How do I make a mortgage payment as a guest?

Short answer:

You can make a one-time mortgage payment online without logging in by using pay as a guest. You’ll need your loan number and a few identifying details to submit the payment.

What’s happening

Pay as a guest allows you to submit a single payment on your loan without creating or signing into an account.

To complete a guest payment, you’ll typically need:

• Loan number
• Last four digits of your Social Security number
• Payment amount
• Bank account (ACH)
  
   

Pay as a guest is designed for quick, one-time payments only.

Important details:

• Payments made as a guest are not saved to an online profile
• Payment methods are saved
• Cutoff times may apply for same-day processing
• You will receive a confirmation number once your payment is submitted
   

In some situations, pay as a guest may not be available. This can include loans in bankruptcy, foreclosure, or certain delinquency statuses.

What it means for you

Pay as a guest is helpful if:

• You don’t have an online account
• You need to make a quick one-time payment
• You prefer not to log in
   

However, because this is a one-time transaction:

• You cannot set up recurring payments
• You won’t be able to view payment history
• You won’t have access to escrow details, statements, or other loan tools
   

If you plan to manage your loan online regularly, registering for an account gives you more features and visibility.

What you should do next

1. Select pay as a Guest from the website.
2. Enter your loan number and requested identifying information.
3. Confirm the payment amount.
4. Enter your bank account details.
5. Submit the payment and save your confirmation number.
    

If you need ongoing access to your loan details, consider registering for an online account.

Important dates, fees, or risks

• Payments submitted after the daily cutoff time may post the next business day.
• Late fees, if applicable, are determined by your loan terms.
• Processing times may vary depending on your loan status.
   

If you’re unsure whether a payment will post before a due date, review your billing statement or contact us before submitting.

Contact us if…

• You receive an error when trying to access pay as a guest
• Your loan is in bankruptcy or foreclosure and pay as a guest is unavailable
• You did not receive a confirmation number
• You’re unsure whether your payment was successfully submitted
  
   

This article is for general information only and does not change the terms of your loan.