Frequently Asked Questions

A note servicing company is a specialized organization that provides a range of services for managing loan payments and the administration of promissory notes. These companies typically work with borrowers and lenders to handle the day-to-day management of loans, including the collection of payments, record-keeping, and ensuring that the terms of the loan agreement are being followed. Note servicers play a critical role in the loan industry, as they help to ensure that loans are managed in a professional and efficient manner, protecting the interests of both parties involved. They offer a variety of services, such as loan payment processing, delinquency management, loan reporting, and customer support. By working with a note servicing company, borrowers and lenders can benefit from a streamlined loan experience and peace of mind knowing that their loan arrangements are being expertly managed. 

Both borrowers and lenders can benefit from working with a note servicing company.For borrowers, a note servicing company can provide support in managing their loan payments, handling any issues that may arise, and ensuring that the terms of the loan agreement are being followed. This can help to simplify the loan process and ensure a positive experience for the borrower.

For lenders, a note servicing company can provide peace of mind knowing that their loans are being expertly managed. The note servicing company can handle loan payments, track loan performance, and ensure that the loan agreement is being followed, freeing up the lender's time to focus on their core business activities. Additionally, a note servicing company can provide valuable insights and reporting on loan performance, helping lenders make informed decisions about their loan portfolio.

Overall, a note servicing company can provide a range of benefits to both borrowers and lenders, helping to streamline the loan process, promote timely payments, and ensure the integrity of loan agreements.

Integrity Loan Solutions offers a range of services to support the administration of loan payments and the management of promissory notes. These include:

Loan Payment Processing: This includes collecting payments from borrowers, processing payments, and applying payments to the correct loan accounts.

Delinquency Management: This involves working with borrowers who are behind on their payments to help them get back on track.

Loan Reporting: This includes providing detailed reports to borrowers and lenders on loan performance, payment history, and other loan-related information.

Customer Support: This includes providing support to borrowers and lenders regarding their loans, answering questions, and addressing any issues that may arise.

Loan Servicing Software: Many note servicing companies also offer loan servicing software that can automate many of the tasks associated with loan management, such as payment processing and loan reporting. Overall, Integrity Loans Solutions provide a range of benefits to both borrowers and lenders, helping to streamline the loan process, promote timely payments, and ensure the integrity of loan agreements. 

In South Carolina, the Property Taxes are due in January. The preceding month and the month taxes are due, can be complicated to close in. Some Lenders may require 12 months if you close in these months to ensure taxes are paid. In the following month if taxes are paid, 2 months reserves will suffice. 

Please see the escrow chart for further explanation.

Please Note: The Borrower is responsible for insurance the first year the note is managed by Integrity Loan Solutions. An insurance reserve of 2 months will suffice.

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To manage a note on a monthly a basis, we charge the following:

Non Escrowed File: $40.00 per note

Escrowed File: $45.00 per note.

There are not any additional fees to pursue late payments. Integrity Loan Solutions keeps all late fees to cover the labor and correspondence to pursue the late payments.

 For set up fees, we charge the following:

File without an Escrow: $150.00 per note

File with an Escrow:  $175.00 per note

Contracts are not required to use our services. We strive to provide you with exceptional customer service. If you are not satisfied with our services, we would like to be given the opportunity to address any issues. We require a 60 day notice to terminate your services. 

Yes, borrowers can make their mortgage payments online here.