Commercial Tax Delinquent Letter Services
Turn tax delinquency data into borrower action
Clear notices for delinquent taxes
Commercial Tax Delinquent Letter Services helps servicers notify borrowers when delinquent property taxes are identified on non-escrowed commercial loans. Cotality™ uses available delinquency reporting to produce borrower letters with client branding and customizable verbiage. The service supports a consistent communication process, gives borrowers clear notice of reported tax delinquency, and helps servicing teams address tax risk without building and managing a separate letter workflow.


Operationalize borrower outreach
Convert reported tax delinquencies into clear borrower communications with customizable content, client branding, and an established letter process for eligible non-escrowed commercial loans.

Delinquency-triggered notices
Generate borrower notices when delinquent property taxes are reported for eligible non-escrowed commercial loans, based on the client’s contracted service. Cotality provides automated borrower notices based on rules you define. During onboarding, we configure customized DLS codes that define specific actions, ensuring that your borrower communications align with your internal policies and service contracts.

Customizable letter content
Tailor approved verbiage to reflect servicing requirements and provide borrowers with clear information about the reported delinquency and requested response.

Client-branded communications
Apply client branding to create a familiar borrower communication that aligns with established servicing correspondence.

Repeatable event-based process
Support consistent outreach by linking letter activity to applicable delinquency reporting events and contracted service rules.

Delinquency-triggered notices
Generate borrower notices when delinquent property taxes are reported for eligible non-escrowed commercial loans, based on the client’s contracted service. Cotality provides automated borrower notices based on rules you define. During onboarding, we configure customized DLS codes that define specific actions, ensuring that your borrower communications align with your internal policies and service contracts.
Customizable letter content
Tailor approved verbiage to reflect servicing requirements and provide borrowers with clear information about the reported delinquency and requested response.
Client-branded communications
Apply client branding to create a familiar borrower communication that aligns with established servicing correspondence.
Repeatable event-based process
Support consistent outreach by linking letter activity to applicable delinquency reporting events and contracted service rules.
FAQ
Who is this service designed for?
The service is designed for commercial mortgage servicers that need borrower correspondence after delinquent property taxes are reported on eligible non-escrowed loans. Availability, scope, and event rules are defined by the client.
Can letters use our branding and preferred language?
Yes. The service supports client branding, which is recommeded, and customizable verbiage. Final content, required disclosures, and approval steps should be established during implementation and reviewed under your organization’s legal and compliance process.
What triggers a delinquent tax letter?
Letters are tied to applicable delinquency reporting events for loans enrolled in the contracted service. Specific timing, eligibility, and exclusions depend on the agreed service configuration.
Does the service include tax payment or research?
Delinquent Letter Services focuses on borrower notification. Commercial tax reporting, delinquent tax research, and tax payment services are separate capabilities that may be available under the broader Commercial Tax Solutions offering and applicable contract.
Which loans are eligible for letter services?
The service is offered as an optional capability for eligible non-escrowed commercial loans. Final eligibility is based on client setup, available loan and borrower data, and contracted business rules.
What is needed to implement the service?
Implementation requires agreement on eligible loans, letter content, branding, event rules, required borrower and property data, and delivery requirements. A Cotality representative can confirm the final configuration and service terms.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
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Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
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