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› Tax and Insurance Information - Property Taxes
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Tax and Insurance Information - Property Taxes

Questions

  1. What is my obligation regarding Tax Bills?
  2. What are Due Dates and Delinquency Dates?
  3. What are Early Payment Tax Discounts?
  4. What are Homeowner Areas and Homestead Exemptions?
  5. When will you pay my tax bill?
  6. How can I lower the amount of taxes I am paying?
  7. How can I make sure my taxes are paid each year before December 31st?
  8. How can I verify the amount you are collecting for taxes in my escrow account?
  9. What do I do if I receive a Delinquent Tax notice?
  10. What do I do if I receive a notice of Tax Sale or Tax Foreclosure?
  11. What will happen to my tax and insurance bills after payoff?
  12. When will I receive my year-end tax statement?
  13. What if I need to obtain copies of my year-end tax statements from prior years?
  14. My mortgage loan was transferred from another servicer this year. How do I get my year-end balances for the full calendar year?
  15. What is Nationstar's tax identification number?
  16. If my statement isn't available yet, can I still view my taxes and interest paid last year?

Answers

  1. What is my obligation regarding Tax Bills?

    If your loan has an escrow account for property taxes, NATIONSTAR disburses tax payments from the escrow account in accordance with the Real Estate Settlement and Procedures Act (RESPA). This does not absolve you from any tax liability as property taxes are still your legal obligation.   If your local taxing authority requires that an original tax bill accompany the payment of the property tax it is your responsibility to make certain that all tax bills are mailed to NATIONSTAR in a timely manner to avoid penalty and/or delinquency charges.

    Property tax bills or billing information is issued from the tax office handling property taxes in the area where your home is located (the tax office is also known as the "Taxing Authority"). This office will send you a bill prior to the tax payment due date. If you receive a tax bill marked "COPY" or "FOR YOUR INFORMATION," please keep this bill for your personal records. There is no need to send this bill to NATIONSTAR, as we will receive your tax information directly from your Taxing Authority.

    NATIONSTAR processes many tax payments electronically for several tax authorities. With this method, you do not have to send us your tax bill. Your tax statement may indicate the billing method used by your tax authority.

    If at any time you are required to send your tax bill directly to NATIONSTAR, please indicate your LOAN ACCOUNT NUMBER on the tax bill and send it to:

    Nationstar Mortgage LLC
    Attn: Tax Department
    P.O. Box 961229
    Fort Worth TX  76161-0229

    If an original bill is not required for payment of the property tax, you may fax tax bills to (817) 826-1258.

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  2.  

  3. What are Due Dates and Delinquency Dates?

    NATIONSTAR uses the last date (delinquency date) that the taxing authority in your area will accept payment as the due date for your tax bill(s). The delinquency date is the last date that taxes can be paid before penalties and/or interest charges will be assessed by the taxing authority for late or non-payment of taxes.

    Note: Many tax authorities accept the United States Postal Service non-metered postmark date as the receipt date for tax payments.

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  4.  

  5. What are Early Payment Tax Discounts?

    Many taxing authorities offer discounts if the tax bill is paid early. These taxing authorities generally have a very long grace period before taxes become delinquent. An example of this is the state of Florida; taxes are due on November 1 and become delinquent on April 1. Please be assured that our Tax Department will make every effort to take advantage of the early payment discount periods where applicable in compliance with RESPA requirements.

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  7. What are Homeowner Areas and Homestead Exemptions?

    A Homeowner Area is a state or an area within a state where the taxing authority issues the tax bill(s) directly to the homeowner and not to the lender.  For properties in these homeowner areas the homeowner must send the tax bills to us for tax payment.  If the required bills are not received by NATIONSTAR in a timely manner, NATIONSTAR will not be responsible for the penalty and/or interest that may be charged for late or non-payment of the tax bill(s).  Additionally, NATIONSTAR will not be liable for any costs associated with the collection of the delinquent tax that may be assessed by the tax authority or their agent.

    Homestead Exemptions – In some states homeowners may be allowed a partial or total exemption from their property tax assessment if the property is the owner’s primary residence. To verify if your taxing authority allows homestead exemptions for which you may qualify, please contact your taxing authority directly.

    Supplemental Tax Bills
    Many tax authorities issue bills for additional taxes due.  This type of tax bill can be called supplemental, interim, added assessment, escaped assessment or missed assessment, occupancy or added value bills.  In most cases these bills are sent directly to the homeowner and not to the lender.

    NATIONSTAR Mortgage does not collect escrow funds for this type of tax bill. The borrower is responsible for paying supplemental tax bills regardless of whether the loan is escrowed or not escrowed for taxes.


    If you receive this type of tax bill and you are unable to make payment, NATIONSTAR may assist with the payment to avoid the placement of a lien against the property.  Please contact our tax department:

    Nationstar Mortgage LLC    
    Attn: Tax Department
    P.O. Box 961229
    Fort Worth TX  76161-0229
    (888) 480-2432



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  9. When will you pay my tax bill?

    Your tax bill has both a Due Date and a Delinquency Date. The Due Date can be the earliest date the Taxing Authority will accept a payment, or it can also mean this is the day the tax bill actually becomes available. We will pay your tax bill between the Due Date and the Delinquency Date. The Delinquency Date is the last day to pay the bill without incurring penalties.

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  11. How can I lower the amount of taxes I am paying?

    Most taxing authorities offer exemptions based on certain qualifications. You would need to contact your local taxing authority to determine if you qualify.  If you do qualify and have been granted an exemption you must provide NATIONSTAR proof of the new tax amount(s) to possibly lower your payment amount.  An application for exemption or a notice of the granting of the exemption is not sufficient to adjust your monthly escrow payment.


     

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  13. How can I make sure my taxes are paid each year before December 31st?

    In some areas taxes will become delinquent if not paid by December 31st. These tax payments take priority over tax payments that will not become delinquent until a later date. Consequently, for taxes due in areas with delinquency dates after December 31st we cannot guarantee that your tax bill will be paid prior to the end of the year. However, please be assured that our Tax Department will make every effort to take advantage of the early payment discount periods where applicable in compliance with RESPA requirements.

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  14.  

  15. How can I verify the amount you are collecting for taxes in my escrow account?

    We provide detailed information pertaining to your loan account on the front of each monthly statement in three areas:

    •    Loan Summary – your current unpaid principal, escrow and unapplied balances, current interest rate and year-to-date interest and taxes paid.

    •    Payment Information – payment due date, principal and interest and escrow payment.  Regular payment due, payment past due, unpaid late charges and outstanding advances and fees.  Total amount due.

    •    Activity Since Last Statement – all transactions by date with principal, interest, escrow, late charge, miscellaneous amounts with a transaction total

    If you feel that any of this information needs to be updated, contact our Customer Service at (888) 480-2432 during normal business hours.  Customer Service hours are Monday through Thursday, 8:00am to 8:00pm CST and Friday, 8:00am to 5:00pm CST.

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  16.  

  17. What do I do if I receive a Delinquent Tax notice?

    If you receive a delinquent tax bill, please IMMEDIATELY fax the bill to (817) 826-1861.

    Pennsylvania:  Some taxing authorities require that an “original” bill be presented with the payment.  If you receive a tax bill, please IMMEDIATELY mail the original bill to the address below:

    Nationstar Mortgage LLC
    Attn: Tax Department
    P.O. Box 961229
    Fort Worth, TX 76161-0229

    All other states:  If your loan is escrowed for taxes and you receive a delinquent tax notice please contact our Tax Center Customer Service at (888) 480-2432.  Please write your NATIONSTAR loan number on the delinquent tax bill and send it to:

    Nationstar Mortgage LLC
    Attn: Tax Department
    P.O. Box 961229
    Fort Worth, TX 76161-0229

    If you have been escrowed for taxes since origination and you receive an original bill, keep for your records, Nationstar will not need it.

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  19. What do I do if I receive a notice of Tax Sale or Tax Foreclosure?

    If you receive a delinquent tax notice advising you that your property is eligible for tax sale or tax foreclosure, or such action is pending, please contact our Tax Center Customer Service immediately at (888) 480-2432.  Please write your NATIONSTAR loan number on the delinquent tax bill and send it to:

    Nationstar Mortgage LLC
    Attn: Tax Department
    P.O. Box 961229
    Fort Worth, TX 76161-0229

    If the original bill is not required for payment or our Tax Department Customer Service representative requests it, you should fax the notice(s) to (817) 826-1861.

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  20.  

  21. What will happen to my tax and insurance bills after payoff?

    If your loan is escrowed for taxes and insurance, NATIONSTAR Mortgage will notify your taxing authorities and your insurance agent that we are no longer responsible for paying your bills. To ensure that your tax and insurance bills are paid before their due date, you should contact your tax collector and your insurance agent to confirm that they have your correct mailing address for the billings.


    The foregoing is not intended, nor shall it be construed to be or relied upon, as legal advice. Please consult your advisor or attorney regarding any of the foregoing laws and regulations.

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  22.  

  23. When will I receive my year-end tax statement?

    Year-end tax statements will be available by January 31st. If you are enrolled in paperless billing, you’ll receive an email notification as soon as your statement is available. You can then view and print your statement by signing into your account online.

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  25. What if I need to obtain copies of my year-end tax statements from prior years?

    You can view and access your tax forms from the previous 13 months by signing into your account online. For statements older than 13 months, please contact customer service at 888-480-2432.

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  27. My mortgage loan was transferred from another servicer this year. How do I get my year-end balances for the full calendar year?

    Nationstar Mortgage and your previous servicer will provide you with individual statements no later than January 31st. Each statement will reflect what you paid in mortgage interest and any real estate taxes, for the period of time your loan was serviced by each company. If you have any questions regarding your prior servicer’s tax statement, you need to contact them directly.

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  29. What is Nationstar's tax identification number?

    Our tax identification number is 75-2921540.

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  30.  

  31. If my statement isn't available yet, can I still view my taxes and interest paid last year?

    Yes, you can view both prior year and year-to-date taxes and interest paid, under the My Mortgage section after signing into your account.

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