Frequently Asked Questions (FAQs)
If you have questions about your loan with First Savings Bank and would like to speak to someone, please give us a call at (866) 621-9119. Our team members are available Monday – Friday 8:00 am – 9:00 pm ET and Saturday 8:00 am – 12:00 pm ET to help you.
Servicing and Payment Contact Information
General Frequently Asked Questions
Servicemembers Civil Relief Act
Year End Tax Statement
Is the ‘Year-End Statement’ the same as my IRS Form 1098, Mortgage Interest Statement?
Yes! However, you may also have a second ‘Year-End Statement’ entitled 1099INT if the property for your loan is located in a state that requires interest to be paid on the balance in your escrow account. If your state requires interest on escrow to be paid, you will see that a 1099INT statement is available to you online. These statements will also be mailed on or before January 31st each year.
Can I obtain a duplicate copy of my IRS Form 1098, Mortgage Interest Statement or 1099INT (if applicable)?
Yes! You can log into your online account and view or print a copy of your IRS Form 1098, Mortgage Interest Statement or 1099INT (if applicable).
Why didnt I receive an IRS Form 1098, Mortgage Interest Statement?
Although there could be several reasons why you may have not received your Year-End Statement, the most popular reasons are either your mailing address has changed or you had not yet paid interest on your mortgage loan on or before December 31st. If you believe your mailing address on file is incorrect, please contact us at (866) 621-9119. Our hours are Monday - Friday 8:00 am - 9:00 pm ET and Saturday 8:00 am - 12:00 ET. It is also possible that you may be exempt from receiving an IRS Form 1098, Mortgage Interest Statement. Please consult your tax or financial advisor if you have questions related to exemptions.
Why does the ‘interest’ box on my IRS Form 1098, Mortgage Interest Statement not show the interest I expected for a calendar year?
If your loan was serviced by another loan servicer between 1/1/18 and 12/31/18, you may receive an IRS Form 1098 Mortgage Interest Statement from them as well. Please contact your previous loan servicer to verify if you can expect a second statement. If any payments on your account were received on or after January 1st, 2019, the interest for those payments is not reportable to the IRS until the next reporting period in 2019. If any payments on your account were received on or before December 31st, 2018, the interest for those payments would have been included in your 2018 IRS Form 1098, Mortgage Interest Statement.
How do I find a breakdown of all interest paid for a calendar year?
You can find this breakdown by viewing your payment history online. Log into your online account and select the ‘Transactions’ link located in the tool bar at the top of your screen, then select ‘Interest’ and the calendar year you are wanting.
What if I have a question regarding my Year-End Statement?
If you have a question regarding any information on your Year-End Statement, you may email us at [email protected] We ask that you please include your loan number, the reason for your inquiry, and any supporting documentation (if available) so that we can research and reply to your inquiry in a timely manner.
Are there any deductions that I can claim on my income tax return?
In general, mortgage interest on first and second homes can be deductible for taxpayers who itemize deductions on their tax returns. However, please consult your tax or financial advisor or visit www.IRS.gov for IRS Form 1098, Mortgage Interest Statement information.