Movement Mortgage payment methods and where to send money

Movement Mortgage accepts payments through their online portal, by phone, by mail, and through automatic bank transfers. The fastest and most reliable method is logging into your Movement Mortgage account online and paying directly through their website — the payment posts the same day if submitted before their cutoff time, usually in the afternoon. You can also set up automatic payments so the money leaves your bank account on the same date each month without you having to remember.

If you prefer to pay by phone, call Movement Mortgage's customer service line at the number on your mortgage statement. A representative can process your payment over the phone using your bank account or debit card. Payments made this way typically post within one business day.

For mailed payments, send a check or money order to the address listed on your statement — never mail cash. Include your loan number on the check itself and allow 7 to 10 business days for the payment to arrive and post to your account. Movement Mortgage's mailing address appears on every statement you receive.

Key Takeaways

  • Online payments through your Movement Mortgage account portal post the same day if submitted before the afternoon cutoff.
  • Automatic payments set up through your bank account remove the need to remember your due date each month and help you avoid late fees.
  • Phone payments process within one business day and require your bank account or debit card information.
  • Mailed checks take 7 to 10 business days to post, so send them at least two weeks before your due date to avoid a late payment.
  • Your loan number must appear on any payment you send by mail or phone so Movement Mortgage can match it to your account.

Setting up automatic payments from your bank account

Automatic payments are the most hands-off option and reduce the risk of missing a due date. Log into your Movement Mortgage account online, navigate to the payments section, and select "Set up automatic payment" or "Autopay." You will need your bank's routing number and your account number — both appear on the bottom left of any check from that account.

Choose the date each month when you want the payment to leave your bank account. Most borrowers pick a date shortly after they receive their paycheck. Movement Mortgage will deduct the full monthly payment automatically on that date every month until you cancel the arrangement. You can change or stop automatic payments anytime through your online account.

Automatic payments do not lock you into a single payment amount. If you make extra payments toward principal or if your payment changes due to an escrow adjustment, your automatic payment will still work — you are just authorizing Movement Mortgage to pull your regular monthly payment on a set schedule.

What happens if your payment is late

A payment is considered late if it does not post to your account by the due date shown on your statement. Most mortgage servicers, including Movement Mortgage, charge a late fee if your payment arrives after that date. The fee amount varies but is typically 4 to 5 percent of your monthly payment. A single late payment also appears on your credit report and can lower your credit score.

If you know you will miss your due date, contact Movement Mortgage before the date arrives. Some servicers can work with you on a temporary arrangement or allow you to make a partial payment to avoid the full late fee. Waiting until after the payment is late makes those options much harder to access.

After 30 days late, the late payment shows on your credit report. After 90 days late, your loan may be reported as in default, which can trigger foreclosure proceedings. The sooner you catch up, the less damage occurs to your credit and your loan status.

Paying extra toward principal

You can pay more than your required monthly payment at any time, and the extra amount goes toward reducing your loan balance rather than being held as a credit. This shortens the life of your loan and reduces the total interest you pay over time. Make the extra payment through the same method you use for your regular payment — online, by phone, or by mail.

When paying extra online or by phone, specify that the amount above your regular payment should go toward principal. If you are mailing a check, include a note with your loan number stating the extra amount is for principal reduction. Without that instruction, Movement Mortgage may hold the extra money as a credit on your account instead of applying it immediately.

Some borrowers make one extra payment per year by splitting their monthly payment into two payments every month. Others round up their payment by $50 or $100 each month. Even small extra payments add up over a 30-year loan and can save tens of thousands in interest.

Changing your payment amount or due date

Your regular monthly payment is set by your loan terms and does not change unless your property taxes, homeowners insurance, or mortgage insurance premium changes — these items are held in your escrow account and adjusted annually. You cannot simply decide to pay less each month. However, you can request a loan modification through Movement Mortgage if your financial situation has changed significantly and you need a lower payment.

Your due date is typically the first of the month, but you may be able to request a different due date that aligns better with your paycheck schedule. Log into your account or call Movement Mortgage to ask about changing your due date. Some servicers allow one change per year at no cost.

If you received a loan modification, refinance, or loan assumption, your payment amount and due date may have changed as part of that process. Check your most recent statement to confirm the current amount and date.

Troubleshooting payment problems

If you made a payment online but do not see it posted within one business day, log back into your account and check the payment status. Most online systems show whether a payment is pending, processed, or failed. If the payment failed, the system usually explains why — often because of insufficient funds or a mismatched account number.

If you mailed a check and it has been more than 10 business days without the payment posting, call Movement Mortgage with your check number and the date you mailed it. They can search their records to see if the check arrived and where it is in the processing queue. If the check was lost in the mail, you may need to stop payment on that check through your bank and send a new one.

If you set up automatic payments but the payment did not go through, check your bank account to see if the debit was attempted. If Movement Mortgage tried to pull the payment but your account had insufficient funds, the payment failed and a late fee may apply. Contact your bank to confirm the transaction was declined, then contact Movement Mortgage to arrange a new payment date.

Frequently Asked Questions

Can I pay my Movement Mortgage through a third-party bill pay service?

Yes, many banks and bill pay services allow you to send a payment to Movement Mortgage's mailing address. Treat it like a mailed check — allow 7 to 10 business days for delivery and posting, and include your loan number on the payment. Do not use a third-party service if you need the payment to post by a specific date, because you cannot control the mail delivery time.

What if I want to pay off my entire loan early?

Contact Movement Mortgage and ask for a payoff quote, which states the exact amount needed to close your loan as of a specific date. The payoff amount includes your remaining principal balance plus any interest accrued through that date. Once you have the quote, you can arrange to send that amount. Some lenders charge a prepayment penalty if you pay off the loan early, though federal law prohibits this on most mortgages — check your loan documents.

Does paying online cost extra?

No. Movement Mortgage does not charge a fee for online payments made through their official website or mobile app. If you use a third-party bill pay service through your bank, check with your bank about their fees — some charge a small amount for bill pay services, though most do not.

What if my payment is due on a weekend or holiday?

Your payment is considered on time if it posts by the due date. If the due date falls on a weekend or holiday, Movement Mortgage typically extends the deadline to the next business day. However, do not rely on this — submit your payment early enough that it posts by the stated due date, regardless of what day of the week it falls on.

Can I make a payment without logging into my account?

Yes. You can pay by phone by calling the number on your statement, or by mailing a check to the address on your statement. Both methods work without accessing your online account. However, online and automatic payments are faster and give you immediate confirmation that the payment was received.