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VHDA Mortgage Customer FAQ 

Questions About Accessing Your Information Online

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Do I need to register to access my loan information? ‎(1)
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I am locked out. What do I do? ‎(1)
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I have forgotten my User ID and/or Password. What do I do? ‎(1)
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What do I need to do to register? ‎(1)

Questions About Your Loan
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Can I have my payments automatically drafted from my checking or savings account? ‎(1)
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Can I make my mortgage payment online? ‎(1)
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How can I get payoff information? ‎(1)
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I am a co-mortgagor. Will I receive an annual loan statement? ‎(1)
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If I’m experiencing a hardship beyond my control, how can I save my home from foreclosure? ‎(1)
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What are the hours for accessing my loan information and making payments online? ‎(1)
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What does my monthly mortgage payment include? ‎(1)
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Why is a principal balance not my payoff amount? ‎(1)
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Why is there only one social security number on my annual loan statement? ‎(1)

Answers to Insurance Questions
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How can I cancel my Homeowner's insurance? ‎(1)
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How do I change insurance companies or carriers? ‎(1)
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How do I renew my policy? ‎(1)
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What is force-placed insurance? ‎(1)
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What type of insurance coverage is required? ‎(1)

Answers to General Loan Questions
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Does VHDA have any properties for sale? ‎(1)
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How can I cancel the mortgage insurance on my loan? ‎(1)
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How does VHDA obtain tax bills? ‎(1)
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What are escrow adjustments (overages, shortages and reserves)? ‎(1)
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What are supplemental tax bills? ‎(1)
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What does prepayment mean? ‎(1)
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What is a recapture tax? ‎(1)
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What is an assumption? ‎(1)
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What is an escrow analysis and how does it work? ‎(1)
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What is mortgage insurance or private mortgage insurance? ‎(1)
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What is the mortgagee clause for VHDA? ‎(1)

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Loan Servicing Department

Toll free: 800-235-6938
Local: 804-783-6729
vhdaservicing@vhda.com

 

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