Frequently Asked Questions (FAQs)

Payments and Billing

Visit the appropriate online access link on this page based on your credit union lender. Follow the registration instructions to create your online account.

Yes, once you’ve registered for an online account, you can make one-time payments through our Servicing Digital website or from your credit union lender’s access link.

Register on our Servicing Digital website or from your credit union lender’s access link and select “Enroll in Autopay” on the dashboard to set up automatic payments.

We offer online payments, automatic payments, and phone payments (with an associated charge) for your convenience. For more information, contact our customer service team at 800-360-2876 or visit our FAQ page.

Your payment due date is specified in your note/mortgage. You can also find it on your billing statement.

You can submit premium bills in two ways:
    • Mail them to: CUSO Home Lending Attn: Servicing PO Box 663 Hampden, ME 04444
    • Email them to
We provide several payment methods. Please contact our Customer Service Department at 1-800-360-2876 for payment assistance:
  • Electronically via our Servicing Digital website.
  • ACH payments automatically withdrawn from your chosen checking or savings account.
  • Check payments mailed directly to CUSO Home Lending.
  • Phone payments (a $10 fee applies per payment).

Documentation and Statements

You can easily access your year-end tax information through your Servicing Digital account under Account Management > Document Center.

Additionally, CUSO will mail you a hard copy prior to January 31st.

Mailing Address and Contact Information

For US mail:
  • CUSO Home Lending
  • PO Box 663
  • Hampden, ME 04444
For overnight delivery:
  • CUSO Home Lending
  • 101 Western Avenue
  • Hampden, ME 04444

Mortgage Insurance

PMI protects lenders and others against financial loss when borrowers default. Charges for the insurance are added to your loan payments. Under certain circumstances, federal law gives you the right to cancel PMI or requires that PMI automatically terminate. Cancellation or termination of PMI does not affect any obligation you may have to maintain other types of insurance.

Yes, you can request PMI cancellation on or after either of these dates:

  1. The date the principal balance of your loan is first scheduled to reach 80% of the original value of the property or
  2. The date the principal balance actually reaches 80% of the original value of the property.

PMI will only be canceled on these dates if:

  • You submit a written request for cancellation
  • You have a good payment history;
  • You are current on the payments required by your loan; and
  • We receive, if requested and at your expense, evidence that the value of the property has not declined below its original value and certification that there are no subordinate liens on the property.

A “good payment history” means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of (a) the cancellation date, or (b) the date you submit a request for cancellation.

“Original value” means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. If this loan refinanced an existing loan secured by the property, “original value” means the appraised value relied on by the lender to approve this loan.

Additional Questions

For insurance loss-related repairs, please provide us with the following documents:
  • A copy of the insurance adjuster report for itemizing loss and coverage.
  • A copy of your contract to complete the repairs.
  • The original loss draft check payable to CUSO and the borrower — these funds are held by CUSO and disbursed as work is completed.
CUSO offers specialized mortgage programs tailored for first-time homebuyers, such as FHA Loans. These programs come with favorable terms, making homeownership more accessible. Learn more about our first-time homebuyer programs.
Refinancing can offer lower interest rates or reduced loan terms. Consider your current financial situation, the remaining loan balance, and potential closing costs. Explore our refinancing options to see if it’s right for you.

For any other questions or personalized assistance, please contact our dedicated support team.