quick Collect Agent Location at www.westernunion.com or by calling 1-800-325-6000.  Complete the blue Quick Collect Form at the location.

  • Pay to: FNBA
  • Code city:  Palace
  • State:  MI
  • Include your Account Number

There is a service fee of $13.95.

MoneyGram Express Payment:

Call 1-800-Moneygram to find the MoneyGram agent location closest to you

Pay by phone:
Our (888) PAY-FNBA or (888) 729-3622 phone pay hotline is available 24 hours, 7 days a week. The Access Code needed – 50653788. Please have a copy of your Routing number and Checking or Savings* account ready upon request. The fee will be $5.
* Debit cards are not accepted at this time.

At our bank branch:
Local customers can make payments at our branch located at:
241 East Saginaw Street
East Lansing, MI

Automatic Payment:
Automatic payment can be set up using our AutoPay service. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800) 266-7661 ext. 8904, or CLICK HERE 

Can I make a payment over the phone?
First National does accept payment via check over the phone. The fee for this service is $5.00 and the fee will be added to the total taken from your checking or savings account. If you are not the signer on the checking account, we will not accept the phone pay without written consent from the signatory.
To pay by phone you must provide the account number and routing number for your bank account when calling. When you have the required account information just call (800) 266-7661, Ext. 8904 to make a payment.

I don’t have an invoice. How do I make my payment?
You may send your payment to:
Attn: Payment Processing
First National Bank of America
P.O. Box 980
East Lansing, MI 48826
(Please include your account number on the bottom of your check.)

I never received my invoice, so why must I pay the monthly payment?
First National provides a monthly invoice for your convenience. However, it is your responsibility to make every payment on time whether or not you receive an invoice. If you need to make other payment arrangements, you may call our credit service department at: (800) 642-4578 between the hours of:
8AM and 9PM Eastern Time on Monday
9AM-9PM Tues, Wed. & Thurs.
8AM-6PM on Friday
and 9AM-1PM on Saturday.

I want to wire my payment. How should I do this?
Just call: (800) 266-7661, ext 8904 and we will give you the proper instructions.

How do I sign up for AUTOMATIC PAYMENT if I want my monthly payment deducted automatically from my checking or savings account?
If you elect to have your payments automatically deducted from a bank account, you must complete an “AutoPay” form.
You may call customer service at: (800)266-7661 ext. 8904 to receive the form or CLICK HERE to print the form and mail it to First National.

What is your overnight mailing address?
(Dept. or Contact Name)
First National Bank of America
241 East Saginaw Street
East Lansing, MI 48823

Will you accept less than the total amount due?
Generally it is not our policy to accept partial payments without prior arrangements. Rather than making a partial payment, please call (800) 642-4578 to speak to a customer counselor. We may have a program available to you that will permit a period of delay or forbearance.

Do I have a “grace period”?
Although payments are considered past due if not received by the due date, most notes provide a period of time after the due date for payments to be received before a late charge is assessed. Grace periods and late fees can only be charged according to the terms of your note. To avoid the risk of damage to your credit or the assessment of a late charge, it is recommended that every effort be made to ensure your payment is received by the due date.  making payment consistently during the grace period is still costing you even though a late charge is not assessed.  Payments on or before the due date will assure that the loan will properly amortize as we collect all unpaid accrued interest before the loan principal is reduced.  Paying during the grace period means more interest will be paid and the principal reduction will be less.

How much time should I allow for my payment to reach First National Bank of America?
It is a good idea to allow seven to ten days for receipt of payment, particularly during holidays when mail volumes are heavy. If you don’t feel your payment will reach our office in time, please call (800) 642-4578 to ask about other more immediate payment options.
To avoid a late payment, First National offers an Automatic Payment option that will make your payment through a withdrawal from the bank account of your choice. Contact our customer service department for more information.

Late Charges

If my due date is different than the 1st of the month, when would a late charge be assessed?
Late fees are assessed according to the terms of your note. Please refer to your loan documents to determine how many days you have between your due date and the late charge assessment date.

If my contract has a 15-day “grace” period, when would a late charge be assessed?
Late charges are assessed at the end of the day the 16th day after your due date. For example: If your payment is due on the 1st of the month, a late fee will be charged as of the end of the day on the 16th.

How much time should I allow for my payment to reach First National Acceptance Company?
It is a good idea to allow seven to ten days for receipt of payment, particularly during holidays when mail volumes are heavy. If you don’t feel your payment will reach our office in time, please call (800) 642-4578 to ask about other more immediate payment options. To avoid a late payment, First National offers an Automatic Payment option where your payment is paid from the bank account of your choice. Contact our Customer Service department for more information.

Payoff Request

How do I request a payoff for my account?
Contact our customer service department at (800)266-7661 or via email at service@fnba.com, Monday through Friday, 8:00 AM to 5:30 PM EST and Saturday from 9 AM to 1 PM EST. Payoff letters can be calculated up to 30 days in advance. We will mail a letter, free of charge, or will fax a letter or provide a verbal quote for a $10.00 fee that can be added to your account balance
If you need the payoff letter faxed to a title company, financial institution, attorney, or other party, we will require written authorization from you approving the fax fee (if the letter is faxed) and permitting us to release that information to that party.

Why do you need my written authorization to send a fax or verification of mortgage? Is there a fee?
Any documents sent via fax require written authorization to insure that your privacy is protected. Your written authorization is also required before the $10 fax fee and/or $10 Verification Of Mortgage (VOM) fee can be assessed. To avoid any fees you may request to have the same information mailed to your home address with no additional fees. Please fax the form to (517)336-0497.

How long is the payoff amount good for?
A payoff amount can only be dated 30 days from the date of request.

Do I have to call and confirm the amount before sending funds?
Please contact customer service to verify the payoff amount before sending payoff funds. The payoff amount should be verified the day the payoff funds are received. It is possible that additional fess may have accrued since the initial payoff amount was quoted. A payoff must be updated within 30 days to be covered under the same $10 fax fee. If you request an update via fax after the 30 days has lapsed, there will be an additional $10 fax fee. To avoid any fees you may request to have the same information mailed to your home address with no additional fees.
CLICK HERE to request a payoff amount via email.

How long does it take to receive a payoff amount or verification of mortgage?
Generally, it is only a 24-48 hour turnaround time for payoff requests.

I want to wire my payment. How should I do this?
Just call (800) 266-7661 and we will give you the proper instructions.

Invoices

I don’t have an invoice. How do I make my payment?
Pay online
Access FNBA.com or FNACUSA.com
Select “Make Your Loan Payment On The Internet
there is a $2.00 service fee

You may send your payment by regular mail to:
Attn: Payment Processing
First National Bank of America
P.O. Box 980
East Lansing, MI 48826
(Please include your account number on the bottom of your check.)

Overnight/express mail can be sent to:
Attn: Payment Processing
First National Bank of America
241 East Saginaw
East Lansing MI 48823

Western Union Quick Collect
at any Western Union service provider.

Pay by phone:
Call our customer service department at (800) 266-7661
You will need a blank check, and the bank routing numbers on the bottom edge of the check. There is a $5.00 fee to pay by phone.

At our bank branch:
Local customers can make payments at our branch located at:
241 East Saginaw Street
East Lansing, MI

Automatic Payment:
Automatic payment can be set up using our Auto Pay service. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800) 266-7661 ext. 8904, or
CLICK HERE to print the form and mail it to First National.to print the form.

I never received my invoice, so why must I pay the monthly payment?
First National provides a monthly invoice to better serve you. However, it is the borrower’s responsibility to make every payment on time whether or not an invoice has been received. If you need to make other payment arrangements, you may call our credit service department at (800) 642-4578

Paid Off Accounts

My account is now paid off. When do I get my deed?
The location of the property determines when the deed is prepared. Warranty Deeds, Discharge of Mortgages, etc. are sent to the county register of deeds for recording. The county will return this document to you via regular mail or may send it back to First National Bank of America who will then forward it to you. Sometimes the county will not record a document if there are back taxes owing. In this case, it would be the responsibility of the customer to pay the back taxes and pay for the recording fees. If a document is lost and a new deed needs to be prepared, there is a $25.00 processing fee to re-create the document.

What should I do if my paid off Account with First National is showing up on title work years later?
Please fax the entire title commitment including the old account number that you had with First National Bank of America to the ‘Lien Release Department’ at (517)336-0497. If it is found that First National already provided the document at one time, there will be a $25.00 processing fee for re-creating that document.

What should I do if I want the discharge/release recorded in someone else’s name?
First National can only discharge the document with the name used when the original document (land contract, mortgage…etc.) was recorded.

What should I do if I lost my original recorded release document?
The county in which the property is located has records of recorded documents and you can obtain a copy from the Register of Deeds.

Loan Assumptions

What is a loan assumption?
An assumption is a transaction in which a person takes over responsibility for the loan exactly as it is. The terms, interest rate, principal balance, and monthly payments do not change. The new owner takes over payments on the existing loan and pays the seller the difference between the sales price and the balance on the loan. The monthly payments are made without lapse.

Can someone else assume my loan (take over payments)?
An “informal” assumption takes place when someone other than the purchaser takes over the obligation of a contract. This “informal” assumption does not release the financial obligation of the current purchaser. The original purchaser is still responsible for making payments if the new purchaser fails to pay or defaults on the contract. Permission from the original note holder may be required before the assumption process starts. This would release the current purchaser from the obligation to pay. There is no approval process or credit decision made with these types of assumptions. As long as the new buyer provides us with the information needed and the processing fees, we will change the purchaser names in our computer system. This is because the original purchaser still maintains the obligation to pay if the new purchaser defaults on the loan. If someone wants to assume your mortgage with a “due on sale” clause, the note must be re-written by our mortgage services department.

Balloon Payments

What is a Balloon payment?
Some real estate notes contain a balloon clause that requires the borrower to make a large lump sum payment at a time that is earlier than the time for which the loan is amortized. For example, a loan or contract may be spread over a thirty year period but requires that at the end of the tenth year the entire remaining balance must be paid. For most balloon loans the loan balance due at the balloon date may be refinanced at the prevailing interest rate. Contact our Mortgage Services Department at (800) 879-1009, ext. 8915.

I just received a balloon letter, who do I contact if I have questions?
Please call our mortgage service department at: (800)879-1009 ext. 8915 to discuss your options.

Making Payments on the Internet

What’s the difference between paying on line and auto pay?
Auto Pay is First National’s scheduled automatic draft of your banking account.
Payment by web is a service allowing you to make a payment on line at the time of your choosing. Payments can be scheduled singly or recurring.

Can I choose the date my bank account is drafted?
You can select the date your account is drafted, but keep in mind your contractual due date and late fee date, if applicable.

Will payments reoccur, or do I have to visit the site monthly?
You can select recurring payments for most accounts, or visit the site monthly to schedule your payment.

If my payment is due on the 6th, and I make a payment by web on the 6th, will the payment be late?
Yes. Payments must be scheduled by 12:00 pm EST on the day prior to date you want the payment to be credited to your account. For example, a payment scheduled at 10:00 am EST on Tuesday will be credited on Wednesday. A payment scheduled at 2:00 pm EST on Tuesday will be credited on Thursday. Although you may schedule a payment 24 hours per day payments are processed only during work hours.

How do I cancel a payment by web?
Scheduled payments must be canceled by noon the day they are scheduled. You must cancel the payment on the web site. Canceling or changing a payment will cancel all subsequent payments. You will have to reinitiate recurring payments.

Can I change my payment method after I’ve scheduled a payment?
It depends on when you scheduled your payment. If you schedule a payment at 10:00 am EST on March 31, you can cancel that payment up to 12:00 pm EST on March 31. If you scheduled a future payment, it must be canceled by 12:00 pm EST of the day before the scheduled payment date. For example, a payment scheduled on March 31 to be credit on April 2 would have to be canceled by 12:00 pm EST on April 1.

Will I receive written confirmation of my payment by web?
Once a payment is scheduled, you can print the confirmation number. Each scheduled recurring payment will not have a specific confirmation number.

How much does payment by web cost? We charge a $2.00 processing fee. This processing fee will be automatically added to your scheduled payment. Contact the financial institution of your deposit account to verify if they will assess any additional charges.

What if I forget my password?
For privacy purposes, we cannot reset your password. The website offers the option to change your password. The website will prompt you for specific information to provide your password.

Why are you requesting my email address? It enables us to track daily web payment transactions and identify our customers. We will not sell your email address, or use it for solicitations. It is not a required field.

What if my payment is returned as NSF? First National Bank of America assesses a NSF fee for all returned payments. The financial institution of your deposit account may assess additional fees.

What is Loss Mitigation?

What is Loss Mitigation?

If you are experiencing financial difficulty and are behind in your loan payments please call First National Bank of America to learn more about potential loss mitigation options and for instructions on how to apply.    A Credit Services Representative can be reached at (800) 642-4578 between the hours of 8 a.m. to 9 p.m. Monday through Friday and 9 a.m. to 3 p.m. Saturday, Eastern Time.  The longer you wait, or the further you fall behind on your payments, the harder it may be to find a solution.

The following options may be available to you (most are subject to lender approval):

  • Enrollment in a Forbearance Plan*;
  • Deed in Lieu of Foreclosure*;
  • Refinance your loan with another lender;
  • If you are unable to continue paying your mortgage, your best option may be to find more affordable housing.  As an alternative to foreclosure you may be able to sell your home and use the proceeds to pay off your current loan.

*You may be required to provide the following documents as applicable in order to determine your debt and income.

  • Your most recent tax returns
  • Recent pay stubs or other income verification
  • Recent bank statements

If you need additional help exploring your options, the Federal government provides contact information for housing counselors, which you can access by contacting: www.consumerfinance.gov/mortgagehelp, or www.hud.gov or by calling the HUD Housing Counselor List Telephone Number at (800) 569-4287.