> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/underwriting-borrowers/credit-assessment/mortgage-payment-history/standard-mortgage-verifications-from-servicers.md).

# Standard Mortgage Verifications from Servicers

When a underwriter relies on standard mortgage verifications from servicers or holders, it must ensure that the verifications include: 

* the unpaid principal balance of the mortgage and monthly payment amount;
* the present status of the mortgage, such as current, 30 days’ delinquent, etc.; and
* the borrower’s payment history.

When a servicer fails to provide all of the requested information, the underwriter must rely on information provided through the borrower’s canceled checks. The checks must: 

* be legible,
* identify the mortgage servicer or mortgage holder as the payee,
* indicate that the servicer or holder endorsed the check for deposit, and
* indicate the date the servicer or holder deposited the check.