Mortgage Questions
New York Community Bank, a division of Flagstar Bank N.A.
Attn: Cash Processing OH99-0219
1801 East 9th Street, Suite 200
Cleveland OH 44114
New York Community Bank, a division of Flagstar Bank N.A.
Attn: Escrow Department OH99-0219
1801 East 9th Street, Suite 200
Cleveland OH 44114
(Please do not mail any other payments or correspondence to this address
New York Community Bank, a division of Flagstar Bank N.A.
Attn: Payoff Processing OH99-0219
1801 East 9th Street, Suite 200
Cleveland OH 44114
(Please refer to the addresses above to make a payment)
PO Box 91214
Cleveland OH 44101
Hazard, Homeowner, Flood, Wind, Earthquake and Fire Insurance questions should be directed to our Insurance Customer Care Center:
Attn: Loss Draft Department
PO Box 7000
Troy, MI 48007-7000
Phone:(866) 842-2787
Fax:(248) 824-7155
Attn: Tax Department
1801 East 9th Street, Suite 200
Cleveland, OH 44114
Phone:(888) 696-4444
Fax:(216) 583-5202
Attn: Loss Mitigation OH99-0225
1801 East 9th Street, Suite 200
Cleveland, OH 44114
Phone:(888) 696-4444
Phone:(888) 696-4444
Hours (Eastern Time): Monday through Friday 8:00 am - 8:00 pm, Saturday 9:00 am - 5:00 pm
Attn: Partial Release OH99-0225
1801 East 9th Street, Suite 200
Cleveland, OH 44114
Fax:(216) 588-5040
Email: MortgageResearch@mynycb.com
Make a Mortgage Payment Online using another NYCB Account
If you would like to make a payment from a transactional account that you have with NYCB, this can be processed by the following steps within NYCB Online:
- Select Transfers
- Complete the short form
- Click Review
- Confirm the request
Request a Mortgage Payment Online via a Secure Message
Simply log into NYCB Online and send a secure message requesting a regular mortgage payment, extra principal payment, or escrow shortage payment. Note: Your one-time payment request will be processed effective the date of your secure message or the next business day, whichever is earlier. Your financial institution may not reflect this transaction on your deposit account for up to two (2) business days after the request is sent to your financial institution for a transfer of funds. Your secure message must include the following information for the timely and accurate posting of the payment by NYCB:
- Your financial institution's 9-digit Routing Number and Account Number
- The Payment Amount
- The Payment Description (i.e. regular payment, principal payment, etc.)
- Any other details that you would like to provide to ensure that the payment is posted correctly
Mailing Your Payment
Mail your residential mortgage payment to the following address:
New York Community Bank, a division of Flagstar Bank N.A.
Attn: Cash Processing OH99-0219
1801 East 9th Street, Suite 200
Cleveland, OH 44114
For Commercial Mortgage Payments Only
Mail your commercial mortgage payment to the following address:
New York Community Bank, a division of Flagstar Bank N.A.
P.O. Box 9080
Hicksville, NY 11801
You may also Overnight a payment to the following address:
New York Community Bank, a division of Flagstar Bank N.A. / Attn: Lockbox Manager
102 Duffy Avenue, 2nd Floor
Hicksville, NY 11801
Please contact our Home Retention Department at (888) 696-4444.
If a payment made at a branch was not posted to your account as you intended, please mail a stamped teller receipt along with a written explanation to: PO Box 91214 Cleveland, OH 44101
Please contact our Home Retention Department at (888) 696-4444.
The payment must be equal to or greater than the payment due or it will not be posted to your account. It will go to a suspense account and will not advance the due date until additional funds to total a full payment are received. If the difference due is not received before the end of your grace period, late fees may be charged.
- No money will be applied to principal unless the account is current per the terms of the note.
-
If you wish to make extra principal payments separately, mail the payment to us for manual processing at:
New York Community Bank, a division of Flagstar Bank N.A.
Attn: Cash Processing OH99-0219
1801 East 9th Street, Suite 200
Cleveland, OH 44114
- You can also request an extra principal payment via a Secure Message within NYCB Online.
Checks applied to mortgage payments returned NSF are presented a second time prior to being returned. If a check is returned after a payment was marked as paid, the payment will be removed from the account.
Checks returned for any reason will initially be reflected as paid on your account history. The payment will be removed from the account and a letter will be sent to you informing you that the payment was reversed and is still due.
Your one-time payment request will be processed effective the date of your secure message or the next business day, whichever is earlier.
You may send multiple online secure messages and NYCB will process the payments as requested.
At this time we do not offer a bi-weekly payment option to our customers.
If you are a NYCB Online customer, you can access your mortgage account online and view up to six months of payment history by selecting the loan account you would like to view.
- You may also: Call our Customer Contact Center at (888) 696-4444 for assistance
- Send a written request by mail to P. O. Box 91214, Cleveland, OH 44101
- Visit your nearest branch location
- Complete the Address Change form on the back of your payment coupon
Before payments can be applied to principal, you must bring your account current by paying off any outstanding fees and late charges. Extra payments will then be applied to outstanding principal.
When comparing the disbursements made and future estimated payments against the amount of escrow money being contributed monthly, a shortage in the amount of money required has been identified. Most likely there was an increase in property taxes and/or hazard insurance premiums.
Not necessarily. Paying your shortage will minimize the payment increase, but if your tax or insurance bills have increased from the previous year the overall escrow payment will increase to prevent a shortage from occurring again.
- Copy of most recent tax bill.
- Proof taxes are paid current. (If taxes are due within the next 60 days they must be paid by you before we set up the escrow account.)
- Copy of homeowner’s insurance declaration page.
- Proof homeowner’s insurance is paid current. (If the insurance is due within 60 days it must be paid by you before we set up the escrow account.)
You may pay additional money to escrow at any time. Please be sure to notate on payment coupon that the additional funds are for escrow.
- New construction properties may not have been fully assessed by the local tax assessors office at the time of loan closing. Often the estimated property tax is based on land only or a partially assessed home. If this was the case, the first year analysis often reflects a large escrow shortage and payment increase due to the full assessment by the tax assessors office. Paying additional monies to escrow would help eliminate all or a portion of that shortage and therefore not reflect as much of a payment change.
- Re-assessment evaluations are often done periodically by your local tax assessors office and sent to you. Since real estate taxes are based on this assessment, this may give you some indication of whether your real estates taxes may increase, before we actually pay the new bill. Applying additional monies may help alleviate a large shortage due to the increase.
Please contact our Customer Contact Center at (888) 696-4444 for assistance.
ISAOA/ATIMA
P.O. Box 5932
Troy MI 48007
Phone: (888) 455-7288
Fax: (248) 824-7144
ISAOA/ATIMA
P.O. Box 5932
Troy MI 48007
Please contact our insurance center immediately at (888) 455-7288.
Earthquake Insurance is an optional insurance and is the responsibility of the borrower to obtain and pay for.
No, NYCB does not escrow for condominium master policy/personal property insurance. NYCB does escrow for the condominium unit owner.
- Alabama
- Connecticut
- Delaware
- Florida
- Georgia
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- New Hampshire
- New Jersey
- New York
- North Carolina
- Rhode Island
- South Carolina
- Texas
- Virginia
Only if the property is in a required flood zone determined by FEMA.
New York Community Bank, a division of Flagstar Bank N.A.
Attention: Loss Draft Department
P.O. Box 7000
Troy, MI 48007-7000
Fax: (248) 824-7155
- Borrower name
- Borrower written authorization is required for third party payoff requests
- Account number
- Property address
- Good through date
- Return fax number
- Contact name and phone number
1801 East 9th Street, Suite 200
Cleveland OH 44114
Phone: (888) 696-4444
Email: lossmitigation@mynycb.com
Attn: Satisfactions OH99-0225
1801 East 9th Street, Suite 200
Cleveland, OH 44114
Email: satisfactions@mynycb.com
Fax: (216) 588-5040
On a monthly basis, we report the prior month's payment information to Equifax, Experian, Innovis, and TransUnion.
If you wish to dispute information showing on your credit report for your loan(s) with New York Community Bank, please provide details regarding the specific information that you are disputing, explain the basis for the dispute, and include supporting documentation (if applicable). Please send your dispute along with your name and loan number by mail to PO Box 91214, Cleveland, OH 44101 or by fax to (216) 583-5203.
1801 East 9th Street, Suite 200
Cleveland OH 44114
Fax: (216) 588-5040
- Copy of a new or updated survey. The survey should clearly indicate the existing property lines and the land being released. It must also indicate where the current structure(s) (house/garage) is located. The cost must be paid solely by the owner.
- A legal description of the land being released and a legal description of what is remaining.
- A full appraisal is required. New York Community Bank will request an appraisal which is paid solely by the owner. The appraisal will provide detail of the current value of the property along with the value after the release. A previous appraisal ordered by NYCB can be used if it is less than 90 days old.
- The account is totally current.
- The mortgage holder is the beneficiary of the trust.
- A copy of the entire Trust agreement must be sent, including the section that pertains to the property and lists the trust beneficiaries.
1801 East 9th Street, Suite 200
Cleveland, OH 44114
Fax: (216) 583-5203
New York Community Bank, a division of Flagstar Bank N.A.
Attn: OH99-0219
1801 East 9th Street, Suite 200
Cleveland, OH 44114
New York Community Bank, a division of Flagstar Bank N.A.
615 Merrick Avenue
Westbury, NY 11590
Customer Service
Speak to us directly
Call
(877) 786-6560
Automated System 24 hours / 7 days a weekDeposit Account and Residential Mortgage Assistance:
Monday - Friday: 8am - 8pm (ET)
Saturday: 9am - 5pm (ET)
NYCB Online/Mobile and Visa® Debit Card Assistance:
Monday - Friday: 8am - 8pm (ET)
Saturday: 9am - 5pm (ET)
Sunday: 9am - 2pm (ET)
Secure Message: To send a secure message: Please log into NYCB Online, select the Envelope icon and choose Compose Message.
To report a lost or stolen ATM / Visa® Debit Card Call (855) 271-7580
102 Duffy Avenue
Hicksville, New York 11801