Payments and Billing
How do I register for an online account?
Can I make a one-time payment online?
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.
How do I set up automatic payments?
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.
What payment options are available?
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.
When is my payment due?
Your payment due date is specified in your note/mortgage. You can also find it on your billing statement.
Where should I send my real estate tax and homeowners insurance premium bills?
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- Mail them to: CUSO Home Lending Attn: Servicing PO Box 663 Hampden, ME 04444
- Email them to service@cusohl.com
What payment options does CUSO offer?
- 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- ACH payments automatically withdrawn from your chosen checking or savings account.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
How can I access my 1098/1099 End of Year Statement information?
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
What is CUSO’s mailing address?
- CUSO Home Lending
- PO Box 663
- Hampden, ME 04444
- CUSO Home Lending
- 101 Western Avenue
- Hampden, ME 04444
Mortgage Insurance
What is Private Mortgage Insurance (PMI)
Can I request PMI cancellation?
Yes, you can request PMI cancellation on or after either of these dates:
- The date the principal balance of your loan is first scheduled to reach 80% of the original value of the property or
- 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
I've encountered an insurance loss. How do I proceed with repairing my home?
- 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.
How can I benefit as a first-time homebuyer with CUSO?
What should I consider when refinancing my home with CUSO?
For any other questions or personalized assistance, please contact our dedicated support team.
