Frequently asked questions and answers

Fifth Third Bank offers many options for both traditional and specialized loans.

To apply for a mortgage, you will need to fill out an application and provide your lender with documentation to verify your employment history, creditworthiness and overall financial situation. Contact a Mortgage Loan Specialist to learn more and begin your application process.

It is possible to take out additional mortgages on your home. A second mortgage is a home loan that is subordinate to an existing mortgage you may have, either used to extend financing for a home purchase or to tap equity after you obtain your primary financing. Contact a Mortgage Loan Specialist to learn more.

It is quite common in the mortgage industry to transfer the servicing of mortgage loans to another institution and is in no way a direct reflection on you.

Mortgage servicing transfer is when the mortgage servicing is sold from one servicer to another. The terms of the loan do not change. Only who the payment is made to and where it’s sent changes.

Your loan is already in the transfer process, so we will work hard to earn your trust. We hope you will be happy with this change.

No, if Fifth Third Bank purchases your loan, the terms of your loan do not change. Only your account number and who you make the payment to changes after the transfer date.

No, your prior servicer will contact your insurance company and taxing authority to give them Fifth Third’s information if necessary. If you currently escrow for taxes and receive a copy of the tax bill, you may contact us in one of the following ways: 

Phone Number: 855-388-9260
Fax Number: 440-424-5319
Borrower website:  FifthThird.ProvideMyInsurance.com

If you currently escrow for insurance and receive a copy of the insurance bill, please forward to: Fifth Third Bank ISAOA/ATIMA, PO Box 391197, Solon, OH 44139-8197.

Yes, you can access loan information online by setting up an online account with Fifth Third Bank. Please note that it may take up to 72 hours after the transfer takes place before your account information will be shown on any of our systems.

If you were not a pre-existing Fifth Third Bank customer, you can establish your online credentials by visiting us at 53.com and selecting Register next to First Time User? For your security, you will be required to reference your loan documents to answer verification questions.

If you were a pre-existing Fifth Third customer, you will need to use one of the following as your User ID for first-time log in:
Fifth Third Debit Card Number
Fifth Third ATM Card Number
Fifth Third Credit Card Number

You will need to enter one of the following for your initial Password:
ATM Pin
Temporary ATM PIN

You may also contact us at 1-800-972-3030 Monday through Friday, 8 a.m. to 6 p.m. ET and have your mortgage account number handy.

Once you sign up, you’ll have access to your account information like loan balance, payment amount, payment due date, payment history, escrow account information, interest information, and much more.

Yes, you will receive a billing statement from Fifth Third Bank after the transfer date.

Don’t worry! Your previous servicer will forward your payment to Fifth Third Bank for 30-60 days after the transfer date. After that time, they may return your payment to you.

Update your mortgage payee information with Fifth Third’s routing number (042000314) and your new mortgage account number.

Your automated monthly payments will be transferred to Fifth Third Bank if your prior servicer allows for the ACH transfer. Please refer to the goodbye letter you received from them. If they allow for the ACH transfer, the automatic payment feature will be set up for you automatically. If this is not the case, you will find an Automatic Payments Quick Form in the back of the brochure you can use to enroll. You can also find the form online at 53.com/autobillpayer.

We offer many convenient, hassle-free ways for you to make your monthly mortgage payment.

• Set Up Automatic Payments: Have your payment automatically deducted each month from any checking account. Enroll today at 1-800-837-2000. If the due date falls on a weekend or holiday, your payment will be deducted the business day prior to the weekend or holiday.
• Make Your Payment Online: Sign in to Online Banking to easily make your monthly payment. Payments can be initiated from both and internal or external depository accounts. Simply visit 53.com and get started. If you do not have Internet Banking access, call us at 1-800-972-3030.
• Mobile Banking: Customers can download the Fifth Third Bank Mobile App from the App Store. Monthly payments can easily be made by transferring funds from your Fifth Third Bank checking or Savings account. Payments can also be initiated from external depository accounts that have been previously registered on 53.com.
• Send a Check: Fifth Third Bank, PO BOX 630412, CINCINNATI, OH 45263-0412. Please make check payable to Fifth Third Bank and be sure to include your loan number.
• In Person: Visit any Fifth Third Bank banking center to make your payments in person.
• Pay by Phone: Call an agent to make a payment over the phone, Monday through Friday, 8 a.m. to 6 p.m. ET at 1-800-972-3030. There may be a fee for this option where legally permitted.

Yes, if you currently have an escrow account for your tax and/or insurance payments, they will continue to be collected and paid by Fifth Third Bank from your escrow account.

All escrow balances (positive and negative) are transferred to Fifth Third Bank.

If your loan is escrowed for taxes and/or insurance and these amounts are due during the transfer period, your previous servicer will make these payments on your behalf. Fifth Third Bank will make any necessary payments after that from your escrow account.

Your escrow analysis date may change. You will receive a new escrow analysis statement within 60 days of the transfer date.

No, your prior servicer will contact your insurance company and taxing authority to give them Fifth Third Bank’s information if necessary. If you currently escrow for taxes and receive a copy of the tax bill, you may contact us in one of the following ways:

Phone Number: 855-388-9260
Fax Number: 440-424-5319
Borrower website: https://www.expressinsuranceinfo.com/3142240

If you currently escrow for insurance and receive a copy of the insurance bill, please forward to: Fifth Third Bank ISAOA/ATIMA, PO Box 391197, Solon, OH 44139-8197.

Call us at 1-877-366-5520.

Please contact Fifth Third Bank to learn about your SCRA benefits at 1-877-899-0815.

If you have questions before the date of the transfer, your current servicer will answer your mortgage servicing questions. After the transfer date, please contact Fifth Third Bank in one of the following ways:

• Contact a Mortgage Loan Specialist
• Find a Branch
• Schedule an Appointment
• Explore our Website: 53.com/mortgageinfo
• Call our Customer Service Toll Free Number: 800-473-6934
• Call our Automated Phone System: 800-972-3030
• Reach out about Loss Mitigation Inquiries: 877-366-5520
• Send payments to our Payment Address: PO Box 630412, Cincinnati, OH 45263-0412
• Mail Written Inquiries/Request for Information: 5050 Kingsley Drive, MD 1 MOCFP, Cincinnati, OH 45227