Loan Servicing That Works for You

A 1099 is a group of tax forms used to report certain kinds of financial activity to the IRS. For FCC Finance customers, the most common one you  IRS Form 1099-C (Cancellation of Debt). A 1099-C is a form a lender may file when $600 or more of a debt is canceled (forgiven), and a copy is also sent to the borrower.

If you think you should have received a 1099 (or you need another copy), contact our Loan Servicing Team by email: csr@fccfinance.com.

A 1098 is a tax form called a Mortgage Interest Statement. It shows how much interest you paid on your loan during the year. If you paid $600 or more in mortgage interest, your loan servicer reports that amount to the IRS and provides you with a copy of this form.

If you need a copy of your 1098, please contact our Loan Servicing Team by email: csr@fccfinance.com.

To request SCRA benefits, please email our Loan Servicing Team and include:

1. A copy of your military orders (Showing active-duty status)
2. Your loan number and contact information

If you are the borrower, please email our Loan Servicing Team from the email address we have on file for your account. This helps us protect your information and process your request as quickly as possible. You’re also welcome to call in and request that we send you one by mail, email, or both.

If the payoff is being requested by a third party (such as a title company, attorney, or financial representative), we must receive the request by email with one of the following attached:

• A Borrower Authorization signed by the borrower, or
• A valid Power of Attorney document
• Requests without the required authorization cannot be processed.

You have a few easy options to view or request your payment history:

• Online:
  Log in to your account on our website or through the FCC Finance mobile app to view your payment history anytime.
• Request by Email or Phone:
  You can also contact our Loan Servicing Team and request a copy of your payment history.
  • Email: csr@fccfinance.com
  • Phone: (877) 774-4417
  • Payment histories can be sent to you by email or by regular mail, based on your preference.

To request a payment due date change, please give us a call! Due date changes require us to review eligibility and read you a required disclosure over the phone before any change can be made. During the call, we’ll review whether a due date change is available for your account. If it is, we’ll confirm eligibility, read you a disclosure, and answer any questions you might have!

• To request a subordination of mortgage, you may start by emailing csr@fccfinance.com with a Borrower Authorization signed by the borrower. You’re welcome to submit all required items at once if you have them.
• Subordination requests generally require:
  • A Borrower Authorization
  • A prepared Subordination Agreement
  • A loan comparison analysis
  • A Good Faith Estimate or Settlement Statement
  • The applicable subordination processing fee ($250 Check payable to FCC Finance)
  • A return envelope or prepaid return shipping label
• Subordination requests are reviewed once all required items are received and the loan is confirmed to be current. Our team will review the package and follow up with any additional steps or questions.

• To request a mortgage satisfaction letter, you may begin by emailing csr@fccfinance.com with a Borrower Authorization. You may also submit all required items together if available.
• Mortgage satisfaction requests typically require:
  • A Borrower Authorization
  • The applicable processing and recording fee ($250 Check payable to FCC Finance)
  • A return envelope or prepaid return shipping label (for completed documents)
• Once the loan payoff has cleared and the satisfaction is processed, FCC Finance prepares the appropriate release documentation and handles recording in accordance with state requirements. Completed documents are then returned using the provided return method.