How to access your Amerisave account and make a payment
Amerisave uses a platform called YourMortgageOnline to let you manage your loan online. To sign in and make a payment, go to yourmortgageonline.com, enter your username and password, and navigate to the payment section. If you don't have an account yet, you'll need to create one first using your loan number and other identifying information from your mortgage documents.
Once you're logged in, the payment option is usually visible on your dashboard or in a menu labeled "Make a Payment" or "Pay Now." You can pay by bank transfer (ACH), debit card, or credit card, though credit card payments may carry a fee. The system will show your current balance, next due date, and how much you owe.
Payments typically post within one to two business days if you submit them before the cutoff time, which is usually early afternoon. If you're paying close to your due date, plan ahead — a payment submitted on the due date itself may not post in time to avoid a late fee.
Key Takeaways
- Sign in at yourmortgageonline.com with your username and password to access your Amerisave account.
- You can pay by ACH transfer, debit card, or credit card, but credit card payments usually charge a processing fee.
- Payments post within one to two business days, so submit them before the cutoff time if your due date is soon.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email or loan number.
- Setting up automatic payments through ACH transfer can prevent missed payments and typically has no fee.
Creating your YourMortgageOnline account if you don't have one
If you've never logged into YourMortgageOnline before, you'll need to register first. Go to yourmortgageonline.com and look for a "Register" or "New User" button. You'll be asked to enter your loan number, which appears on your mortgage statement or closing documents.
The system will ask for personal information to verify your identity — typically your name, date of birth, email address, and the last four digits of your Social Security number. After verification, you'll create a username and password. Make your password strong (mix of letters, numbers, and symbols) and store it somewhere secure.
Once your account is active, you can log in anytime to view your balance, payment history, and loan details. Some users receive an email confirmation; others can log in immediately.
What to do if you can't remember your password
On the YourMortgageOnline login page, click the "Forgot Password" or "Forgot Username" link. You'll be asked to enter your loan number or email address associated with your account. Amerisave will send you a link to reset your password, usually within a few minutes.
Check your email (including spam or promotions folders) for the reset link. The link typically expires after a few hours, so act quickly. If you don't receive an email, verify you entered the correct email address or loan number, or contact Amerisave's customer service for help.
Setting up automatic payments to avoid missing a due date
YourMortgageOnline lets you schedule recurring payments so you don't have to log in every month. During payment setup, look for an option to "Schedule" or "Set Up Automatic Payment." You'll choose your payment amount, frequency (usually monthly on a specific date), and payment method.
ACH transfers from your bank account are the most common choice for automatic payments and usually have no fee. You'll need to provide your bank account number and routing number. Once set up, the payment will be deducted automatically on the date you choose, as long as your account has sufficient funds.
Review your automatic payment setup once a year to make sure the amount and date still match your loan terms. If your loan changes — for example, if you refinance — you may need to update or cancel the old automatic payment.
Payment methods and fees on YourMortgageOnline
Amerisave accepts three main payment methods through YourMortgageOnline: ACH bank transfer, debit card, and credit card. ACH transfers are free and take one to two business days to post. Debit card payments are also typically free but post the same day or next business day.
Credit card payments usually carry a processing fee — the amount varies but is often 2% to 3% of your payment. If you use a credit card, factor in that fee when deciding whether it's worth the points or rewards you might earn. Some people use credit cards only for large payments or when they need the extra time before the charge posts.
If you pay by mail or phone instead of online, contact Amerisave directly for instructions and any associated fees. Online payment through YourMortgageOnline is usually the fastest and cheapest option.
Understanding your payment posting date and due date
Your mortgage payment is due on a specific date each month — this is the deadline. Your payment posts when the money actually reaches Amerisave's account, which may be one to two business days after you submit it online. These are not the same thing.
If your due date is the 15th and you submit a payment on the 14th at 3 p.m., it may not post until the 16th, which means it's late even though you tried to pay on time. To be safe, submit payments at least two business days before your due date. If you're cutting it close, call Amerisave to ask about their cutoff time that day.
Your YourMortgageOnline dashboard shows both your due date and your current balance. Some accounts also show a "grace period" — a number of days after the due date before a late fee applies — but don't rely on this. Pay by the due date to avoid any fees or credit report impact.
Troubleshooting common sign-in and payment problems
If you see an error message when trying to log in, first check that you're using the correct website: yourmortgageonline.com. Typos in the URL can take you to a phishing site. Clear your browser's cache and cookies, then try again. If the problem persists, your account may be locked after too many failed login attempts — wait a few hours before trying again, or contact Amerisave.
If a payment won't go through, check that your bank account or card has sufficient funds and hasn't expired. Some banks block large or unusual transactions; contact your bank to ask if they flagged the payment. If you're paying by ACH, make sure you entered your routing number and account number correctly — even one digit wrong will cause the payment to fail.
If you submitted a payment but don't see it posted after two business days, log back in and check your payment history. YourMortgageOnline usually shows pending and posted payments separately. If it's not there, contact Amerisave with the date and amount you submitted.
Frequently Asked Questions
Can I pay my Amerisave mortgage by phone instead of online?
Yes. Call Amerisave's customer service number (found on your mortgage statement) to pay by phone. You'll provide your loan number and payment information. Phone payments may have a fee and may take longer to post than online payments, so ask about both before you call.
What if I pay extra toward my principal?
YourMortgageOnline usually lets you specify whether extra money goes toward principal or is held as a credit toward future payments. Check the payment screen carefully before submitting. If you're unsure, contact Amerisave to confirm how your extra payment was applied.
Is it safe to enter my bank account information on YourMortgageOnline?
YourMortgageOnline is Amerisave's official payment platform and uses encryption to protect your information. However, always verify you're on the correct website (yourmortgageonline.com) and never share your login credentials with anyone. If you're unsure whether a website is legitimate, call Amerisave directly using the number on your statement.
How do I know if my payment was received?
Log back into YourMortgageOnline and check your payment history. Posted payments appear there with the date and amount. You can also wait for your next statement, which will show the payment and your updated balance. If you paid by ACH, your bank statement will also show the debit.
Can I change my payment due date?
Contact Amerisave directly to request a due date change. Some lenders allow you to move your due date once per year, while others may charge a fee or have restrictions. Ask about your options when you call — changing your due date can help align your payment with your paycheck.