Frame 13 — Bind: billing path

Billing path①

Recommended — escrow flag detected

Mortgagee escrow

Wells Fargo will be billed directly via Ascend lockbox. Lender remits within 30–45 days; coverage is in-force from bind regardless.

Direct to homeowner

HO direct bill

Ascend emails the HO a checkout link. HO chooses pay-in-full or premium financing inside Ascend.

For reference — HO payment options②

If billing path switches to HO direct bill, the HO will see these inside Ascend checkout:

Pay in full

$1,520/yr

One charge · ACH or card

Finance through Althea

~$135/mo · 11 mo

$304 down · est. via Ascend

≈ 9.5% APR · final terms in Ascend

Total financed cost ≈ $1,789 (incl. interest)

Handoff to Ascend

At commit, Ascend gets the billing path you selected. For mortgagee escrow, the lender is added as a secondary contact on the Insured; Ascend then invoices the lockbox. For HO direct bill, Ascend emails the HO a branded checkout link.

How will the premium be paid?