The servicing of your loan can be sold at any time. When M&T begins servicing your mortgage, we are required to service it in accordance with your loan documents.

Your mortgage will transfer February 4, 2025. Please refer to the Welcome Kit that was mailed to you for complete details. All payments and correspondence regarding your mortgage should be directed to M&T after this date.

You will have a new payment mailing address, as well as a new toll-free customer service number:��

Your new payment mailing address is:

M&T ��������
P.O. Box 62182
Baltimore, MD 21264-2182.

Be sure to include your coupon with your payment.�� If you’ve misplaced your coupon, write your new M&T mortgage account number, which can be found in your Welcome Kit, on your check.

Your new toll-free customer service number is:

Prior to February 4, 2025 please call 1-800-968-7700
Monday – Friday 7:30am to 8:00pm ET & Saturday 7:30am to 4:00pm ET

Beginning February 4, 2025 please call 1-888-668-5353
Monday -Friday, 8:30am to 9:00 pm ET��

M&T �������� was established in 1856 as Manufacturers and Traders ��������. We are a community-focused bank that provides banking, insurance, investments, mortgage and commercial financial services.��The combined company employs more than 22,000 people and has a network of over 1,000 branches and 2,200 ATMs that span 12 states from��Maine��to��Virginia��and��Washington, D.C.

Learn more about M&T �������� >

Find your nearest M&T Branch or ATM >

Your Welcome Kit contains valuable information about the change. Be sure to read it for complete information about the transfer of the servicing of your mortgage and what you can expect during the transfer period.

Your new M&T account number can be found in the Welcome Kit that was mailed to you.��If you have misplaced your Welcome Letter, you can locate your new account number by using the��account lookup tool.

Please see the most recent escrow analysis you received from Flagstar �������� for details.

Yes, you will receive a monthly billing statement. You can expect to receive your first statement in February .

If you prefer to receive electronic statements rather than paper statements, you can enroll online at M&T Online ��������ing.

How to enroll in��eStatements.

M&T provides the following options for making your mortgage loan payments. There are no fees for these services and you do not need an M&T �������� checking or savings account to make payments:

• Enroll in automatic payments.
  • Monthly Drafting��- If you would like to enjoy the convenience of monthly automatic payments, you can enroll in M&T’s automatic payment service by visiting��onlinebanking.mtb.com.��
    
    
  • Flex Drafting��- payments can also be drafted in smaller amounts weekly, every other week or twice a month. Flex Draft enrollment is available at��mtb.com/achenroll. Flex Drafting enrollment timeline may vary.��

Monthly automatic payment enrollment will be available beginning February ��7, 2025

• Pay with M&T Online or Mobile ��������ing.��Schedule your payments to occur on different days, from month to month, when it’s most convenient for you.
• Pay by Phone.��You can also use M&T’s Automated Telephone Payment Service 24 hours a day, 7 days a week by calling��866-241-6014
• Other online payment services.��If you have been making mortgage payments automatically through an online banking service or other provider, you’ll need to update the payee information and account number before your next payment due date
• Pay by Mail or In-Branch.��You will start to receive monthly billing statements from M&T with a coupon to make your payments. If you intend to pay by mail or in-branch it is strongly recommended you enroll in eStatements to avoid mailing delays.�� It’s also recommended any payments be mailed at least 7 calendar days prior to your due date.

Payments should be directed to:

M&T ��������
P.O. Box 62182
Baltimore, MD 21264-2182

Be sure to include your coupon with your first payment to M&T. If you’ve misplaced your coupon, write your new M&T mortgage account number on your check. Payments should be made payable to "M&T ��������".

Yes. Flagstar �������� will forward the payment to M&T �������� and we will credit it to your account. To ensure that your payment is properly applied and that you don’t incur a late fee, please begin mailing your payments to:

M&T ��������
P.O. Box 62182
Baltimore, MD 21264-2182

Payments should be made payable to M&T ��������.

M&T �������� offers two automatic payment options:

1.�������� Monthly Drafting��- If you would like to enjoy the convenience of monthly automatic payments, you can enroll in M&T’s automatic payment service by visiting��onlinebanking.mtb.com.��

2.�������� Flex Drafting��- payments can also be drafted in smaller amounts weekly, every other week or twice a month. Flex Draft enrollment is available at��mtb.com/achenroll. Flex Drafting enrollment timeline may vary.��

Monthly automatic payment enrollment will be available beginning February ��7, 2025

Payments can be scheduled at any time as long as it is on or before the last day of your grace period.

Yes, please ask your insurance carrier to change the mortgagee clause to:

M&T ��������
ISAOA loan # (new M&T loan number)
PO BOX 5738
Springfield, OH 45501-5738

Normally, we review escrow payments once a year at the same time. Your payment may be adjusted as part of the annual review.

If you had an escrow account with Flagstar �������� to pay your taxes and insurance, M&T �������� will continue to pay taxes and insurance on your behalf. We can assure you that the payment of property insurance and/or taxes will not be interrupted as a result of the transfer.

If your insurance or taxes are paid from your escrow/impound account, and the bill is not paid prior to transfer, M&T will pay the tax bill from your escrow account.

An escrow shortage occurs when the funds in your escrow account at the time it is analyzed are less than what is needed to pay future tax and/or insurance payments.

While most bills are paid electronically, you can mail your tax bill to:

M&T ��������
P.O. Box 23628
Rochester, NY 14692

Since M&T �������� pays most tax bills using electronic information, you should contact your local tax office for a copy of your tax bill.

Please call our Tax Department at��1-866-406-0949��and provide the information to one of our representatives. They will document the necessary information so the bill can be paid as soon as possible.

In January 2026, you will receive two mortgage interest statements. One from M&T for activity during the period of time that M&T serviced your mortgage, and another from your prior servicer. You will need to include both mortgage activity statements when you file your tax return.��

Please send in a copy of your orders to report for active duty to:

M&T ��������
Attention: Military Assistance
PO Box 900
Millsboro, DE 19966

See how to enroll in M&T Online ��������ing��-��View our Access My Mortgage Info Demo

If you have submitted an application for loss mitigation assistance, M&T will review your submission.�� Please be advised that M&T may request additional documents to complete the review of your application.

If you have submitted a complete loss mitigation application, but have not yet been approved, M&T will complete the loss mitigation review and send you the determination.

If you were offered a modification and have accepted, or are currently making trial payments, M&T will honor the agreement you entered into with the prior servicer.

If your account was modified prior to the transfer and all system changes were completed, the modification and terms will remain in effect.

Please visit us online at��Mortgage Assistance Programs��for additional information on solutions that may be available to you.