Accessing Your Roundpoint Mortgage Account Online
Roundpoint Mortgage's online payment portal is at www.roundpointmortgage.com. To log in, you'll need your loan number and a password you create during your first visit. If you don't have an online account yet, you can set one up on that same website by selecting "Register" or "Create Account" and entering your loan information.
Once you're logged in, you can view your current balance, payment history, escrow account details, and upcoming due dates. The portal also shows you how much of each payment goes toward principal, interest, taxes, and insurance if those are included in your monthly payment.
If you forget your password, use the "Forgot Password" link on the login page. Roundpoint will send a reset link to the email address on file with your account. Make sure the email address in your account profile is current, or you won't receive password recovery messages.
Key Takeaways
- Log in at www.roundpointmortgage.com with your loan number and password to access your account and make payments online.
- You can set up automatic monthly payments, make one-time payments, or pay extra toward principal through the online portal.
- Payments made online typically post within one to two business days, though the exact timing depends on when you submit them.
- If you don't have internet access or prefer to pay by phone, Roundpoint accepts payments by calling their customer service line.
- Keep your contact information updated in your account so you receive payment reminders and important notices about your loan.
Making a One-Time Payment Online
After logging in, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Select the payment type—most borrowers choose "Regular Monthly Payment"—and enter the amount you want to pay. You can pay your full monthly amount, make a partial payment, or pay extra toward your principal balance.
Roundpoint lets you choose your payment method: bank account (ACH transfer) or debit card. Bank account transfers usually have no fee and take one to two business days to post. Debit card payments may process faster but sometimes carry a small fee depending on your card issuer.
Before you confirm the payment, the portal will show you the payment date and the account it will be drawn from. Double-check this information, especially if you're paying from a different bank account than usual. Once you submit, you'll receive a confirmation number—save this for your records.
Setting Up Automatic Monthly Payments
Automatic payments remove the need to log in each month. From your account dashboard, select "Autopay" or "Automatic Payments" and choose your payment amount and the day of the month you want it to be drawn. Most borrowers choose their loan's due date or a few days before it.
You can set up autopay using your bank account (ACH) or debit card. Bank account payments are free and are the most common choice. You can change or cancel autopay at any time through your online account, though Roundpoint recommends giving at least a few days' notice before the scheduled payment date.
If your loan payment amount changes—because your property taxes or insurance increased, for example—you'll need to update your autopay amount manually. Roundpoint will notify you of changes to your payment, but it's your responsibility to adjust autopay if you want it to reflect the new amount.
Paying by Phone or Mail
If you don't want to pay online, you can call Roundpoint's customer service line to make a payment by phone. A representative can process a payment from your bank account or debit card over the phone. The phone number is on your monthly statement and on the Roundpoint website.
You can also mail a check or money order to the address listed on your statement. Write your loan number on the check so the payment is applied to the correct account. Mail payments take longer to reach Roundpoint and post to your account, so send them at least 10 days before your due date to avoid a late payment.
Some borrowers use third-party bill-pay services through their bank. If you do this, make sure the payment is sent to the correct Roundpoint address for your loan servicer location, which may vary. Check your statement or call Roundpoint to confirm the mailing address.
Understanding Payment Posting and Timing
Online payments typically post to your account within one to two business days. This means the money leaves your bank account right away, but Roundpoint's system may not show it as received until a day or two later. During this time, your account balance won't change, and you may still see your payment as "pending."
Payments made after 5 p.m. Eastern Time on a business day usually won't be processed until the next business day. Payments made on weekends or holidays are processed on the next business day. If you're close to your due date, submit your payment at least two business days early to be safe.
Late fees apply if your payment is not received by the due date shown on your statement. Even if you submit a payment online before the due date, it must actually post to your account by that date to avoid a late fee. This is why mailing checks close to the due date is risky.
Troubleshooting Login and Payment Problems
If you can't log in, first check that you're using the correct website: www.roundpointmortgage.com. Typos in the URL can lead to fake sites. If the website is correct but you still can't log in, try resetting your password using the "Forgot Password" link. If that doesn't work, contact Roundpoint customer service by phone.
If a payment you submitted online doesn't appear in your account after two business days, log back in and check your payment history. Look for a confirmation number or receipt. If the payment shows as "pending," wait another day. If it's been more than two business days and the payment doesn't show up, call customer service with your confirmation number.
If you see an error message when trying to pay, it may be a temporary system issue. Try again in a few minutes or use a different payment method (bank account instead of debit card, for example). If the error persists, call Roundpoint to make a payment by phone instead.
Keeping Your Account Secure
Use a strong, unique password for your Roundpoint account—one you don't use for other websites or accounts. Change your password every few months and never share it with anyone, including Roundpoint employees. Roundpoint will never ask for your password by email or phone.
Log out of your account when you're finished, especially if you're using a shared computer. Don't save your login information in your browser on a shared device. If you suspect someone has accessed your account without permission, change your password immediately and call Roundpoint to report it.
Watch your statements for unauthorized payments or changes to your account information. If you notice anything unusual, contact Roundpoint right away. Keep your contact information current so you receive statements and alerts about your account.
Frequently Asked Questions
What if I don't receive a payment confirmation after I pay online?
You should receive a confirmation number immediately after submitting a payment. If you didn't see one, check your email for a confirmation message from Roundpoint. If you still can't find it, log back into your account and check your payment history to see if the payment was recorded. If it's not there, contact customer service.
Can I change my payment due date?
Your payment due date is set by your loan agreement and typically cannot be changed. However, you can choose when to make your payment each month through autopay or one-time payments, as long as it reaches Roundpoint by the due date. If you're having trouble making payments on your current due date, call Roundpoint to discuss your options.
What happens if I pay extra toward my principal?
Extra payments toward principal reduce the total amount of interest you'll pay over the life of your loan and can shorten your loan term. When you make a payment online, you can specify that the extra amount should go toward principal. Make sure your payment instructions are clear so Roundpoint applies it correctly.
Is there a fee to pay online?
Roundpoint does not charge a fee for online payments made from your bank account (ACH). Some debit card payments may incur a small fee from your card issuer, not from Roundpoint. Check with your bank or card company if you're unsure.
Can I see my escrow account balance online?
Yes. When you log into your Roundpoint account, your dashboard typically shows your escrow balance, recent escrow transactions, and upcoming tax and insurance payments. If you don't see this information, look for an "Escrow" or "Account Details" tab in your account.