How to Get a Copy of Your Mortgage Statement

A mortgage statement is a regular document from your mortgage servicer that outlines the status and activity of your home loan. Sent monthly, it informs you about your current loan balance, upcoming payment amount, and due date. Understanding this document is important for homeowners to manage finances and track progress toward paying off their home. It helps you stay informed about its key details and financial implications.

Accessing Your Mortgage Statement Online

Many mortgage servicers offer online portals for managing your loan and accessing documents. To obtain your mortgage statement electronically, you will generally need to visit your mortgage servicer’s official website. Most servicers require you to log in to an established online account using your username and password.

After logging in, navigate to a section typically labeled “Statements,” “Documents,” or “Account History.” Within this section, you should find an archive of your past and current monthly mortgage statements. You can usually view these statements directly in your browser, download them as PDF files, or print them.

Some servicers offer the option to enroll in paperless statements, delivering future statements directly to your online account or via email notification. This electronic delivery method offers immediate access and reduces paper clutter. Always ensure you are on the legitimate website of your mortgage servicer to protect your personal and financial information.

Requesting a Statement by Mail or Phone

If online access is unavailable, you can obtain your mortgage statement through traditional mail or by phone. To request a statement by mail, you typically need to contact your mortgage servicer. A written request should include your full name, mortgage account number, and the mailing address where you wish to receive the statement.

When requesting by phone, call your mortgage servicer’s customer service line. Be prepared to verify your identity by providing personal information such as your account number, Social Security number, or answers to security questions. The representative can then process your request to have a statement mailed to your address on file.

Information on Your Mortgage Statement

Once you obtain your mortgage statement, you will find several pieces of information detailing your loan’s status. The statement typically displays your outstanding principal balance, which is the remaining amount you owe on the loan. It also itemizes the current monthly payment, showing the breakdown between principal, interest, and any amounts allocated to your escrow account for property taxes and insurance.

The statement usually includes your payment due date and any late payment fees that may apply if the payment is not received on time. A summary of recent payment activity, including the date and amount of your last payment, is often provided. For adjustable-rate mortgages, the statement may also indicate potential interest rate changes and their impact on future payments.

Your mortgage servicer’s contact information, including their mailing address and customer service phone number, is prominently featured on the statement. Some statements also provide year-to-date totals for interest paid, which can be important for tax purposes, especially when considering the mortgage interest deduction on Form 1098.

Addressing Issues with Statement Access

If you encounter difficulties accessing your mortgage statements, first try resetting your password through the servicer’s website. If the issue persists, contacting their technical support or customer service department is the next step.

If you do not receive your statements by mail, verify your mailing address with the servicer to ensure it is accurate and up-to-date. If you identify any discrepancies or errors on your statement, such as an incorrect payment amount or balance, immediately contact your mortgage servicer to report the issue. They can investigate the discrepancy and provide a resolution.