Q: Q: How can I have the ZIP code on my mortgage documents changed? What should I expect?
Live in Atlanta, Fulton County, 30324. Have a condo for 15 years, 15 left to go. The servicer on my mortgage has just changed and I've discovered that the ZIP code on my mortgage documents is wrong - it's listed as 30304 when it should be 30324. What should I do to have it corrected and what can I expect in the process; i.e. will any work need to be done with the title? A complete redo of the paperwork? Another inspection?
Here's something else: I have a copy of the mortgage paperwork given to me at the beginning of the closing with the wrong ZIP code. While my memory is a bit fuzzy, part of me thinks we may have handwritten and initialed the correct ZIP code at the closing on the lender's copy which I signed and initialed. Since the ZIP code was the only change made, I may not have felt I needed a new copy of the paperwork made for me. If the edit was made on paper at the closing, it may have just not been changed in the digital records of the lender and/or mortgage servicer.
A: Unless there is an actual problem, I recommend that you do nothing. There are multiple ways to corroborate the documents to your property. For example property description, the rest of the address, your name, the seller's name, previous documents in the clerk's file with the correct zip code.
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