Payment FAQ

Payment FAQ

  1. When is my payment considered late?
    Your payment is due in our processing center on or before the due date. It is considered late the following day.
  2. Do I have a grace period?
    No. The time between the due date and the assessment of a late charge, normally 15 days, is not a grace period. It is a convenience to allow for such things as mail delays, weekends and holidays.
  3. What if my payment is postmarked before the assessment date?
    We do not consider the postmarked date. According to your mortgage documents, the date we receive your payment is the date we use to determine whether a late charge is assessed.
  4. Are late charges ever waived?
    Late charges normally are not waived unless documentation can be provided which proves we received your payment on or before the date the late charge was assessed. Proof normally consists of a copy of the front and back of your canceled check or money order. If the check or money order is endorsed prior to the assessment date, the late charge will be waived.

eStatus FAQ

To use eStatus you must at a minimum, be using Internet Explorer version 5.0 or greater and it is required that Internet Explorer be using 128-bit encryption, set to accept cookies, and Java scripts need to be enabled.

**Note** When selecting an eStatus password, both alpha and numeric characters (letters and numbers only) must now be used. No other types of characters will be accepted. Also, passwords must be from a minimum of 6 characters to a maximum of 8 characters long. Incorrectly entered passwords will receive the following error message: "Password is required to consist of alpha and numeric characters. Please try again.”

What is eStatus?

24-7 access to your account information!

  • Current loan balances
  • 12-month payment history
  • Year-to-date totals
  • Payment due dates
  • And a whole lot more!

Don't forget...
By registering for eStatus you will, also, be able to PAYyour mortgage online with AutoPay.

What does it mean when I try to log on to eStatus and I get an error message which states: " Unable to connect to data source?”
This will occur when our database is down for maintenance. This happens infrequently during normal business hours. However, we do bring our system down on a daily basis, around 5 pm, for a data backup and end of day processing. This interruption normally lasts only around ten minutes.

Why am I getting the message "The Page Cannot Be Displayed" message when trying to view eStatus on your Web Site?
This may occur if your computer is not using 128-bit encryption.
To determine the current level of encryption on your computer, click About Internet Explorer on the Help menu. The level of encryption on your computer is displayed next to the words "Cipher Strength."

If the cipher strength on your computer is not 128 bits, download and install the encryption pack appropriate for your operating system to upgrade your computer to 128-bit encryption.

To locate the Internet Explorer High Encryption Pack and other updates for Microsoft’s Internet Explorer, click on: http://www.microsoft.com/windows/ie/default.asp

What are cookies?
Cookies, small text files stored on your hard disk, contain data you provide or information about the choices you make when visiting a Web site. In order to sign in to eStatus, your Web browser must be set to accept cookies.

How do I enable cookies?
If you are running Microsoft Internet Explorer, go to ‘Tools’ and select ‘Internet Options’ and when that window pops up click on the security tab, then there should be a custom level button. Click that and you get a list of options. Look for the one like "Allow cookies that are stored on your computer" either enable it or set it to prompt you.

How do I check Internet Explorer to see if it is configured to run Java programs automatically?
First, you must be using at least Internet Explorer 5.0. Open ‘Internet Explorer’ to any website (for example, http://www.stanmor.com ). On the ‘Tools’ menu, click ‘Internet Options’, click the ‘Security’ tab, click the ‘Internet’ Web content zone, and then click ‘Custom Level’.

In the ‘Settings’ box, under ‘Java Permissions’, make sure ‘Disable Java’ is not selected, click OK and then click OK again.