If you have already registered, click here to login to your account. If you haven't, click here to create an account.
Your statement will let you know the due date for your loan in the top right-hand corner. To view your statement, log in to your account and proceed to the "Statements/Documents" tab.
If your taxes and/or insurance are included in your monthly mortgage payment and you are mailed a bill or a statement for taxes and/or insurance, please send a copy to our office for our records (Fax: 832-237-0081).
You can make payments until 5:00 PM CST. However, our daily cut off time to have your payment post the same day is 3:00 PM CST. This applies to all methods of payment. So, keep in mind, if you are making your mortgage payment via phone, website or if you drop it off to us after 3:00 PM CST, the payment will not be posted until the next business day. Any payments made after 3:00 PM on the day of the grace period ends will be processed the next business day potentially incurring a late charge.
No, you will not be charged a late fee. Your payment will process on the following business day and posted to your account.
Your loan is subject to a late charge at the expiration of your grace period. If this date falls on a weekend or holiday, then it may be assessed the next business day following the weekend or holiday.
To obtain a copy of your monthly statement, log in at the top of this page and proceed to the Statements/Documents Tab.
Fixed rate loans that have escrow accounts may have changes in the payment amounts. An increase or decrease in the annual taxes and/or hazard insurance will cause fluctuation in the payment amount. The account will be analyzed annually.
Typically the analysis is completed in February to be effective for the April payment.
You may make a lump sum payment to your escrow account. Paying a shortage will reduce your payment by the prorated shortage amount. Due to the escrow payment being determined by dividing an expected disbursement by 12, the payment may not revert to the previous amount.
Mortgage loans will not be converted from monthly payments to bi-weekly or semi-monthly payments. The Note signed at closing dictates the payment frequency. You may occasionally receive a solicitation by a third party to set-up payments bi-weekly or semi-monthly. This company is not associated with Member Home Loan.
A. A borrower may call our office to request a payoff. The requested payoff will be mailed to the address on file. If a borrower would like the payoff faxed or emailed we must have a written request with a signature. The borrower may fax, email, or mail the signed authorization. Please include the loan number and property address.
B. Third party requests must have a Letter of Authorization with the borrower’s signature(s) and must be faxed, emailed, or mailed.
Please don’t forget to request a “Payoff Good through Date”. A one-time $35 Fee will be assessed when requesting a payoff. Payoffs should be sent via wire or certified funds. The bank wire instructions are printed on the payoff statement.
There could be several options depending on your financial situation. Not everyone will qualify. Please contact our office to discuss the details with our default team in regards to your specific situation.
Click here to download the Borrower's Response Package". (Please note that this link will open a PDF document and require Adobe Acrobat Reader. If you do not have access to this software or are having problems with the below documents, please contact us and we will assist you.) Then gather the supplimental information required and complete the form. Submit all documents to the email or fax number shown below.
Please contact us for more information:
Phone: 832-912-2168 or 1-866-520-4702
Fax number: 832-237-0081
Email: info@mhlcu.com