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PAYMENT FAQs

Frequently Asked Questions

1. How do I view my loan information online? 

If you have already registered, click here to login to your account.  If you haven't, click here to create an account.

2. What are my options for making a payment?

  • Mail monthly payments to 9597 Jones Road, Suite 324, Houston, TX 77065
  • Pay by phone by calling 832-912-2168 or call toll free at 866-520-4702.  Please note, a $15 fee will apply.
  • You may log into your account and set up recurring payments or a one-time payment.
  • Set up ACH (Automatic Clearing House).  Click here to download an "ACH draft form."
  • If you would like to drop off a payment you may do so at 9601 Jones Road, Suite 108, Houston, TX 77065

3. When are my payments due? 

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. 

4. My taxes and insurance are included in my monthly payment.  If I receive an invoice/statement, what  should I do? 

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).

5. What is the daily cut off time for getting my payment posted the day I make the payment?

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.

6. I am set up for ACH withdrawal on the last day of my grace period.  What if this day falls on a weekend or holiday, will I be charged a late fee? 

No, you will not be charged a late fee.  Your payment will process on the following business day and posted to your account.

7. When are late charges assessed to my 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.

8. How can I get a duplicate of my monthly statement?

To obtain a copy of your monthly statement, log in at the top of this page and proceed to the Statements/Documents Tab.

9. I have a fixed-rate loan, why is my payment increasing/decreasing?

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.

10. When can I expect to receive my annual escrow analysis?

Typically the analysis is completed in February to be effective for the April payment.

11. My escrow analysis indicates a shortage and/or deficit that will be spread over 12 months. Can I pay a lump sum amount to reduce my 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.

12. Can my mortgage loan be set-up for bi-weekly or semi-monthly payments?

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.

13. How do I request a payoff statement?

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.

14. I am experiencing financial difficulties, are there any options to assist with my mortgage payments?

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

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SERVICING DEPARTMENT  |  PAY MY MORTGAGE  |  RECOVERY FUND NOTICE  |  SECURE DOCUMENT TRANSFER  l  CLIENT/INVESTOR LOGIN | 

A consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. 

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of Licensed Residential Mortgage Loan Originators.  A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2023. Equal Housing Lender. All rights reserved. Member Home Loan, MHL, and all related logos are trademarks of Member Home Loan, LLC. Office located at 9601 Jones Rd., suite 108, Houston, TX 77065.   NMLS#105693. Member Home Loan is a subsidiary of CU Alliance, LLC.

Member Home Loan, LLC  |    NMLS#105693

9601 Jones Road, Suite 108  |  Houston, TX 77065

832-912-2151  |  questions@MHLcu.com

SERVICING DEPARTMENT  |  PAY MY MORTGAGE  |  RECOVERY FUND NOTICE  |  SECURE DOCUMENT TRANSFER  l  CLIENT/INVESTOR LOGIN | 

A consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. 

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of Licensed Residential Mortgage Loan Originators.  A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2023. Equal Housing Lender. All rights reserved. Member Home Loan, MHL, and all related logos are trademarks of Member Home Loan, LLC. Office located at 9601 Jones Rd., suite 108, Houston, TX 77065.   NMLS#105693. Member Home Loan is a subsidiary of CU Alliance, LLC.