Your monthly payment can change depending on whether your account is escrowed or non-escrowed:
 
Escrowed Accounts
 
The most common reason for a payment change is an increase in property taxes or homeowners insurance premiums.
You can learn more by reviewing your escrow analysis, which explains how these changes affect your payment.
 
Non – Escrowed Accounts
 
If your account is not escrowed, your payment may change due to a loan modification, loan recast, or a scheduled interest rate adjustment.
 
To see the exact details, check your latest monthly statement.

We accept payments from the following account types and instruments:
♦ Checking accounts
♦ Savings accounts
♦ Money market accounts
♦ Personal checks
♦ Money orders
♦ Cashier’s checks
 
Payment Methods Available
 
You can make payments using these convenient methods:
♦ Recurring monthly payment
♦ Online payment at ADHome
♦ Phone
♦ Mail
♦ Wire transfer

Note: We do not accept debit or credit card payments at this time.

 
You have a grace period after your payment due date during which you can make your payment without incurring a late fee.
 
♦ The length of the grace period is specified in yourLoan Note.
♦ You can also check your monthly statement to see when late fees may begin to apply.
 
Late Payments
 
If your payment is not received within the grace period , a late fee will be charged to your account, as outlined in your Loan Note.

Tip: To avoid late fees, consider setting up recurring monthly payments.

 
Setting Up
 
You can set up recurring payments in two ways:
 
♦ Log in to your ADHome online account and enable recurring payments. Payments will be automatically deducted starting next month.
♦ Alternatively, download and complete the ACH form, then email it along with a voided check to servicing@admortgage.com for faster processing.

Note: If you set up autopay after your grace period ends, make sure the current month’s payment is covered.

 
Example:
Your grace period is 16 days, and you schedule autopay for 01/20/2025. Since this date falls outside the grace period, a one-time payment will be needed to cover January. The autopay scheduled for 01/20/2025 will then apply to your February payment.
 

There is no fee for setting up recurring payments.
 
Making Changes
You can update your bank details, change your payment date, or cancel recurring payments through your online account.
If you need help, feel free to give us a call.
 

Unexpected Changes to Payment Amount
 
Your automatic payment amount may change due to:
♦ Escrow shortages
♦ Interest rate adjustments
♦ Active mortgage assistance programs

 
If this happens, we’ll update the payment amount accordingly.

 
♦ Through your ADHome online account(link)
♦ Or by calling us directly
 

There is no fee for making a one-time payment.

 
Types of Payments You Can Submit
 
We accept the following payment types:
♦ Monthly payment
♦ Principal-only payment
♦ Additional escrow payment (to cover shortage or make an additional deposit)
♦ Fees-only payment
 

You can submit up to $20,000 in a single transaction.
For payments over $20,000, please use a wire transfer.

 
♦ Make your check payable to A&D Mortgage.
♦ Include your loan number in the memo line.
♦ If you’re sending additional funds for principal-only or escrow, please clearly indicate the purpose on the check.
 
Mailing Addresses
 
Regular Mail:
A&D Mortgage LLC
PO Box 661230
Dallas, Texas 75266-1230
 
Overnight Mail:
A&D Mortgage LLC
3000 Kellway Dr., Suite 120
Carrollton, Texas 75006
 

Note: Checks may take time to be delivered and processed.

Tip: Setting up recurring monthly payments can help you avoid late fees.

 
An amortization schedule is a detailed breakdown showing how each monthly mortgage payment is applied toward principal and interest throughout the life of your loan.
 
How to access your amortization schedule?
You can request your original or current amortization schedule by emailing servicing@admortgage.com.
 
Impact of Extra Payments
Making additional payments toward your principal balance can help you:
♦ Shorten the term of your mortgage
♦ Reduce the total interest paid over time
 

Note: To significantly reduce your loan term, your extra payment should be equal to or greater than the principal portion of your current monthly payment.

 
This doesn’t mean you can’t submit smaller amounts — just keep in mind that the change may not be immediately visible.