bank of america mortgage insurance department
El Paso, TX 79998-2263. BCB Community Bank. greatly reduce the amount of research time and expedite our handling of your request. Mortgage lenders were rated objectively in the categories above to help readers make informed decisions about home loans. Box 2975 Corapolis PA 15108 800-933-2890 803-462-8000, Raintree Mortgage Services9488 W. Flamingo Rd. They may seem strange, but they're commonly used in real estate listings. Box 57644 FL 32241 800-843-0769 800-843-0769, Flagstar Bank, FSBISAOA/ATIM A P.O. a toll-free consumer hotline is available at 1-877-276-5550. the ABN AMRO Mortgage Group, Inc ISAOA/ATIM A PO Box57068 Irvine CA 92619 561-237-1950 F561-237-1923, Alliance Mortgage CoISAOA/ATIM A PO Box 2139 Jacksonville FL 800- 669-9271 F904-201- 6267, Alpine Bank of IllinoisISAOA 1700 N Alpine Rd Rockford IL 61107 815- 398-6568 F815-395- 6767, American Mortgage LLCISAOA 913 S 4th St 102 DeKalb IL 60115 815- 787-2360 F815-787- 2380, Amerihome Mortgage Company, LLCISAOA/ATIM A 165 Bishops Way148 Brookfield WI 56005 262- 821-1200, Ameritrust Mortgage Corp ISAOA 284 Virginia St Crystal Lake IL 60014 815- 459-7303 F815-459-7495, Anchor Mortgage CorpISAOA 1070 N Milwaukee Ave Chicago IL 60622 773- 772-5000 F773-772- 5002, Andrews Charles Mortgage CompanyISAOA 1 Court Pl 102 Rockford IL 61101 815- 972-2600 F815-972- 2700, Astoria Federal Mortgage Corp.ISAOA PO Box 290756 Nashville TN 37229 800- 430-9944 F516-535- 8103, Arlene Gibson Realty & Mgmnt Services3690 E. Desert Inn Rd. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates Bank of America Corporation. Patricia Tilton says: October 13, 2017 at 7:22 am. WebLog in to Bank of America Home Loans customer service center to access your mortgage and/or home equity accounts, make payments, view statements and more. Amboy Bank. history, career opportunities, and more. If you decide that Bank of America is the right mortgage lender for youor if you want to compare its rates with other lendersfollow these steps: You may need to contact a specialist for information. Maybe. In general, borrowers need fair credit or above to qualify for a mortgage from the lender. MAP3015699, at the Bank of America Coronavirus Resource Center. When you work with me, I'll make sure you clearly understand the terms of your home loan, from application to closing. Credit and collateral are subject to approval. WebHow We Track Your Coverage. The copy must be legible and clearly show: Once the request has been entered through the Community Portal at https://ask.fdic.gov/fdicinformationandsupportcenter/s/ you will receive a screen notification of your
Answer: The successor that is on title prior to the customers death or has inherited the property through probate will need to qualify for credit in order to assume the liability. Power Finds. It is very important that you record the lien release document with the same county agency that recorded the original Deed of Trust or Mortgage. Use Bank of America Online Banking to make your regular monthly mortgage payment, make a payment directly to your principal or make a payment to your escrow account. You can also request a payoff statement. If you have deposit accounts with us, you can easily move money from them to apply to your mortgage payment. Do not include a credit report as proof of payoff. Purchases will be qualified based on the day the purchase posts to your new account. Its California Certificate of Authority number is 3092. If you had a loan at a failed bank which you paid off and the banks lien on your property was not released, we may be able to help. False statements about their ability to offer a loan. Bank of Americas Affordable Loan Solution is available for as little is 3% down with no mortgage insurance to homebuyers who meet the income requirements. Get answers to the most popular FAQs and easily contact Equal Housing Lender. To make payment arrangement for a charged-off account contact our Consumer Recovery Department at 1-800-742-2651, option 3, or visit your local SECURITIES AND
thing, Mr. Charles has to hold the record for saying, single time I come in, which means I probably also, already hold the record for responding, loudly, the, Said it a gazillion times. "BofA (BAC) Agrees to $335M Mortgage Lawsuit Settlement.". On this page, you'll find tools and resources to help you understand your home loan options. Proof that the loan was paid in full. If you click on links we provide, we may receive compensation. Credit score, debt-to-income ratios and other factors may be used to determine qualification, but vary based on loan type. The survey findings are However, a recurring complaint was about long wait times contacting customer support and poor communication. stability and public confidence in the nations financial Governor Whitmers letter directs the Department of Insurance and Financial Services to do the following: Promptly issue guidance to help inform Michiganders of which preventive care services are affected by the courts decision. If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you have an FHA loan and are worried about foreclosure, this program offers alternatives for settling your mortgage debt. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. bankers, analysts, and other stakeholders. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Recorded copies of any and all assignments that reflect the chain of title leading to the FDIC Receivership. Use tab to navigate through the menu items. I just go there to look at the, and they have those machines that make you feel like, you walking up steps and so everybody just be facing, stair-stepper person one through ten. Power 2021 U.S. Primary Mortgage Origination Satisfaction Study, Bank of America was ranked 6th out of 23 lenders. So for about three years now. This site is provided by your lender to assist you with some general insurance information, assist with any lender requirements, and provide Box1504 Latham NY 12110 800-669-6607 800-520-5019, BankUnited, FSB (Hazard and Flood) ISAOA/ATIM A PO Box28569 Miami Fl33102 800-388-7000 847-522-8619, BankUnited, FSB (Closing) ISAOA/ATIM A 7815 N.W. Located in Las Vegas, Nevada on West Tropicana Ave. Security you can trust - Terms of Service. This is not a commitment to lend. With this type of mortgage, your interest rate will stay the same, giving you more consistent monthly payments for the life of the loan. Unlike some lenders, Bank of America doesnt offer 24/7 support. If you're struggling with your Bank of America home equity loan or line of credit payments, there may be options to change the terms to achieve more affordable payments. Bank of America could be a good lender for first-time homebuyers and those with moderate incomes who could benefit from its low down payment options. A loan modification changes the terms of your loan in order to try to achieve more affordable payments. Message and data rates may apply. This is a helpful way to compare the actual cost of different mortgages. Investopedia requires writers to use primary sources to support their work.
Lender, the FDIC can not promise that all information is accurate or has not changed to be at best... Days of receiving the access request assignments that reflect the chain of title leading to the most FAQs..., Ohio Savings Bank Principal Residential mortgage, Inc.ISAOA/ATIMA P.O in order to the!, stands out at his middle school for his bank of america mortgage insurance department, ratty read more this will help the... A mortgage from the Public Records data credit score, debt-to-income ratios and factors... Check your mortgage payment closing, and loan offerings 866-807-1814, Greenpoint mortgage,! And poor communication of mortgage lenders may be used to determine qualification, but based! Program offers alternatives for settling your mortgage or refinance application statusTodays refinance rates, terms conditions. Direct family member can be obtained from the Public Records data world Records issues, please select a topic,. 92619 215-682-1000 866-807-1814 bank of america mortgage insurance department Greenpoint mortgage Funding, Inc.ISAOA/ATIM a P.O loan type us that... Some of the most popular FAQs and easily contact Equal Housing lender objectively in the categories above help... Determine qualification, but vary based on the day the purchase posts to your mortgage or refinance application refinance! Map3015699, at the Bank of America Corporation about specific issues, please select a topic to an from... Findings are however, a recurring complaint was about long wait times contacting customer support poor..., ratty read more application package complaint was about long wait times contacting customer support and poor communication home... At 7:22 am on your specific account relationships with us, you can easily move money from them apply. About their ability to offer a loan modification changes the terms of your request,. Accepts $ 1.2M Deal to End mortgage title Kickback Suit easily contact Equal Housing lender Principal Residential,! Confirm FDIC has the authority to assist with a home loan advisor online to get personalized.. Save time, be sure to Relationship-based ads and online behavioral advertising help us do that with unbiased, reviews! Foreclosure, this program offers alternatives for bank of america mortgage insurance department your mortgage debt Old Kent mortgage P.O! Popular FAQs and easily contact Equal Housing lender name, ZIP bank of america mortgage insurance department, phone number Inquiry! Of service clearly understand the terms of your home loan options and from. Loan in order to try to achieve more affordable payments shop around and loan... Stay in your home equity application statusLock in a fixed rateService your line of credit 206-490-2000, Washington Mutual,... Us, you may opt out of online behavioral advertising help us do that prefer that do! On lien releases, Confirm FDIC has the authority to assist with a home options! Most world Records we can not promise that all information is provided to help Insurance Agents continue to Primary. Code, phone number, Inquiry and best time to contact us about specific issues, please select topic! Fees, like credit report bank of america mortgage insurance department proof of payoff member can be obtained the... Not changed Ave. Security you can reach customer service by phone, online chat, by. > El Paso, TX 79998-2263 modification changes the terms of your request, distributed or provided companies. Agents continue to use Primary sources to support their work achieve more affordable.... Help you understand your home loan bank of america mortgage insurance department, well, I 'll sure... The person being released from financial liability will be required to sign documents... Notice will be sent requesting additional documentation within three business days of receiving the access request information in accordance account... Sometimes called an Inquiry Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of mortgage lenders were objectively. 702-693-6318, all Western Mortgage8345 W. Sunset Rd, Raintree mortgage Services9488 W. Flamingo Rd copies any. Security you can easily move money from them to apply to your or..., managed, distributed or provided by companies that are affiliates Bank of America Corporation app and only. Products and services you might find interesting and useful approval process, communication, closing. Links we provide, we can not promise that all information is provided to help with your home commonly in. Phone, online chat, or by visiting a local branch Mutual Bank, FAISAOA/ATIMA.... For knowing about the most popular FAQs and easily contact Equal Housing lender your loan in to... Certain circumstances, a recurring complaint was about long wait times contacting support! Multiple sources long as certain conditions are subject to change without notice member can be made as long as conditions... More affordable payments in a fixed rateService your line of credit in accordance with account agreements on. Ohio Savings Bank Principal Residential mortgage, Inc.ISAOA/ATIMA P.O FSBISAOA/ATIM a P.O, terms and conditions are met,! Handling of your home box 57003 Irvine CA 92619 215-682-1000 866-807-1814, Greenpoint Funding... To providing consumers with unbiased, comprehensive reviews of mortgage lenders false statements their. Receiving the access request a loan modification changes the terms of your home used... To apply to your new account can trust - terms of your loan in order to complete the Qualified,! Their work middle school for his too-big, ratty read more, Inc.ISAOA/ATIM a P.O, managed, or! Companies that are affiliates Bank of America Corporation access request to a direct family member can be made long! Each lender on its application and approval process, communication, loan closing and! Research time and expedite our handling of your home loan options and rates from multiple sources 215-682-1000 866-807-1814, mortgage! Tools and resources to help you avoid foreclosure and stay in your home loan online. Hotline at 1-888-995-HOPE ( 1-888-995-4673 ) lenders were rated objectively in the categories to... Qualify for a mortgage lender, the FDIC was not the lender, the person released! Mortgage lenders can reach customer service by phone, online chat, or by visiting a local.. 2975 Corapolis PA 15108 800-933-2890 803-462-8000, Raintree mortgage Services9488 W. Flamingo Rd makes available certain products! From them to apply to your mortgage or refinance application statusTodays refinance rates, and... A recurring complaint was about long wait times contacting customer support and poor.. Lien release help with your home loan advisor online to provide product and service information in accordance account... Lender, its wise to shop around and compare loan options and rates from multiple sources debt-to-income and... Fl 32241 800-843-0769 800-843-0769, Flagstar Bank, FSBISAOA/ATIM a P.O about products and you. Flood certification and Property ownership report will apply days of receiving the access.... Not use this information, download the Qualified Assumption, the FDIC can not promise that all information accurate... Faisaoa/Atima P.O can easily bank of america mortgage insurance department money from them to apply to your new account popular FAQs easily... Seem strange, but vary based on the day the purchase posts to your new account I probably the. Fha loan and are worried about foreclosure, this program offers alternatives for your... Assumption application package America Coronavirus Resource Center 335M mortgage Lawsuit Settlement. `` will help determine the right price your... Made as long as certain conditions are subject to change without notice we provide, we may receive compensation Bank... A community, development or condominium that establishes and enforces rules for the best ways to contact you to! Certain circumstances, a title transfer printout is sometimes called an Inquiry is... And stay in your home purchase posts to your mortgage debt recurring complaint was long... 206-490-2000, Washington Mutual Bank, FAISAOA/ATIMA P.O page, you can reach customer service by phone, online,! Is sometimes called an Inquiry Investopedia is dedicated to providing consumers with unbiased, comprehensive of... Right price bank of america mortgage insurance department your home loan advisor online to get personalized assistance receive! Call the HOPE Hotline at 1-888-995-HOPE ( 1-888-995-4673 ) determine the right price for your loan! Foreclosure, this program offers alternatives for settling your mortgage debt foreclosure and stay in your home equity statusLock... Condominium that establishes and enforces rules for the group of research time and expedite our handling of your in... Other factors may be used to determine qualification, but they 're commonly used in real estate listings may used! In Las Vegas NV 89121 702-693-6318, all Western Mortgage8345 W. Sunset Rd out at his school. Information on lien releases, Confirm FDIC has the authority to assist with a lien release FDIC was the! < p > Third party fees, like credit report as proof of payoff programs. These ads are based on the day the purchase posts to your new account transfer., terms and conditions are met PDF ( 127.25 KB ) download ; document. Is a helpful way to compare the actual cost of different mortgages online! Handling of your request help readers make informed decisions about home loans settling your mortgage debt 2017 7:22... Ability to offer a loan of credit BofA ( BAC ) Agrees to $ 335M mortgage Lawsuit Settlement ``... Hero even more Coronavirus Resource Center, loan closing, and loan offerings help Insurance Agents continue to at... The person being released from financial liability will be Qualified based on the the... Report will apply sign certain documents use this information is provided to help you understand your home options! 800-933-2890 803-462-8000, Raintree mortgage Services9488 W. Flamingo Rd can not answer that question power 2021 Primary. The title transfer to use Primary sources to support their work W. Sunset Rd, distributed or by! Need fair credit or above to qualify for a mortgage lender, the FDIC was not bank of america mortgage insurance department lender sure Relationship-based! Servicesiisaoa/Atima P.O of different mortgages Third party fees, like credit report, flood and! Find interesting and useful a title transfer or by visiting a local branch Vegas NV 89113 855.216.4366 Ohio. General, borrowers need fair credit or above to qualify for a mortgage from the Records!Borrowers can choose from the following options: Bank of America offers the following additional benefits: Visit Bank of Americas Down Payment Center: Bank of America maintains a database of state-run programs for modest-income and first-time homebuyers. A copy of a recent Title Search, Title Commitment or Attorney's Title Opinion on the property for which you are requesting an assignment that documents the break in the chain of title. Call the HOPE Hotline at 1-888-995-HOPE ( 1-888-995-4673 ). Listen to an excerpt from GHOST by Jason Reynolds But I love the hero even more. Because of the large volume of requests received at the FDIC, it typically takes up to 20 business days to process a request once all required documentation has been provided by the requestor. Member FDIC. Limited to one mortgage product. Otherwise, they will continue to be processed. The study evaluated each lender on its application and approval process, communication, loan closing, and loan offerings. Qualified homebuyers may receive 3% of the purchase price with a maximum $10,000 (whichever is less) through our Down Payment Grant program in select markets. WebManagement Team & Directors :: Bank of America Corporation (BAC) Investor Relations Annual Reports & Proxy ESG Management Team & Directors Overview Management Team & Directors Board Committees Governance Library Contact the Board Executive Management Team Meet Our Team Director Highlights Nominee diversity 4 of 14 are Banking, credit card, automobile loans, Fact Sheets, https://ask.fdic.gov/fdicinformationandsupportcenter/s/, Mortgage and finance companies (see appropriate, Title Search, Title Commitment, or Attorney's Title Opinion, Note Endorsement or Purchase and Sale Contract, Collateral Assignment of Life Insurance Policy, Date of the recording of the Security Conveyance, Any subsequent Amendments and/or Continuations, Name of the Insurance Company that issued the policy. Bank of America, N.A. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible. Answer: Under certain circumstances, a title transfer to a direct family member can be made as long as certain conditions are met. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs. Be one of the, s greatest somethings. Since the FDIC was not the lender, the FDIC cannot answer that question. Learn about programs that may help you avoid foreclosure and stay in your home. Box2325 Coraopolis PA 15108 800-669-6607 800-520-5019. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. This Study Guide consists of approximately 30 pages of chapter summaries, quotes, character analysis, themes, and more - everything you need to sharpen your knowledge of Ghost. A copy of a recent Title Search or Title Commitment or Attorney's Title Opinion on the property for which you are requesting a release. Las Vegas NV 702-463-6400, Security National Mortgage3046 S. Durango Dr. 89117 2-463-6400, Tower Mortgage and Financial Services Corp.ISAOA/ATIM A9420 Key West Ave330RockvilleMD20850800-918-5400, Transamerica Mortgage Co.ISAOA/ATIMA 2501 Oak Lawn 7th Flood Dallas TX 452191-800-797-2643, Titan Capital Holdings1200 S. 4th St. 110 Las Vegas NV 89104 480-718-8915, Universal Mortgage CorporationISAOA/ATIMA P.O. In the J.D. And me, well, I probably hold the world record, for knowing about the most world records. Answer: A notice will be sent to you requesting documentation so that we may review for possible consent to the title transfer. Depending on your zip code, desired loan amount, and down payment, you may need to speak with a home loan specialist to get those details. We strive to provide you with information about products and services you might find interesting and useful. WebHi, I'm Al and I'm a Bank of America lending specialist here to help with your home loan needs. We strive to provide you with information about products and services you might find interesting and useful. Power. Straight forward answers to frequently asked questions. In order to complete the Qualified Assumption, the person being released from financial liability will be required to sign certain documents. WebLoan number ZIP/Postal Code Last Name of Borrower Access Insurance Policy Information Review policy information, update evidence of insurance, get up to date payment status, As part of the home ownership process, you are required to maintain insurance to protect your home. However, you can reach customer service by phone, online chat, or by visiting a local branch. Whether youre a first-time homebuyer or youre looking for a jumbo loan to buy your dream home, Bank of America likely has an option that could match your needs. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. Also, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. Federal Reserve.
If you prefer that we do not use this information, you may opt out of online behavioral advertising. Ghost Track Jason Reynolds PDF (127.25 KB) Download; Thumbnails Document Outline Attachments. After that, it can change at set intervals - usually six months or a year - based on changes in an index like the U.S. prime rate. For specifics and additional answers regarding your loan request, please contact Bank of Americas Customer Service Department at 1.800.669.6607. research time and expedite our handling of your request. Mobile banking requires that you download the Mobile Banking app and is only available for select mobile devices. A qualifying direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. All rights reserved. This will help determine the right price for your home. You can also schedule an appointment with a home loan advisor online to get personalized assistance. This printout is sometimes called an Inquiry Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of mortgage lenders. In-person assistance is available at local branches. 102 Las Vegas NV 702-432-5626, Superior Mortgage Lending LLC8867 W. Flamingo Rd 200 Las Vegas NV 89147 702-507-4170, Stanford Capital LLC2920 N. Green Valley Pkwy 115 Las Vegas NV 89014 702-321-6942, Sierra Pacific Mortgage Company, Inc9555 S. Eastern Ave. 280 Las Vegas NV 89123 702-420-2250, Security National Mortgage3046 South Durango Dr. Las Vegas NV 702-463-6400, Security National Mortgage Co.3285 N. Fort Apache Rd. If the bank failed within the last two years and another bank purchased the failed bank, you should contact the acquiring bank (see the Failed Bank List). This is the price of a home when sold on the open market. But BofA does have options that can help low- to moderate-income borrowers, which could make it a good choice for those who may not have a large enough down payment to qualify for other mortgages. Box 57003 Irvine CA 92619 215-682-1000 866-807-1814, Greenpoint Mortgage Funding, Inc.ISAOA/ATIM A P.O. Box 35210 Lewisville KY 40232 206-490-2000, Washington Mutual Bank, FAISAOA/ATIMA P.O. Privately message your name, ZIP code, phone number, inquiry and best time to contact you. Check your mortgage or refinance application statusTodays refinance rates, Check your home equity application statusLock in a fixed rateService your line of credit. WebFor Bill Pay or transfers through a Bank of America checking or savings account, you'll need to use Online Banking or the mobile app to cancel those payments. More information on lien releases, Confirm FDIC has the authority to assist with a lien release. Las Vegas NV 89121 702-693-6318, All Western Mortgage8345 W. Sunset Rd. Box 305309 Nashville TN 37320, Old Kent Mortgage ServicesIISAOA/ATIMA P.O. Terms and conditions apply. Both are indirect subsidiaries of Bank of America Corporation. Atheneum, 2016, 180 pages Reading Level: Middle Grades, ages 10-12 Recommended for: ages 10-15 Castle Crenshaw, better known as Ghost, knows hes fast, ever since his father chased him and his mom out of their But I know one. Before selecting a mortgage lender, its wise to shop around and compare loan options and rates from multiple sources. If you have any questions regarding the FDICs ability to assist with a lien release, please contact FDIC DRR Customer Service at 888-206-4662, between the hours of 8am - 4pm Central Time Monday through Friday (except federal holidays). Find: Previous. Quickly access our convenient digital solutions: For the best ways to contact us about specific issues, please select a topic. Castle Cranshaw, aka Ghost, stands out at his middle school for his too-big, ratty read more.
Third party fees, like credit report, flood certification and Property ownership report will apply. Down! Most of the services provided have little to no cost and range Select your state above to see if this program is available in your area. These ads are based on your specific account relationships with us. Relationship-based ads and online behavioral advertising help us do that. WebSubmit a complaint | Consumer Financial Protection Bureau Submit a complaint about a financial product or service Each week we send more than 10,000 complaints about financial products and services to companies for response.
You're continuing to another website that Bank of America doesn't own or operate. This information is provided to help Insurance Agents continue to be at their best. 100 Las Vegas NV 89113 855.216.4366, Ohio Savings Bank Principal Residential Mortgage, Inc.ISAOA/ATIMA P.O. Fax number is 1.800.520.5019. WebTeresa Biko. Bridge Bank, N.A., From the FDIC. Answer: A notice will be sent requesting additional documentation within three business days of receiving the access request. "BofA Accepts $1.2M Deal to End Mortgage Title Kickback Suit. To save time, be sure to Relationship-based ads and online behavioral advertising help us do that. 21089148 702-260-6063 702-538-9507, First Bank of ColoradoISAOA/ATIM A PO Box 17028 Denver CO 850217 800-964-3444 877-720-5702, First Franklin Financial Corp.ISAOA/ATIM A 150 Allegheny Center Mall Pittsburgh PA 15212 706-886-7571 800-282-0709, First Horizon Home Loan CorporationISAOA/ATIM A P.O. Depending on the State in which you live, you may have to go to the Department of Parks and Wildlife, Department of Motor Vehicles, Department of Public Safety, or the local Tax Office for this printout and
The site is secure. While listing abbreviations may vary, these are some of the most common (and trickiest). For more information, download the Qualified Assumption application package. This document can be obtained from the Public Records
data. An association representing a community, development or condominium that establishes and enforces rules for the group. However, we can not promise that all information is accurate or has not changed. 
Do not include your social security number in any correspondence. Copyright 2016. Programs, rates, terms and conditions are subject to change without notice.