Change your email where your lender sends statements and notices

Your mortgage lender has your email on file for a reason: they use it to send you monthly statements, payment reminders, tax documents, and notices about changes to your loan. If you've changed email addresses, you need to update it with your lender so you don't miss important documents or payment deadlines.

The process is straightforward but varies slightly by lender. Most large banks and mortgage servicers let you change your email through their online portal, by phone, or in person at a branch. Smaller lenders or loan servicers may require a written request. The change usually takes effect within one to three business days.

You'll need your loan number and proof of identity — typically your Social Security number or the last four digits of it. Have both ready before you contact your lender, whether online or by phone.

Key Takeaways

  • Update your email with your mortgage lender through their online account portal, by calling their customer service number, or by visiting a branch in person.
  • Keep your old email active for at least a few days after the change so you can receive the confirmation message from your lender.
  • Your homeowners insurance company, property tax assessor, and HOA (if you have one) also have your email and should be updated separately.
  • If you use online bill pay through your bank, update your lender's email address there as well so payment confirmations go to the right place.
  • Save a copy of any confirmation email showing the change was successful, in case there's a dispute about which email is current.

Change email through your lender's online portal

Most mortgage servicers now offer online account management. Log into your account on your lender's website or mobile app, look for "Account Settings," "Profile," or "Contact Information," and find the email field. Enter your new email address and save the change.

The system will usually send a confirmation email to your new address asking you to verify it. Click the link in that email within 24 hours to complete the change. Until you verify, your old email may still be active. This is a safety feature — it prevents someone from changing your email without your knowledge.

If your lender doesn't have an online portal or you can't find the email settings, move to the phone or in-person method.

Change email by calling your lender's customer service

Call the customer service number on your mortgage statement or on your lender's website. Have your loan number and the last four digits of your Social Security number ready. Tell the representative you want to update the email address on your account.

They will verify your identity, confirm the new email address with you (ask them to spell it back), and make the change in their system. Ask them to send a confirmation email to your new address so you have proof the change went through. Write down the date, time, and the representative's name in case you need to reference the call later.

This method is slower than the online portal — changes can take one to three business days to appear in the system — but it's reliable and creates a record of the request.

Update email with your insurance company and other accounts

Your mortgage lender is not the only entity that needs your email. Your homeowners insurance company sends renewal notices, policy changes, and claims updates to the email on file. If you don't receive a renewal notice, you could accidentally let your policy lapse, which your lender requires you to maintain.

Contact your insurance agent or log into your insurance company's online portal and update your email there. Do the same for your property tax assessor (usually through your county assessor's website) and your HOA if you have one. These organizations send important notices about tax bills, assessment changes, and community rules.

If you use an online bill pay service through your bank to send your mortgage payment, update the payee information there as well so payment confirmations go to your new email.

What to do if you don't receive a confirmation email

After you change your email, you should receive a confirmation message within a few hours. If you don't see it after 24 hours, check your spam or junk folder — sometimes confirmation emails get filtered there by mistake.

If it's not in spam, contact your lender again and ask them to resend the confirmation or verify that the change went through. Don't assume the change is complete until you have confirmation. In the meantime, keep your old email active so you continue to receive statements and notices.

Some lenders require you to verify the new email before it becomes active. Others make the change immediately and send the confirmation as a courtesy. Either way, you should have written proof that the change was requested and processed.

Keep your old email active during the transition

For at least one week after you change your email, keep your old email account open and check it regularly. Your lender may still send documents to the old address if the change hasn't fully processed, and you need to catch those messages so you don't miss a payment deadline or important notice.

Once you've received several statements or notices at your new email address, you can safely close or stop monitoring the old account. But don't delete it immediately — keep it active for at least 30 days in case a delayed message arrives.

Frequently Asked Questions

Will changing my email affect my mortgage payments?

No. Your email address is only used for communication and statements. Changing it does not change your loan terms, payment amount, or payment method. Your payments will continue to go through normally.

Can I have two email addresses on my mortgage account?

Most lenders allow only one primary email address per account. If you're married or co-own the property, ask whether your lender can add a second email for the co-borrower. Some servicers support this; others do not.

What if I change my email but my lender keeps sending to the old one?

Call your lender's customer service and ask them to manually verify the change in their system. Provide the date you requested the change and ask them to confirm the new email is now active. Request that they send a test message to the new address to confirm it's working.

Do I need to update my email if I'm selling my house?

No. Once you pay off the loan, the lender will close your account and stop sending statements. You don't need to update anything. However, if you're refinancing into a new loan, you'll set up a new email address during that process.