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Mortgage Letter
Frequently Asked Questions
A Mortgage Letter provides confirmation for your lender that your homestead exemption has been approved along with an estimate of your tax bill.
Will my mortgage company adjust my mortgage payment?
Maybe. Each lender is different. Some ask for a copy of your homestead exemption application, some ask for a Mortgage Letter, others will make no adjustment until after they pay your tax bill and adjust your escrow account.
How do I send a Mortgage Letter to my mortgage company?
If an estimate is available, you may click on the above button "Generate Mortgage Letter". You can print the letter and mail it to your mortgage company. It is between you and your mortgage company as to whether they will accept this letter and adjust your escrow account. If no estimate is available, your Notice of Proposed Property Taxes (TRIM) will be mailed to you in August, and it can be forwarded to your lender.
Do the taxes in my Mortgage Letter reflect what I will pay in November?
Probably not. The estimate is based on LAST YEAR'S millage rates. Due to changes in the real estate market and potential changes to your property, your value may change from the Mortgage Letter estimate. Your best estimate will be the TRIM notice you will receive in August. Mortgage Letters are provided as a courtesy to new homeowners, and are not binding on the Property Appraiser's office.
When can I access and print a Mortgage Letter?
Only after a NEW homestead exemption has been approved. Once the Notice of Proposed Property Tax (TRIM) has been mailed in August, current year Mortgage Letters are no longer available. Your TRIM notice will serve as an estimate for your lender. Mortgage letters will be available again in November.
Why can't I create a Mortgage Letter?
Here are some possible reasons for this:
- You do not have a NEW application on file. If you did not file for homestead exemption, or your current exemption is not new to this property, you cannot create a Mortgage Letter.
- Your exemption has not yet been processed. Exemptions are processed in the order in which they are received. As soon as your exemption has been posted to your account, you should be able to create a Mortgage Letter.
- Your exemption has been processed but has not yet been posted to the website. The web server can take up to a week to reflect changes that have been made at the property appraiser office.
- You entered an invalid Alternate Key (PARID) or Short Parcel ID (ALT_ID).