Find your mortgage servicer's payment portal, phone numbers, and quick pay options. Complete directory of 29+ major mortgage servicers including Wells Fargo, Chase, Bank of America, Rocket Mortgage, and more.
Showing 10 of 29 servicers
These top-rated servicers offer guest payment options that allow you to make one-time payments without creating an account. Perfect for quick, hassle-free mortgage payments.
Comprehensive payment information for all major mortgage servicers. Click on any servicer for detailed payment instructions, mailing addresses, and fee information.
Expert tips to ensure smooth, secure mortgage payments, save money on interest, and avoid common payment pitfalls.
Never miss a payment by setting up automatic payments. Most servicers offer this service for free and some provide interest rate discounts of 0.25% for autopay enrollment.
Always double-check your loan number and payment amount before submitting. Keep confirmation numbers for your records and take screenshots of successful payments.
Online payments typically process within 1-2 business days. Submit payments at least 3 days before your due date. Most loans have a 15-day grace period before late fees apply.
Bank account (ACH) payments are usually free. Credit/debit card payments often have fees of $10-15. Phone payments with an agent typically cost $7-20.
Quick pay options are great for one-time payments without creating an account. However, having an account provides better payment history and management tools.
Paying extra toward principal can save thousands in interest. Ensure extra payments are marked 'principal only' to avoid advancing your due date instead.
Making half your payment every two weeks results in 13 full payments per year, helping you pay off your loan faster and save on interest.
Mortgage servicing rights can be sold. You'll receive notice 15 days before any transfer. Your loan terms remain the same, only the payment destination changes.
Get answers to common questions about paying your mortgage online, finding your servicer, understanding payment options, and managing your mortgage account.
Your mortgage servicer information is on your monthly mortgage statement, payment coupon book, or recent correspondence about your loan. You can also check your credit report which lists all current accounts, call your original lender if you recently closed, or use the MERS ServicerID lookup tool if your loan is registered with MERS.
Yes, many servicers offer 'Quick Pay' or 'Guest Payment' options that allow one-time payments without account registration. Look for links like 'Make a Payment,' 'Quick Pay,' or 'Pay Without Login' on the servicer's website. You'll typically need your loan number and property ZIP code.
Most servicers accept bank transfers (ACH) which are usually free, debit cards (may have fees), and some accept credit cards (typically with 2-3% fees). Phone payments, mail-in checks, money orders, and cash payments through MoneyGram or Western Union are also common options.
Standard ACH payments from bank accounts typically process within 1-2 business days. Same-day or expedited payments may be available for an additional fee ($10-30) and usually process within hours. Always submit payments at least 3 business days before your due date.
Yes, reputable mortgage servicers use bank-level 256-bit SSL encryption and multi-factor authentication. Always verify you're on the official website by checking for 'https://' in the URL and a padlock icon. Never pay through links in emails - go directly to the servicer's website.
You'll receive a 'goodbye letter' from your old servicer and a 'hello letter' from the new one at least 15 days before the transfer. Your loan terms, interest rate, and balance remain unchanged. Update your payment method and any automatic payments with the new servicer's information.
Most servicers accept partial payments, but policies vary. Some hold partial payments in a 'suspense account' until the full amount is received. Others may apply it immediately. Check your servicer's partial payment policy to avoid late fees or credit reporting issues.
Most mortgages have a 10-15 day grace period before late fees apply (typically 3-6% of payment). After 30 days, the late payment may be reported to credit bureaus. Contact your servicer immediately if you're having trouble making payments - many offer forbearance or modification programs.
When making your payment online, look for an option to add extra to principal. Ensure the extra amount is designated as 'principal only' to reduce your loan balance rather than advancing your next payment due date. This can save thousands in interest over the loan term.
Your lender is who gave you the loan initially. Your servicer handles day-to-day administration including collecting payments, managing escrow, and customer service. Many lenders sell servicing rights, so your servicer may be different from your original lender.
Many servicers allow you to change your due date once per year. This typically requires being current on payments and may involve a small fee ($0-50). Contact your servicer to request a due date change that better aligns with your pay schedule.
Log into your servicer's online portal and look for 'AutoPay' or 'Automatic Payments.' You'll need to provide bank account information and choose a payment date. Some servicers offer a 0.25% rate reduction for autopay enrollment. Always keep sufficient funds in your account.
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