Solidarity Community Credit Union | Banking in Kokomo, IN

Mortgage Servicing

FHLB Grant Programs

We Service Our Escrowed Loans In-House — For Your
Peace of Mind

At Solidarity, we’re proud to service all escrowed mortgage loans right here, in-house. That
means when you have questions, you can speak directly with someone who knows you — not a
third party.

Our members are always welcome to stop by, call, or connect with a local expert to discuss
important topics like:

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FAQs

What is Solidarity’s Mortgage Clause?

Solidarity Community Federal Credit Union
ISAOA/ATIMA
PO Box 3584
Coppell, TX 75019

I had an insurance claim on my property. What should I do?

Bring your insurance check(s) and detailed statement from the insurance adjuster to the mortgage department and ask to speak with servicing.

I switched my homeowner’s insurance, what should I do?

When switching homeowner’s insurance, it’s important to make sure the new insurance provider adds Solidarity’s Mortgagee Clause to the policy, so they will know to send us the bill. The mortgagee clause is outlined above. Bring in your new policy information, and refund check from your previous insurance company to the mortgage department and ask to speak with servicing.

When are my property taxes due in Indiana? I do not escrow.

Property taxes in Indiana are due in May and November. You can contact the Treasurer’s Office of your county for more information on how-to obtain your bill.

Why did I get a bill for my property taxes when I escrow?

The county is required to send everyone a copy of their tax bill each year. The tax bill may say something like, “This is not a bill” or “If escrowed, disregard”.

Can I drop my PMI?

When a loan is at 80% LTV, a member can request to have their loan evaluated to potentially drop PMI. This request needs to be submitted, in writing, before a servicer can look into the account further. As always, if you are unsure of your LTV, please contact one of our servicers below and they will be glad to assist you.

Can I add someone to my deed?

Yes! But, not at Solidarity. Please contact the county recorders office of your county for more information.

Can I add someone to my mortgage?

No, you must fill out an application and refinance to add someone to your mortgage.
Please reach out to one of our loan originators or fill out the mortgage application online.

What happens when I pay off my mortgage?

Solidarity will record a satisfaction of mortgage with the county in which your residence is located. This will release Solidarity’s lean off of the property. Solidarity will mail you a payoff confirmation letter, letting you know that the loan has been paid in full. You are now responsible for your own homeowner’s insurance and property taxes.

Mortgage Servicing

Our team of two mortgage servicers is here to assist you with all your mortgage loan servicing needs — whether it’s questions about your homeowner’s insurance, escrow analysis, private mortgage insurance (PMI), or loan maintenance. Feel free to contact either of them below with questions.