Terms and Disclosures

Current Mortgage Holders

You may direct inquiries and complaints to our Mortgage Servicing Department at 1-800-836-1260 during our regular business hours from 9 AM to 5PM, Eastern Time or by mail to Emigrant Mortgage Company, 7 Westchester Plaza, Elmsford, NY 10523, attn: Mortgage Servicing Department.

Emigrant Mortgage Company is registered with the New York Superintendent. You may file complaints and obtain further information about Emigrant Mortgage Company by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov.

Emigrant utilizes third party providers to assist in the servicing of accounts secured by properties in New York, including with respect to mortgage servicing practices, insurance administration, and the bankruptcy and foreclosure process. Emigrant remains responsible for all actions taken by third-party providers to the extent required under New York law.

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Residential Loan Fee Schedule(1) for Existing Mortgage/Co-op Loans
Late charges and other fees will be assessed in accordance with the terms of your agreement. Fees are subject to change. Notice of changes may be given by revised copies of this fee schedule.
(1) Effective January 1, 2011.
(2) For Maryland loans, $15.00 is assessed only upon second presentation of unpaid check.
Returned Check Fee (2) $20.00
Amortization Schedule $10.00
Credit Verification $10.00
Document Copies (Per Page) $2.50
Duplicate 1098 $5.00
Assignment of Mortgage - Bank Fee (Includes Attorney Fee of $550.00) $1,000.00
Partial Release of Mortgage From $400.00 (plus recording & other fees)
Co-op Closing Attendance Fee $350.00 to $450.00
Transfer of Title Fee (FHA/VA) $125.00