Homeowner Hub: We’re Here for You Beyond Closing
Closing day wasn't the finish line, and Atlantic Bay is still on your team. Rest assured, we're here for you, from managing your mortgage to protecting what you've built.
Quick links for homeowners
Quick access to the info you need. Find helpful guides and resources for navigating common questions after closing.
Manage your mortgage
Owning a home comes with a lot more than a mortgage payment. Use these tools to manage it all with confidence.
Make a mortgage payment
Pay your mortgage online in minutes, any time of day.
Shop homeowners insurance
Compare options and guarantee you’re not overpaying.
Mortgage FAQs
Find quick answers without picking up the phone.
Contact servicing
Ready to talk through your options for your next step? Our local team can walk you through what fits your situation. There’s no pressure and no commitment.
Homeowner resources, guides & tools
Wondering how to lower your payment or find the right coverage? These guides break it all down.
![A couple lying down on a rug using a tablet]()
Remove PMI
Hit 20% equity? Removing PMI could lower your payment.
![A financial advisor meeting with a client]()
Recast Your Loan
A lump sum toward your principal can lower your payment (same rate, same term).
![A couple hugging and smiling]()
Pay Off Your Mortgage Faster
Small changes now can save you years in interest.
Frequently asked questions
Your first mortgage payment is typically due about a month after closing, usually on the first of the following month. Your loan documents list your exact due date, and our servicing team can confirm it if you're not sure.
You can request PMI removal once your loan balance reaches 80% of your home's original value, and it's automatically removed at 78% under federal law. Contact your Mortgage Banker or our servicing team to check your eligibility and get the process started.
You can request a mortgage payoff quote by contacting your Mortgage Banker or our servicing team directly, by phone or email. They'll send a payoff statement with the exact amount owed and instructions for submitting it.
A mortgage recast lets you put a lump sum toward your loan's principal, then re-amortizes your payment based on the new, lower balance while keeping your rate and term the same. It can lower your monthly payment without the cost or hassle of refinancing.
Yes, your monthly payment can change even with a fixed interest rate, usually because of adjustments to your escrow account for taxes and insurance. We'll notify you in advance if your payment is changing and explain why.
You may receive a courtesy copy of your property tax bill for your records, even though your escrow account is set up to pay it directly. As long as your account is escrowed, you don't need to pay the bill yourself. Contact your Mortgage Banker or servicing if anything looks off.
Stay connected with Atlantic Bay
Big decision ahead? Rest assured, a real person at Atlantic Bay is ready to help you think it through.