Mortgage FAQ's

A: If you were given a copy of your closing documents at settlement, you can find this information in a couple of places within that packet. The first payment date is referenced on the following documents: Monthly Payment Letter, Temporary Payment Coupons. Note: If you do not have your closing documents handy, please e-mail and we will research this information for you.
A: In every closing package, CBC National Bank® includes 3 temporary payment coupons for your use because we do not mail statements after closing. If you were given a duplicate copy of this package, take a moment to see if you can locate it. If you have not received a letter from us in the mail notifying you that we have transferred servicing of your loan to a new lender, you should make your payment to the CBC National Bank® payment processing center located at: 1887 South 14th Street Fernandina Beach, FL 32034 Be sure to include your loan number on the check’s memo line.
A: If you are unable to locate your coupons, please e-mail your request to
A: If you have determined that your first mortgage payment should in fact be made to CBC National Bank®, then you do have the option to pay online. Please visit . You will be charged a non-refundable $25 Processing Fee to use this service. If you opt to proceed and successfully pay online, please send an e-mail to to notify the payment processing department that an online payment was initiated so they will know to apply the payment to your mortgage account.
A: Not only is CBC National Bank® required by law to send what is called a “goodbye letter” when we transfer servicing of your loan, the new lender is required to also send a “welcome letter” as well. Both letters should say essentially the same thing if you read them carefully – when your last payment to CBC National Bank® will be made and when your first payment is due to the new lender. If you are still unsure as to where to send your payment, please send your inquiry to or call 888-699-5715 (e-mail is the preferred method of communication).
A: The new lender will not automatically return those funds to CBC National Bank®. Those funds will get applied to the next payment that is due according to THEIR records. So, we have two options: 1) you can leave the funds with the new lender (which means you will not owe them anything for the upcoming month, but it’s always a good idea to call them to confirm) and issue another check to CBC National Bank® for the current payment or 2) contact the CBC National Bank® servicing department who will issue a formal request to the new lender to have those funds delivered back to us.
A: Please e-mail We will research this and reply as soon as possible with instructions on where to send your bill.