What Green Tree Investors Does and How They Work With Property Owners
Green Tree Investors buys mortgages and manages loan servicing for residential properties across South Carolina
Green Tree Investors is a mortgage servicer—a company that collects your monthly loan payments, manages escrow accounts for taxes and insurance, and handles customer service on behalf of the bank or investor who actually owns your mortgage. If you have a residential mortgage in South Carolina, your loan may be serviced by Green Tree Investors even if you originally borrowed from a different lender.
Green Tree Investors does not make the initial loan decision or set your interest rate. Instead, they step in after the loan closes to handle the day-to-day administration. This means your monthly payment goes to Green Tree, they forward the principal and interest to the loan owner, and they manage the escrow account that pays your property taxes and homeowners insurance when those bills come due.
The company also handles loan modifications, forbearance requests, and loss mitigation if you fall behind on payments. If you are struggling with your mortgage, Green Tree is often the first point of contact, though the decision to modify your loan ultimately rests with the investor who owns it.
Key Takeaways
- Green Tree Investors collects your monthly mortgage payment and manages escrow for taxes and insurance, but does not own your loan.
- You can contact Green Tree to discuss payment options, loan modifications, or forbearance if you are having trouble making payments.
- Green Tree services residential mortgages across South Carolina and can be reached by phone, mail, or through their online portal.
- If your loan is sold to another servicer, Green Tree will transfer your account and provide information about the new servicer.
- Loan modification decisions are made by the investor who owns your mortgage, not by Green Tree, though Green Tree can submit your request.
How to contact Green Tree Investors about your mortgage
Your mortgage statement or loan documents will list Green Tree's phone number and mailing address. You can call to ask questions about your balance, payment due date, escrow account, or to discuss options if you are behind on payments.
Green Tree also offers an online portal where you can view your account, make payments, and upload documents for loan modification requests. To access the portal, visit Green Tree's website and look for the login section. You will need your loan number and other identifying information to set up an account.
If you prefer to write, you can mail correspondence to the address on your statement. Green Tree is required to respond to written requests within a set timeframe, so sending a letter creates a paper record of your communication.
What to do if you are behind on payments
Contact Green Tree as soon as you know you will miss a payment. Do not wait until the payment is already late. Green Tree can discuss forbearance, which temporarily reduces or pauses your monthly payment, or a loan modification, which changes the terms of your loan to make payments more manageable.
Forbearance is usually temporary—typically three to twelve months—and you will owe the paused payments back later, either as a lump sum or added to future payments. A loan modification is permanent and may lower your interest rate, extend your loan term, or add missed payments to your loan balance.
To request either option, you will need to provide financial information showing your current income, expenses, and hardship. Green Tree will submit your request to the investor who owns your loan. The investor makes the final decision, though Green Tree can explain what options may be available based on your situation.
Understanding escrow and property tax payments
If your mortgage includes an escrow account, Green Tree collects a portion of your monthly payment and holds it to pay your property taxes and homeowners insurance when those bills arrive. This means you do not pay these bills separately—Green Tree handles them as part of your loan servicing.
Each year, Green Tree reviews your escrow account to make sure the amount collected is enough to cover the coming year's taxes and insurance. If taxes or insurance rates increase, your monthly payment may go up. If there is a surplus in the account, Green Tree may credit it toward future payments or refund it to you, depending on the amount and your loan terms.
You can request an escrow analysis at any time to see how much is being held and what it covers. This is useful if your property taxes or insurance have changed significantly.
What happens if your loan is transferred to another servicer
Mortgage loans are sometimes sold from one servicer to another. If your loan is transferred away from Green Tree, you will receive written notice at least 15 days before the transfer takes effect. The notice will include the new servicer's contact information and instructions for making your next payment.
During the transfer period, you may be allowed to send your payment to either Green Tree or the new servicer. Read the transfer notice carefully to see where to send your payment and when the changeover happens. After the transfer date, send all payments to the new servicer.
Your loan terms do not change when it is transferred—only the company handling the paperwork and collecting payments changes. If you have a pending loan modification request or are in forbearance, the new servicer will take over managing that arrangement.
Loan modification and loss mitigation options
If you are struggling to pay your mortgage, Green Tree can discuss several options. A loan modification permanently changes your loan terms. A forbearance temporarily pauses or reduces payments. A short sale allows you to sell the home for less than you owe, with the lender's permission. A deed in lieu of foreclosure lets you transfer the home to the lender instead of going through foreclosure.
Each option has different consequences for your credit and your financial situation. Forbearance and modification are usually preferable to short sale or deed in lieu because they let you keep the home. However, not all borrowers may have access to for all options, and the investor who owns your loan makes the final decision.
Green Tree can explain what each option means and help you gather the documents needed to submit a request. The process typically takes several weeks to several months, depending on the option and how quickly you provide required information.
Frequently Asked Questions
Does Green Tree own my mortgage?
No. Green Tree services your loan, meaning they collect payments and manage your account. The investor or bank that owns your mortgage is listed in your loan documents. Green Tree works on behalf of that owner but does not make decisions about your loan terms or whether to approve a modification.
Can I pay my mortgage directly to Green Tree instead of through automatic withdrawal?
Yes. You can mail a check to the address on your statement, pay online through Green Tree's portal, or set up automatic payments from your bank account. Make sure your payment arrives by the due date to avoid late fees. Always include your loan number on the check.
What if I disagree with my escrow analysis?
You can request a new analysis or ask Green Tree to explain how they calculated the amount. If you believe the analysis is incorrect, you can file a complaint with the Consumer Financial Protection Bureau or your state's banking regulator. Keep copies of your property tax bills and insurance statements to support your case.
How long does a loan modification take?
The timeline varies depending on how quickly you provide required documents and how complex your situation is. Most modifications take between four and twelve weeks from the time Green Tree receives a complete application. During this time, continue making your regular payment unless Green Tree tells you otherwise.
What should I do if Green Tree loses my payment?
Contact Green Tree immediately with proof of payment—a bank statement, cancelled check, or receipt from their online portal. Ask them to investigate and correct your account. If the payment was made by check, you may need to stop payment and resubmit. Keep records of all payments you make.