Disclosures

Debt Collection Information:  We are a debt collector and information you provide to us may be used to collect a debt.  However, if you have filed for bankruptcy, we respect any stay, modification or discharge condition and all our communications to you are given for regulatory compliance and information purposes only.  If we are subject to a stay in your bankruptcy or you receive information from us solely as a successor in interest, our communications to you do not represent demands for payment.  If the debt we service is discharged under bankruptcy law or you are merely a successor in interest receiving information about the loan account, you are not personally liable for the debt.  However, in all situations, according to the mortgage and within the limits of bankruptcy law, we retain our rights to enforce the mortgage lien against the property that secures the loan.

 

Online Information and Online Payments:  Please click here to start finding assistance to manage your loan, including certain standard forms containing instructions about how to complete and return them to our office.  To register your online account, sign up to receive email notices from us, and schedule payments, please click here.  

 

               Depending on the loan status or loan type, you may not be able to process payments online.  If so, a message about this restriction will display when you register for an online account.  For any needs not addressed on this website, please contact Customer Service toll-free at 866-712-5698 to receive further assistance.

 

               If the loan account is eligible and you create an online account, you will also be able to access your monthly statements online.  You will also be able to tell us you want “paperless billing,” meaning you no longer wish to have your periodic statements mailed to you and we may send you email messages to let you know when each new statement is available online.

 

Recurring Automatic Payments:  If the loan account is eligible and you want to set up automatic recurring monthly payments through our Recurring ACH Payment Program, please click here.  You can choose to electronically complete, sign and submit a DocuSign™ version of the Application or you can download a printable version to complete and mail or fax to us.

 

Payment by Mail or Phone:   If you are not paying online or by recurring automatic payment, you may pay by check or money order or call Customer Service to arrange a one-time payment.  Do not send cash. 

 

              Your Gregory Funding statements and the Borrower Center of this website provide the current payment mailing address for payments made by check or money order, called the Lockbox Address.  You should write your loan account number on your check or money order and make it payable to “Gregory Funding.”  Writing an account number on your check or money order helps us accurately process checks received, especially if the printed name on your checks does not match the form of name(s) shown on our loan account record.  Payments accompanied by the payment stub on Page 1 of our mortgage billing statement and received at the correct payment address on any Monday through Friday that is not a legal bank holiday will be credited as of the day of receipt.

 

You may also contact Customer Service toll-free at 866-712-5698 to make a payment by phone.  Phone payments arranged before 6 PM Pacific Time will be credited on the same business day.  Phone payments arranged after 6 PM Pacific Time will be credited on the following business day. 

 

Extra Payments:  When the currently due installment has been or will be paid and there are no outstanding fees and charges, you may designate an excess payment amount to reduce principal or add to your escrow balance.  Escrow deposits may not have an immediate effect on your escrow payment amount; you should contact Customer Service in advance for questions about the effect of an extra escrow payment under the circumstances applicable to your loan.  If the account is delinquent, you may wish to contact Customer Service to discuss how a payment will be applied and how to cure the delinquency.

 

Suspense Accounts/Partial Payments:  Payments received in amounts that are more or less than the amount of the oldest unpaid installment may result in a partial payment that cannot be applied to the loan balance.  When received, a partial payment amount is posted to a suspense account associated with the loan.  Partial payments are applied when we receive the remainder amount due for the oldest unpaid installment.

 

Payoff Requests:   Your regular loan account statement does not provide you with an actual payoff amount.  Requests for quotes to pay off the full account balance should be submitted in writing to Gregory Funding, ATTN: Customer Service Department, PO Box 25430, Portland, OR 97298 or by fax to 866-712-5697.

 

Taxes:  If you have an escrow account for us to disburse property tax payments, we will ask your tax authority to send the regular tax bill directly to us.  However, some tax authorities continue to send the regular tax bill directly to you.  Your tax authority may send other special types of tax bills directly to you, such as corrected, supplemental or special assessment bills.  If taxes are escrowed with us and you receive a tax bill, write the account number on the bill and send it as soon as possible to Gregory Funding, ATTN: Tax Department, PO Box 25430, Portland, OR 97298-0430 or by fax to 866-712-5696.

 

Insurance:   Mortgage loan terms require homeowner’s hazard insurance for your property with replacement cost coverage and reasonable deductibles; flood or wind coverage may also be mandatory.  We will pay annual insurance premiums from your escrow account if the loan is escrowed for insurance.  

 

You must provide us with declaration page(s) as proof of insurance including this mortgagee clause:  Gregory Funding LLC, ISAOA/ATIMA, PO Box 692402, San Antonio, TX 78269-2402.  If you do not provide updated information when your insurance renews or changes, we may purchase lender-placed insurance to protect the lender.  Provide all insurance change information to Gregory Funding LLC, ATTN: Insurance Department, PO Box 692402, San Antonio, TX 78269-2402 or fax to 866-844-4130 or call toll-free 866-270-3228.

 

To contact us about insurance escrow status or damage claims related to either your homeowner’s or a lender-placed policy, write to Gregory Funding, ATTN: Insurance Department, PO Box 25430, Portland, OR 97298-0430 or fax to 866-712-5696 or call toll-free 866-712-5698.

 

Interest on Escrow Advances:  If the escrow account is not adequately funded by monthly escrow payments or the loan account is not escrowed and you fail to pay property taxes or insurance premiums, we can advance servicer money to pay such obligations, including lender-placed insurance premiums if applicable.  These advances are additional obligations included in the loan balance.  We may charge interest on the daily outstanding advances balance until the advances are repaid, generally at the current loan interest rate and as permitted by state law.

 

Foreclosure Prevention Assistance:  If you are experiencing difficulty making payments, please click here for additional information or call Customer Service toll-free at 866-712-5698, Monday through Friday, 6:30 AM ‐ 6:00 PM Pacific Time, to discuss your options.

 

Housing Counselor Information:  For help exploring options to manage the account, the federal government provides contact information for housing counselors located close to you, whom you can select by visiting the Consumer Financial Protection Bureau website at www.consumerfinance.gov/find-a-housing-counselor or by visiting the Department of Housing and Urban Development (HUD) website at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or calling the HUD Housing Counselor Hotline toll-free at 800-569-4287.  A housing counselor can help you with household budgeting to manage mortgage loan payments and can also help you understand our loss mitigation programs and the range of foreclosure prevention options.

 

SCRA Information:  Servicemembers called to active duty, or a spouse or dependent of such a servicemember, may be entitled to legal protections and debt relief under the Servicemembers Civil Relief Act, 50 USC §§ 3901-4043 (“SCRA”).  If you have questions about how the SCRA might apply to you, see www.militaryonesource.mil/legal or call 800-342-9647 toll-free to reach “MilitaryOneSource,” a legal assistance resource of the U.S. Defense Department.  If we need to know your eligibility status, please mail a written request and a copy of the servicemember’s military orders to Gregory Funding, PO Box 25430, Portland, OR 97298-0430.   We provide additional information about SCRA rights in more detail here: SCRA.

 

Requests for Information and Notices of Error, including Qualified Written Requests:  If you want a written response to a request for information or you feel there is a loan servicing error, you must contact us in writing.  Requests and notices must include your name, loan number, property address, and a statement of the information you request or the error you believe occurred and must be mailed to Gregory Funding, ATTN: Errors & Inquiries, PO Box 25158, Portland, OR 97298-0158.

 

Arkansas Residents:  Please note that Gregory Funding LLC is licensed in Arkansas and that complaints about Gregory Funding LLC may be submitted to the Arkansas Securities Department via the Department's website, www.securities.arkansas.gov, or toll-free at 800-981-4429.

 

Hawaii Residents:  Gregory Funding LLC is licensed by the Division of Financial Institutions for the State of Hawaii.  A borrower may file a complaint about Gregory Funding LLC with the Commissioner:  Division of Financial Institutions, Department of Commerce and Consumer Affairs, King Kalakaua Building, 335 Merchant Street, Rm. 221, Honolulu, HI 96813.

 

Massachusetts Residents:  We do not intend to call you using your workplace telephone number unless you specifically allow us to do so.  NOTICE OF IMPORTANT RIGHTS:  You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment.  Any such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of making such request.  You may terminate this request by writing to tell Gregory Funding LLC that your restriction about calls at your workplace is no longer in effect.

 

Minnesota Residents:  Gregory Funding LLC is a collection agency licensed by the Minnesota Department of Commerce for purposes of Minnesota law.

 

Montana Residents:   Gregory Funding LLC is licensed by the Division of Banking and Financial Institutions for the State of Montana.  A borrower may file a complaint about Gregory Funding LLC with the Department:  Division of Banking and Financial Institutions at: Mailing Address: PO Box 200546, Helena, MT 59620; Physical Address: 301 S. Park Ave, Suite 316, Helena, MT 59601; Phone: (406) 841-2920; Fax: (406) 841-2930.

 

New York Residents:  Gregory Funding LLC is a registered servicer with the New York Superintendent of Financial Services.  A New York-resident borrower may file complaints about the servicer with the Superintendent or get further information from the Department of Financial Services’ consumer assistance unit at 800‐342‐3736 or its website at www.dfs.ny.gov.

 

Oregon Residents:  Residential mortgage loan servicers are regulated by the Oregon Division of Financial Regulation.  To file a complaint, call 888-877-4894 toll-free or visit dfr.oregon.gov.

 

Texas Residents:  Gregory Funding LLC is a licensed mortgage banker with the Texas Department of Savings and Mortgage Lending.  CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO:  DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705.  COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.  A TOLL‐ FREE CONSUMER HOTLINE IS AVAILABLE AT 877‐276‐5550.

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PO Box 25430

Portland, OR 97298

© 2020 Gregory Funding LLC. All Rights Reserved. NMLS #266062