We’re happy to offer several ways to make your monthly payment, see below for more information. However, we don’t have coupon books or allow your payments to be submitted via credit card, but we’re sure you’ll find the option that works best for you.

AutoPay is a great way to pay because it automatically deducts your monthly payment on the same exact date each month. You can choose where you’d like your payment deducted from: checking or savings. And you can choose the date you’d like your payment made, from the 1st to the 14th of each month. It’s totally up to you! By the way, we get a lot of inquiries about making mortgage payments via credit cards, but that’s simply not an option.

News Flash: AutoPay is free, simple to set up, and you can cancel it anytime. If you’re not already logged in, get started by clicking here.

All you have to do to set up AutoPay or make a one-time online payment is log into your EPM account and enter your preferred checking or savings account info. Click here to log in to your EPM account.

Don’t know your account number and routing number? You can most likely find it by signing into your personal bank account on your financial institution’s website. Also, for checking accounts, the account and routing numbers can be found at the bottom of your checks.

We also accept payments via the USPS mail: paper mail. Just write your loan number on a check or money order payable to `EPM.` Then remove the detachable coupon at the bottom of your most recent statement and slip it, along with your check or money order, into an envelope addressed to the below address. Misplaced your coupon? No worries, as long as your loan number is on your check or money order, we`ll be able to process it.

First Class Mail:
EPM
ATTN: Payment Processing
P.O. Box 650094
Dallas, TX 75265-0094

Overnight Mail:
EPM
ATTN: Cashiering
3138 E. Elwood St Phoenix, AZ 85034

MoneyGram:
Go to MoneyGram locations to find a location near you.

If you’re in a situation that’s thrown your usual payment routine out of whack—for example, you’re about to be vacationing, just chillin’ on the beach—you can set up a non-recurring one-time payment before you leave. If you’re not already logged in, get started by clicking here.

If your computer is on the fritz, or if you’ve emptied every drawer and found exactly zero stamps, then maybe it’s time to consider pay-by-phone. You’re just going to need your account number and the last four digits of your Social Security number. Then call 855-670-4941 and follow the instructions to make an automated phone payment. Or, if you’re wanting to speak to a team member, they’re more than happy to help you. Just follow the prompts to make a payment the way that works best for you.

This is an easy one. You can find your monthly payment due date in your mortgage agreement. Most mortgage agreements state a 1st of the month due date.

If you`re not able to make your payment on time this month, we understand, it happens sometimes.

Please give us a call at 855-670-4941 and let us know. We are always there for you to do everything we can to understand your situation and work out an arrangement that works best for you (and the sooner you call, the more we can help).

We`re your homeownership partner, and we want you to know that you`re never on your own.

A little bit of grace can go a long way, and we understand that. Your grace period is a specific number of days after your official due date--during this time you can make a payment without it being considered `late.`

If you make your payment after your grace period, it may pick up some late fees. And nobody wants to have late fees applied to their monthly payment amount.

Most late charges are assessed after the close of business on the 16th of each month. If the 16th falls on a weekend or holiday, late charges are assessed after the close of business on the next business day. (See your mortgage agreement or your monthly billing statement for your loan`s specific late fee and grace period).

If you`re uncertain if you`ll be able to make your payment before the end of your grace period, please call our Homeowner Care dept at 855-670-4941. We are always there for you to do everything we can to understand your situation and work out an arrangement that works best for you.

It`s possible it could change. The things that could affect the amount you owe each month are a change in your rate (a recent ARM adjustment); a loan modification; or an escrow payment change. If you`re interested in learning how Escrow can change your payment, check out our Escrow Frequently Ask Questions.

But breathe a sigh of relief, if the amount you owe does change, we`ll adjust your payment accordingly in order to cover it. And, of course, we`ll be sure to notify you right away.

If you have an ARM loan, you`ll be notified by letter before any changes go into effect. Depending on the specifics of your mortgage agreement, your monthly payment amount could increase or decrease.

Of course, if the change causes an increase in your payment amount that you believe will be difficult for you to manage, please call our Homeowner Care Dept at 855-670-4941 right away. We are always there for you to do everything we can to understand your situation and work out an arrangement that works best for you.

Changing your settings is a piece of cake. If you want to change the date, bank account, or amount (by removing or adding additional principal), just click here to cancel your existing Autopay and set up a new one with your new settings.

If your payment arrives on a weekend or one of the holidays below, it will post to your account the next business day that we`re back in the office.

Check out the complete list of observed holidays below.

New Year`s Day
Martin Luther King Jr.`s Birthday
Presidents` Day
Memorial Day
Juneteenth
Independence Day
Labor Day
Veterans Day
Thanksgiving Day
Christmas Day

Please do not send cash. We are unable to accept Cash for your payments and ask that in all cases you refrain from sending Cash. If you need to use Cash to make your monthly mortgage payment please visit your local money gram location. Please refer to the MoneyGram section.

Please be aware we are unable to hold any post-dated checks. Any post-dated checks will be processed based on the effective date they are received.

Go to MoneyGram locations to find a location near you. To submit your payment with MoneyGram, utilize: Receiver Code #15543-Servicing Division, provide your loan number and use location: Meriden, CT

Please do not send cash. We are unable to accept Cash for your payments and ask that in all cases you refrain from sending Cash. If you need to use Cash to make your monthly mortgage payment, please visit your local money gram location. A fee may apply.

If funds are sent without specifying how additional funds should be applied, funds will be processed based on the following payment hierarchy: Any outstanding payments due to bring your loan current, one additional prepaid monthly payment, outstanding late fees (except in NY), outstanding bank return fees, other outstanding fees, escrow advances, corporate advances, principal reduction. (Need to review to ensure that this is correct)

*Please note, based on your loan status a different payment hierarchy may apply.