How to access your Newrez account and pay your mortgage
Newrez is a mortgage servicer that handles loan payments for homeowners whose mortgages they own or service. To make a payment through Newrez, you log into your account on their website using your username and password, then navigate to the payment section. You can pay online using a bank account or debit card, by phone, or by mail — the method you choose depends on how quickly you need the payment processed and whether you want to set up automatic payments.
If you do not yet have a Newrez online account, you will need to create one before you can make a payment. This takes a few minutes and requires your loan number and some personal information to verify your identity.
Key Takeaways
- You can create a Newrez account at newrez.com by entering your loan number and personal details to verify you own or service the loan.
- Once logged in, the payment option appears in your account dashboard and lets you choose between bank account, debit card, or one-time payment methods.
- Online payments typically process within one to two business days, while phone payments may process faster depending on the time you call.
- Setting up automatic payments through Newrez can help you avoid late fees, though you can cancel or change the amount at any time.
- If you cannot access your account or forget your password, Newrez offers password reset and account recovery options on their login page.
Creating your Newrez account for the first time
Go to newrez.com and look for the login or account creation option, usually labeled "Sign In" or "Create Account" at the top of the page. Click the option to create a new account. You will be asked to enter your loan number — this appears on your mortgage statement — and your Social Security number or tax ID to verify that you are the borrower or authorized user on the loan.
After you provide this information, Newrez will ask you to create a username and password. Choose a password that is at least eight characters long and includes a mix of letters, numbers, and symbols, since stronger passwords protect your account from unauthorized access. You may also be asked to set up security questions or provide an email address for account recovery.
Once your account is created, you will receive a confirmation email. Log in using your new username and password, and your loan information should appear in your dashboard.
Logging in and navigating to the payment screen
Go to newrez.com and enter your username and password on the login page. If you have multiple loans with Newrez, select the loan you want to pay from the list that appears after you log in. Your account dashboard will show your loan balance, next payment due date, and payment history.
Look for a button or link labeled "Make a Payment," "Pay Now," or "Payment Options" — the exact wording varies depending on when Newrez last updated their website. Click this button to open the payment screen. You will see options for the payment method you want to use and the amount you want to pay.
Payment methods and processing times
Newrez accepts payments through three main methods: online bank transfer, debit card, and phone. Online bank transfers (also called ACH payments) typically cost nothing and process within one to two business days. You will need to provide your bank's routing number and your account number, which appear on the bottom left of any check from that account.
Debit card payments process faster — usually the same day or next business day — but Newrez or a third-party processor may charge a fee, typically between $5 and $15 depending on the card type. Phone payments can be made by calling Newrez's payment line; the number appears on your statement or on their website. Phone payments may process the same day if you call before a certain cutoff time, usually in the afternoon.
Mail payments take the longest — typically seven to ten business days from the time Newrez receives the check — so use this method only if you have extra time before your payment is due. Write your loan number on the check and mail it to the address shown on your statement.
Setting up automatic payments
If you want Newrez to withdraw your payment automatically each month, log into your account and look for an "Autopay" or "Automatic Payment" option, usually found in account settings or near the payment button. Select this option and choose the day of the month you want the payment to be withdrawn — many borrowers choose the first or the day after they receive their paycheck.
You can set up autopay using a bank account (no fee) or a debit card (may have a fee). Autopay reduces the risk of late payments and late fees, since the payment goes through without you having to remember to log in each month. You can cancel or change the amount at any time by logging back into your account and adjusting your autopay settings.
What to do if you cannot log in or forget your password
On the Newrez login page, look for a link that says "Forgot Password" or "Forgot Username." Click this link and enter your loan number or email address associated with your account. Newrez will send you a password reset link to your email, usually within a few minutes. Click the link in that email and create a new password.
If you do not receive the reset email within 15 minutes, check your spam or junk folder — sometimes password reset emails are filtered there by mistake. If you still cannot access your account, call Newrez's customer service number, which appears on your mortgage statement. Have your loan number and Social Security number ready so they can verify your identity and help you regain access.
Understanding payment application and due dates
When you make a payment through Newrez, the money does not always reach your loan account on the same day. Online bank transfers typically take one to two business days to clear, which means a payment you make on Monday might not show up in your account until Wednesday. This delay matters if your payment is due soon, because Newrez applies the payment based on when it clears, not when you submit it.
If you are close to your due date and want to avoid a late fee, use a debit card or phone payment instead of a bank transfer, since these process faster. Your mortgage statement shows your due date and the grace period (usually 15 days after the due date) before a late fee is charged. Newrez considers a payment late if it arrives after the due date, even if you submitted it online before that date.
Frequently Asked Questions
Can I make a partial payment through Newrez online?
Yes. When you log into your account and navigate to the payment screen, you can enter any amount you want to pay, not just your full monthly payment. However, check your loan documents or call Newrez to confirm whether partial payments are allowed under your loan terms, since some loans require the full payment each month.
What happens if I pay too much by accident?
If you overpay, Newrez will apply the extra amount to your next month's payment or hold it as a credit on your account. You can also request a refund by calling customer service, though this may take several weeks to process. It is easier to avoid overpayment by double-checking the amount before you submit the payment.
Is it safe to pay my mortgage through the Newrez website?
Newrez uses encryption and security measures to protect your banking information, similar to what banks use for their own websites. However, make sure you are on the real Newrez website (newrez.com) and not a fake site created to steal information. Never click a link in an email claiming to be from Newrez unless you initiated contact with them first.
Can I change my payment due date?
Your due date is set by your loan documents and cannot be changed through the Newrez website. If you want to request a different due date, call Newrez customer service to discuss your options. Some loans allow due date changes, but this may require a formal request and approval from the lender.
What if my payment is returned or rejected?
If a bank transfer or debit card payment is rejected, Newrez will usually send you a notice explaining why — common reasons include insufficient funds, an incorrect account number, or a closed account. Log back into your account, correct the payment method, and try again. If the problem persists, call Newrez to confirm your banking details are correct.