What Pitt Payment is and how to use it
Pitt Payment is the online portal where homeowners with mortgages backed by Pitt Mortgage Company make their monthly payments and manage their loan account. You can pay your mortgage, view your payment history, download statements, and update your contact information through the portal. Access it by logging in with your username and password, or by creating an account if you haven't already.
The portal is designed to give you control over when and how you pay. You can set up one-time payments, schedule recurring automatic payments, or pay early without penalty. Most homeowners use it to avoid missing a payment deadline or to track what portion of their payment goes toward principal versus interest.
Key Takeaways
- Pitt Payment is an online account portal where you log in to make mortgage payments and view your loan details.
- You can pay by bank transfer, debit card, or credit card, though fees may apply depending on your payment method.
- Setting up automatic payments through the portal reduces the risk of late fees and helps you stay on schedule.
- Your payment history and loan statements are stored in your account, so you can download them anytime for your records.
- If you cannot access your account or have questions about a specific payment, Pitt's customer service can help you troubleshoot.
How to create and log into your Pitt Payment account
If you receive a mortgage statement from Pitt Mortgage Company, you should have received login credentials or instructions to set up your account. Go to the Pitt Payment website and look for a "Log In" or "Register" button. If you're registering for the first time, you'll typically need your loan number (found on your mortgage statement), your Social Security number, and your date of birth to verify your identity.
Once your account is created, save your username and password in a secure place. Many homeowners use a password manager to store login details. If you forget your password, the portal has a "Forgot Password" link that will walk you through resetting it. If you cannot reset it yourself, contact Pitt's customer service line — the number is usually on your mortgage statement.
Payment methods and how to submit a payment
Pitt Payment accepts payments through several methods: bank account transfer (ACH), debit card, and credit card. Bank transfers are usually free or have the lowest fee, while debit and credit card payments may carry a processing fee of 1% to 3% of the payment amount. Before you choose a method, check whether the fee is worth it to you — paying $30 to use a credit card for a $1,000 payment rarely makes financial sense.
To submit a payment, log into your account, select "Make a Payment," enter the amount you want to pay, choose your payment method, and confirm. The portal will show you the payment date — this is the date the money will be deducted from your account or charged to your card. Keep in mind that the payment date and the date it arrives at Pitt may be different by one or two business days. If your payment is due on the 15th and you submit it on the 14th, it should arrive on time, but verify the exact date the portal shows before you confirm.
Setting up automatic payments to avoid missed deadlines
Automatic payments are one of the simplest ways to stay current on your mortgage. In your Pitt Payment account, look for an option to set up recurring or automatic payments. You'll choose the amount (usually your full monthly payment), the day of the month you want it to come out, and your payment method. Most homeowners set it for a few days before their due date to ensure it clears in time.
Automatic payments do not lock you in permanently — you can cancel or change them anytime through your account. If you know you'll have a lower income one month or need to adjust the payment date, log in and modify the schedule. Some homeowners set automatic payments for the minimum amount and then make extra payments manually when they can, which gives you flexibility while protecting you from accidental late payments.
Understanding your payment breakdown and loan details
Each payment you make is split between principal (the amount you borrowed) and interest (the cost of borrowing). Early in your loan, most of your payment goes to interest; later, more goes to principal. Your Pitt Payment account shows this breakdown on your statement. You can also see your current loan balance, interest rate, and remaining term.
Download and save your statements regularly, especially at tax time or if you're refinancing. These documents show your payment history and are proof that you've paid on time. If you ever dispute a payment or need to show proof of payment for a loan modification or refinance application, having statements from your account makes the process faster.
What to do if you cannot access your account or have a payment problem
If you forget your login credentials, use the "Forgot Password" or "Forgot Username" link on the Pitt Payment homepage. If that doesn't work, or if you see an error message, contact Pitt's customer service. The phone number is on your mortgage statement and on the Pitt Payment website. Have your loan number and the last four digits of your Social Security number ready when you call.
If a payment didn't go through, didn't post to your account, or was charged twice, contact customer service right away. They can trace the payment, confirm whether it was received, and help you resubmit if needed. If you're facing a hardship and cannot make your full payment, ask about payment plans or loan modification options — many mortgage companies have programs to help homeowners who are struggling temporarily.
Frequently Asked Questions
Can I pay my Pitt mortgage by phone or mail instead of online?
Yes. Most mortgage companies accept phone payments and mailed checks, though online payment is usually faster and gives you an immediate confirmation. Call the customer service number on your statement to ask about phone payment options, or mail a check to the address listed on your mortgage statement. Include your loan number on the check so the payment is credited to the right account.
Is there a fee to pay my mortgage through Pitt Payment?
Bank transfer payments are usually free or have a very small fee. Credit and debit card payments typically carry a 1% to 3% processing fee. The portal will show you the fee before you confirm the payment, so you can decide whether to proceed or use a different method.
What happens if my payment is late?
Most mortgage contracts allow a grace period of 10 to 15 days after the due date before a late fee is charged. If you miss the grace period, Pitt will add a late fee to your account and may report the late payment to credit bureaus, which can lower your credit score. If you know a payment will be late, contact customer service immediately to discuss options.
Can I make extra payments to pay off my mortgage faster?
Yes. You can log into Pitt Payment and submit a one-time payment for any amount above your regular monthly payment. Make sure there are no prepayment penalties in your loan agreement before you do this. Extra payments go toward principal and can shorten your loan term and reduce the total interest you pay.
How do I update my contact information or mailing address?
Log into your Pitt Payment account and look for a "Profile," "Account Settings," or "Contact Information" section. You can usually update your phone number, email, and mailing address there. If you cannot find it online, call customer service and they can update it for you over the phone.