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1. Is there a charge to use Mortgage Manager?

   Old National Mortgage Manager is a free service for Old National Mortgage clients. All you have to do is have Online Banking.

   If you don't currently have Online Banking and want to enroll, see our FAQ: How do I enroll in Online Banking and Mobile Banking?

   Please note that you will need your Mortgage Loan Account Number to get started in Mortgage Manager.

   Visit our Mortgage Manager page to learn more and find guides for using Mortgage Manager.

2. How can I find year-end tax information for my mortgage?

   The fastest way to find year-end tax information is within Mortgage Manager after you log in to Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Taxes report.

   In addition to providing information in Mortgage Manager, we also mail all year-end statements by January 31.

3. How do I know what a monthly mortgage payment will be?

   Your monthly payment will depend on a number of factors, even beyond the price of the home and your down payment. You’ll also need to take into account taxes, insurance and any other fees included in the payments, as well as loan details like the length of the loan and the interest rate.

   While your payment will be determined based on the specifics laid out in the mortgage, you can estimate the amount of a mortgage payment by using our helpful mortgage-payment calculator.

4. What is an SBA loan?

   SBA loans are guaranteed by the US Small Business Administration (up to a certain amount) and are issued by participating lenders, mostly banks. Old National is recognized as a Preferred Lender by the SBA and has many years of experience with the SBA 7(a) program, the SBA Express program and the SBA 504 program.

   SBA program benefits include smaller down payments, longer maturities with no balloon payment and fixed or floating rates. SBA loans typically provide more flexible financing at competitive terms that you might not otherwise qualify for. To learn more about SBA loans at Old National, please visit our SBA Loans page.

5. Can I use Zelle® internationally?

   In order to use Zelle^®, the sender's and recipient's bank accounts must be based in the U.S.

6. What are financial scams I should be aware of?

   What you need to know:
   Scams fall into a couple of categories, Advanced Fee Scams & Bank and Financial Account Scams.

   • Advanced Fee Scams – based on the concept that the victim is promised a benefit (prize, lottery winnings, inheritance) but must pay in advance for some fee before the victim can receive that benefit. Variations of this scheme include business opportunity/work, credit card interest reduction, work from home online scams and romance schemes.
   • Bank and Financial Account Scams – involve tricking individuals into providing their debit card, credit card or financial account information so that scammers gain unauthorized access to those account and siphon off funds. Some of these techniques include:
     • Phishing – use of email and websites that pretend to be legitimate banks, financial institutions, credit card companies and manipulate the victim into disclosing personal and financial data
     • Vishing – telephone equivalent of phishing; fraudsters call prospective victims and pretend to be the victim’s bank to trick them into disclosing details during the call
     • SMiShing – texting equivalent to phishing

   Types of Scams:
   IRS Scams: Scammers call potential victims demanding cash payments for unpaid taxes via prepaid debit cards, money orders, Western Union/Money-gram or wire through their bank. According to the IRS, the agency will first contact taxpayers by mail, not by phone, concerning taxes owed and it will never as for payments using a prepaid debit card, money order or wire transfer. 

   Online Dating Scams: Scammers troll media sites in search of romantic victims-usually claiming to be Americans traveling or working abroad. Here is how the scam works. You are contacted online by someone who appears interested in you. They may have a profile and email you pictures. For weeks, even months you may chat back and forth forming a connection. You may even be sent flowers or other gifts. Ultimately, your new “friend” will request money. There will be repeated hardships that only you can help alleviate. You may also be sent checks to cash or forward a package. In addition to losing your money, you may have unintentionally taken part in a money laundering scheme by cashing phony checks and sending the money overseas and by shipping stolen merchandise. 

   Grandparent Scam: A grandparent receives a call from a “grandchild”, typically late at night or early in the morning. The caller claims to be traveling out of the country and is in a bad situation (arrested for drugs, car accident, mugged) and needs money wired ASAP. The caller does not want his or her parents called. A variation is the caller claims to be an arresting police officer, lawyer or doctor and requesting money. 

   Online Shopping Scams: These can take many forms. Some scammers will pose as genuine sellers and post fake ads at much lower prices. After you pay, the items never arrive. Other scammers will pose as buyers and send a check for more than the required payment and ask for a refund. You send the refund and the check comes back as fraudulent. You are out the item and the amount of the refund. 

   What you need to do:

   • Become familiar with common fraud scams
   • Know who you are receiving checks from before you deposit them
   • Never pay anyone to receive a deposit
   • If someone calls you and attempts to obtain sensitive information or scam you, hang up

   If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

7. What is mortgage pre-qualification?

   Mortgage pre-qualification enables you to begin the application process and gain helpful information even before you start looking at homes. 

   With pre-qualification, you’ll know how large of a mortgage you can may qualify for, which means you’ll know what pricepoint you’ll be looking in. You’ll know your spending limit, and will also be a more attractive buyer to sellers (because they will know you’ll be able to receive the financing you need to buy the property).

   While pre-qualification isn't actual approval, it can help speed up the approval process when you find the perfect home. Getting pre-qualified is quick and easy, and you can have an answer in minutes.
   
   Talk to a mortgage expert about getting pre-qualified.

8. What are the different types of ownership for a business?

   The most common structures for a business are Sole Proprietorship, Limited Partnership, Limited Liability Partnership, Limited Liability Company, S-Corporation and Corporation.

9. How does a sub-user activate their account for Shared Access?
   As a subuser, you have the ability to access another person's account, based on the entitlements granted to you. 
   
   The primary user will setup your access. 
   
   You will be sent an email with your temporary password to the email address the primary user setup and a second email with your temporary ID. 
   
   Within 30 minutes of receiving the email, click on the link to complete the setup. 
   
   Read and accept the terms and conditions. 
   
   Verify your identity by receiving a call from the phone number provided by the primary user. 
   
   Setup a new password. 
   
   Once logged in, if you want to change your ID, click My Settings and Edit User ID. 
   
   If you forget your password or have questions regarding your access, please contact the primary user.
10. How can I see when property taxes are paid from my mortgage escrow?

    Payment information for property taxes is available in Mortgage Manager within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

    To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.

    To see when future payments will be made, Select the drop down arrow located next to the escrow item and it will expand with detailed information.

    Property tax payments are also reflected in your year-end statement, to be mailed by January 31.