EASY SUPPORT

General Lending 1

• How can I apply for a loan at Republic Bank?

Mortgage Assistance & Repayment Options 2

• What can I do if I am having difficulty paying my Republic Bank mortgage payments?
• What are the most common mortgage assistance options I may qualify for?

Loan Payments 6

• How soon will a late charge be assessed to my loan when my payment is late?
• I want to pay my Revolving/Home Equity Line of Credit down to a zero balance but would like to leave it open for future use. What do I need to do?
• Is the “Pay to Zero” amount the same as my principal balance?
• What do I do if I can't make my loan payment?
• What is the best way to pay my Republic Bank loan?

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Loan Payoff 6

• Can I request a payoff quote in the Republic Bank Mobile app*?
• I am ready to payoff my loan. Do I need to request a payoff quote?
• What happens to the funds in the escrow account after my loan is paid off?
• Once I order a payoff quote, do I need to continue making the regular monthly payments?
• Can I payoff my loan with an on-line payment?

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Escrow 26

• Where do I send my property tax bill?
• What is the mortgagee clause?
• I received a letter requesting proof of insurance (force place).
• Do I have to pay my escrow shortage?
• Why did my payment still go up even though I paid my escrow shortage?

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Homeowner Insurance 6

• What's homeowner's insurance?
• Why does Republic Bank Home Mortgage require at least 100% repair or replacement cost coverage?
• What if I don't have enough coverage?
• How can I prove that I have adequate insurance?
• How do I pay my homeowners insurance premiums?

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Mortgage Insurance 6

• What's mortgage insurance premium (MIP) and private mortgage insurance (PMI)?
• How do I pay for MIP or PMI?
• How do I know if I have MIP or PMI?
• When can my MIP be removed?
• When can my PMI be removed?

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Flood Insurance 11

• What's flood insurance?
• Who determines if my house is in a Special Flood Hazard Area?
• Can I purchase flood insurance even if it's not required for me?
• What are the coverage requirements for flood insurance?
• What do I have to send you to prove I have adequate insurance?

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Lender-Placed Insurance 6

• What's lender-placed insurance?
• What's the difference between lender-placed insurance and insurance I purchase myself?
• Will Republic Bank purchase lender-placed insurance without my knowledge?
• How will I be billed for lender-placed insurance?
• Can I cancel lender-placed insurance?

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Aircraft Lending 14

• How do I apply for an aircraft loan?
• Why should I use Republic Bank & Trust for my aircraft lending needs?
• Can I be pre-approved prior to making an offer on an aircraft?
• How much are the closing cost for an aircraft loan?
• Do I need my complete Tax Return to apply for an aircraft loan?

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