Your year-end tax statement summarizes the previous 12 months of payments, taxes, and interest. You’ll probably want to have a copy of this when you file your taxes.

Typically, it will be available online around the middle of January. If you are not signed up for Paperless, your statement will be mailed to you by January 31st.

As soon as it’s available, your year-end tax statement can be found in the “Statements” section.

If your loan was transferred during the prior year, you’ll receive statements from RightPath Servicing and your previous lender no later than January 31st.

Should you need it, our tax ID number is 75-2921540.

Common Questions

Sometimes, your statement may differ in some ways from what you were expecting. Here are some common questions that we can hopefully clear up for you.

Where is my 1099 INT?

A 1099 INT is a statement provided by any person or organization that pays interest income. If you didn't receive a 1099 INT, it's because you were either paid less than $10.00 in accrued interest or your interest income was paid on January 2nd, so you won't receive one until next year.

Was my interest reported incorrectly?

If you believe your interest was reported incorrectly, here's what to do:
Review your payment history to see how it was applied. Pay special attention to the effective dates of when it was applied for the year. That could explain why the amount is different than you expected.
If you had payoff interest from a short sale, check to see if it's applicable and reportable. It may not be reportable, which could be the reason for the different amount. We recommend you consult with a tax advisor to find out.

Is it a problem if my name or address has changed?

If your name and/or address changed from what's shown on the year-end tax statement, don't worry. This doesn't affect the reporting to the IRS, so you don't need a corrected 1098.

Why isn't my name on my year end tax statement?

If you signed the note but your name isn't on the year-end tax statement or 1098, here's why: Only the primary borrower's Social Security number is reported.

To switch the order of the names and the reporting for future statements, you'll need to complete an Affiliation Change Agreement(Opens a new window) or call 833-685-2589.

The form is short and simple. Once it's completed and signed, it must be notarized and sent back to RightPath Servicing:

RightPath Servicing
P.O. Box 612488
Dallas, TX 75261-2488

After we receive the request, it will be processed within 5 to 7 business days.

Why is my tax or insurance lower than expected?

If you're wondering why the tax and/or insurance amount on your year-end statement is lower than what you expected or what was actually disbursed from your account, this could help explain it. The word disbursed refers to what was paid using the funds in your escrow account. On your year-end statement, the amount is based on disbursements minus any refunds received.

On our statement, only the gross amount of disbursements is provided. We don't subtract refunds. You can verify any amounts paid for taxes and or insurance by contacting your tax authority or insurance company, or by looking at the payment history on your year-end statement. If you have any questions, please contact Customer Service at 833-685-2589.

Frequently Asked Questions

What Is the Difference Between a 1098 and 1099?

The Form 1098 - also known as Mortgage Interest Statement - is used to report the amount of interest and related expenses you paid on your mortgage during the tax year. The purpose of a Form 1099 is to record types of income received from sources other than your employer, the discharge of a debt, or to notify that an event took place.

There are several types of Form 1099, but these are the only types we would send you, if necessary:

  • 1099-A: Used to alert the IRS that an event took place (foreclosure, deed in lieu of foreclosure, etc.)
  • 1099-C: Needed when a debt is cancelled, forgiven, or discharged.
  • 1099-INT: Needed when your escrow account earns $10 or more in interest during the previous year.
  • 1099-MISC: Needed when customers received $600 or more in cash benefits.

What Happens if I Transferred to RightPath Servicing from Another Servicer?

You'll receive statements from both RightPath Servicing and your previous servicer.

Why Did I Receive Two Statements?

If you refinanced your loan during the previous year, you'll receive two statements, one from each servicer, for each separate loan number.

Where Is My 1099-INT?

If you didn't receive a 1099-INT, it's because you were either paid less than $10.00 in accrued interest in your escrow account or your interest income was paid on or after January 2nd, so you won't receive one until next year.

What Happens if My Interest Is Reported Incorrectly?

If you believe your interest was reported incorrectly, please review your payment history to see how and when your interest payments were applied. If you see any discrepancies, please contact us so we can research the payments.

Where Can I Find My Prior Years' Statements?

On the "Statements" page, select the dropdown to choose which year you want to view. If you were with a different servicer previously, you'll need to contact them for the statement(s).

Is It a Problem if My Name or Address Has Changed?

If your name and/or address changed from what's shown on the year-end tax statement, it doesn't affect the reporting to the IRS, so you don't need a corrected 1098.

Why Isn’t My Name on My Year-End Tax Statement?

If you signed the Note but your name isn't on the year-end tax statement or 1098, here's why: Only the primary borrower's Social Security Number is reported.

To switch the order of the names and the reporting for future statements, you'll need to complete an Affiliation Change Agreement.

Please send the signed and notarized form back to us at:

RightPath Servicing
Attn: Research
PO Box 612488
Dallas, TX 75261

After we receive the form, we'll process it within 5-7 business days.

Why Is My Tax or Insurance Amount Lower Than Expected?

The amount on your year-end tax statement is based on disbursements - payments from your escrow account - minus any refunds received. You can verify any amounts paid for taxes and/or insurance by looking at the payment history on your previous monthly statements or by contacting your taxing authority or insurance company.