Mortgage Servicing Transfer FAQs

If you have a first mortgage with Four Points or have received a servicing transfer notice, TruHome Solutions, LLC will start servicing your mortgage loan on April 1, 2025.

Please note: WE ARE NOT SELLING YOUR LOAN. We will be working with TruHome Solutions, LLC to provide a seamless mortgage experience with state-of-the-art technology. Infact, the transfer of the servicing of the mortgage loan does not affect any term or condition of the mortgage instruments, other than terms directly related to the servicing of your loan.

A mortgage servicing transfer is when the company that handles your mortgage payments, escrow accounts, and customer service changes. This means you will send payments to a new company, and they will be responsible for managing your loan. Four Points has partnered with TruHome Solutions, LLC as their mortgage servicing partner.

You will receive written notification from both Four Points and TruHome Solutions, LLC. The notice from TruHome will be mailed out 45 days prior to the transfer date and will include the new servicer’s contact information, and instructions on where to send your payments.

No. The terms of your mortgage (such as interest rate, loan balance, and monthly payments) will not change as a result of the servicing transfer. Only the company managing your account will change.

The payment due date will stay the same, but it’s important to confirm this with the new servicer. Make sure to make your payment on time to avoid any issues.

No, you should wait until the official transfer date of April 1, 2025. If you send payments to TruHome before the transfer, they might not be processed correctly. Four Points will no longer accept payments after the transfer date.

If you accidentally mail a payment to Four Points after the transfer, the payment will be forwarded to the new servicer. However, it is required to update where you mail your payments to TruHome Solutions, LLC or contact TruHome to set up automatic payments.

You will receive a new statement from TruHome, but your original loan agreement will remain the same. Your payment history will also be transferred, so there shouldn’t be a disruption in your account records.

You don’t need to take any immediate action. However, it’s a good idea to update your payment information (e.g., automatic payments) with TruHome once the transfer is complete. Additionally, make sure you have TruHome’s contact information in case you need assistance.

If you have an escrow account, the new servicer will take over managing it. This includes paying property taxes and homeowner’s insurance from your escrow funds. If there are any changes to your escrow account, such as a change in your monthly payment amount, TruHome will notify you.

No, you cannot opt out of it. The transfer of servicing does not affect your loan agreement or the terms of your mortgage.

If you experience any issues with your new servicer, you can contact them directly for assistance. If the issue is not resolved to your satisfaction, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office.

A mortgage servicing transfer itself does not impact your credit score. It’s important that you continue to make your mortgage payments on time. Your payments should still be processed, and your credit score should not be negatively affected if your payments are made as agreed and payments set up with TruHome after the transfer.

There are no fees for the transfer of mortgage servicing.

Once the transfer is complete, you will need to update your payment details, such as the payment address or automatic payment setup, with TruHome.

Absolutely! It is important to protect your investment with adequate insurance coverage. It is also a requirement of your mortgage contract to maintain adequate insurance on your structure at all times. Adequate insurance is an amount that is at least equal to the outstanding principal balance of your loan or the replacement cost value of your structure. If your insurance premium is coming due, you may receive a letter requesting proof of insurance. Proof of insurance is a document from your insurance company verifying that a policy has been obtained for your property including the policy amount and coverage dates. A copy of the declaration page is sufficient proof of insurance in most instances and can be emailed to insurance@truhome.com. This is usually the first page of your policy, tells the amount of coverage, and gives us the requisite details of the policy, please add your loan number.

Please notify your mortgage insurance carrier that the Mortgagee Clause is changing 4/1/25:

Mortgagee Clause:

Please notify your mortgage insurance carrier that the Mortgagee Clause is changing 4/1/25:

Mortgagee Clause:

Four Points Federal Credit Union

Its Successors and/or Assigns

P.O. Box 39517

Solon, OH 44139