Payments FAQs
FAQs
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If you make a payment to the wrong servicer following a loan transfer, the payment will be forwarded by your previous servicer to the new one for the first 60 days.
After those 60 days, your previous servicer isn't obligated to forward your payment to your new servicer.
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You'll need to fill out a form and mail it. Request the form online using the Message Center or download it .
Mail your application to:
Drafting Department
PO Box 77421
Ewing, NJ 08628Once your application is received, it can take three business days to enroll you in the program. We'll mail you a confirmation letter letting you know.
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Budget Drafting is a program that makes the equivalent of one extra payment a year toward your principal balance, reducing you interest charges and building your equity faster. We'll automatically withdraw half your monthly payment every other Friday. Twice a year, we'll withdraw three payments within a month, which will go toward the principal balance.
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Yes. Send your scheduled payment to:
Payment Processing Center
P.O. Box 11733
Newark, NJ 07101If you are located in AK, AZ, CA, CO, GU, HI, ID, MT, ND, NE, NM, NV, OR, SD, UT, WA, or WY, send your scheduled payment to:
Payment Processing Center
P.O. Box 54040
Los Angeles, CA 90054 -
If you don't pay your property taxes, we'll send a letter letting you know your taxes are unpaid.
If you don't pay them within the designated timeframe, we'll place an escrow on your account and readjust your mortgage payment.
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We understand unexpected expenses or challenges put a strain on finances. If you’re unable to keep up with your payments, let us know as soon as possible, and we'll do everything we can to help.
Log in and select Manage Account from your Snapshot. Then, select Account Management and choose Messages. Send us a note about your situation, and we'll have someone get back to you about next steps.
You may also qualify for financial assistance within your state. Learn more about these mortgage assistance resources.
Give us a call at 1-866-401-4742 . We’re available Monday – Friday, 8:30 am – 8 pm and Saturday 8:30 am – 1 pm ET.
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If you missed a payment, we’ll call you to let you know the due date has passed and we haven’t received your payment. Keep in mind – you could be charged a late charge for payments made after the due date.
If you’re unable to keep up with your payments, you may qualify for financial assistance within your state. Learn more about these mortgage assistance resources.
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Vehicle accounts:
Log in and select your vehicle, then Payments, then Enroll in Auto Pay. Once you’re enrolled, the menu will change to Edit Auto Pay, where you can make changes or cancel Auto Pay at any time.
You can cancel your Auto Pay payment any time before 3 pm ET on the scheduled payment date.
Keep in mind: if you're already enrolled in Direct Pay, you have to cancel it before enrolling in Auto Pay.
Credit cards:
On the web:
Log in , select your credit card account, select Payments, then Set Up Auto Pay.
On our app:
Log in, select your credit card, then Menu, Payments, then Enroll in Auto Pay. Once Auto Pay’s set up, Enroll in Auto Pay changes to Manage Auto Pay. Go there to make changes, or to cancel Auto Pay at any time.
Home loans:
Log in , select your home account, then Make a Payment. From there, you can turn Auto Pay on. Once activated, you can set up your payment preferences, edit, or stop Auto Pay at any time.
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Your first payment
You can make your first home loan payment after your closing. You'll be notified by mail with payment instructions no fewer than 10 days before your first payment is due.
Paying online
To make a one-time monthly payment, log in , find your home loan account, then select Make a Payment.
Phone
Use our 24-hour automated system at 1-866-401-4742 . You'll need your loan number or social security number and your ZIP code on hand. Keep in mind, you won’t be able to pay with credit card—you can pay via bank account withdrawal or debit card.
Mail
Send your payment to:
Payment Processing Center
P.O. Box 11733
Newark, NJ 07101Or, if you’re in AK, AZ, CA, CO, GU, HI, ID, MT, ND, NE, NM, NV, OR, SD, UT, WA, or WY, send your payment to:
Payment Processing Center
P.O. Box 54040
Los Angeles, CA 90054Personal checks
Personal checks can’t be used to make payments.
Partial payments
Partial payments aren’t accepted.