Home Loan Servicing

Manage your home loan online

Patelco Online^™ helps you stay up to date on all of your home loan or Home Equity Line of Credit. We make it simple and safe to:

• Make payments
• Check balances
• Check your escrow history
• Get account details
• Send us secure messages about your loan
• Pay off your mortgage
• Pay down your Home Equity Line of Credit balance to zero
• Transfer funds from your equity line

Get started today with Patelco Online^™ >

How to reach us with questions about your home loan

If you have questions about your home loan, please reach out to us:

800.358.8228, from the main menu press # and then extension 1203 when prompted – we’re available weekdays 8am ‐ 5pm PT

Patelco Credit Union
Attention: Home Loan Servicing
3 Park Place
Dublin, CA 94568

Request home loan servicing

Whether you’re a Patelco member or a Title Company, it’s easy to request the mortgage service you need with our online form—just have the loan number and property details ready.

If you’re a member, you can request information regarding your escrow account, insurance, payoffs, taxes, reconveyances, or other assistance.

If you’re a Title Company, you can ask for help with demands, reconveyances, and subordinations.

Mailing a mortgage payment

To send us a mortgage payment by mail, use the following secure address:

Patelco Credit Union
Attention: Payment Center
PO Box 2227
Merced, CA 95344

Here are a few things to remember regarding payments:

• Payments must be accompanied by the account number and suffix or your statement coupon.
• All payments received by mail prior to 5:00 pm PST will be posted the same day.
• Payments made in person will be processed by close of business according to Branch hours.
• Only checks or money orders should be sent by mail.
• We only accept U.S. dollars as payment in our branches.
• We require certified funds for a payoff of your mortgage loan. Personal checks will be subject to
  hold.

Paying off your mortgage

Paying off your mortgage is a big financial milestone. We’ve made it easy for you to complete this process online within a few short steps.

1. Log in to Patelco Online^™
2. Hover over Transfer & Pay and select Loan Payoff
3. Select the account you’d like to take the funds from and the mortgage account you’d like to pay off
4. Review the payoff statement details and then select Submit
5. Select Confirm Payment

You’ll receive a confirmation email and you can also print a copy of your payment details for your records.

Paying down or paying off your HELOC

With our new widget in online banking, it’s now easy to pay down your HELOC to a zero balance (keeping the account open) or pay it off entirely (after which we’ll close your HELOC account).

1. Log in to Patelco Online^™
2. Hover over Transfer & Pay and select  Loan Payoff
3. Select your HELOC account and the account you’d like to make a payment from
4. Choose between paying down your HELOC to $0 or Paying off your HELOC and closing your account
5. Review the details and then select Submit
6. Select Confirm Payment

You’ll receive a confirmation email and you can also print a copy of your payment details for your records.

If you want to spend money from your HELOC, use the Transfer or Loan Payment function (found under Transfer & Pay) in Patelco Online™ to transfer money from your HELOC into your checking or savings account.

Error Resolution

If you believe an error has occurred with your loan or payment, please contact Patelco through one of the following options:

• Call us at 800.358.8228, press # and extension 1203
• Use theRequest Help button above
• Write to us at:
  Patelco Credit Union
  Attention: Home Loan Servicing
  3 Park Place
  Dublin, CA 94568

We’ll provide a response within 5 business days of receiving your written inquiry. If the issue requires more than 5 business days to research and resolve, we’ll let you know, and you’ll receive a completed response within 30 days or less.

Keeping your home loan insurance policy information current

How to update your policy information with us

Patelco has partnered with a company called Allied Solutions to help us ensure that our Hazard and Flood Insurance records for Home Loan holders remain current.

You may receive a letter from Patelco requesting a copy of your insurance policy. If you receive this letter, please make sure that you have adequate dwelling coverage, and that Patelco is listed as the loss payee on your account. In addition, please make sure your Home Loan insurance is equal to replacement value as determined by your insurance carrier.

Patelco Credit Union should be listed as the lien holder, PO Box 1707, Carmel, IN 46082.

You can update your insurance information by:

• Entering your information online at www.myinsuranceinfo.com. Please use control number 7100.
• Asking your agent to call 800.523.6404 and provide the necessary insurance information to an Allied Solutions representative.
• Mailing a copy of your insurance policy to Allied Solutions at PO Box 1707, Carmel, IN 46082
• Faxing a copy of your insurance to 800.713.0260
• Be sure your insurance policy includes your account number and suffix, the insured property address and/or unit number and your name as listed with your membership

Thank you for helping us keep these records current. If you have any questions, please call one of our Home Loan experts at 800.358.8228, press # and extension 1203.