Payment Options

At 21st Mortgage, there are several methods to assist in making your loan payment.
A conforming payment is a periodic payment sufficient to cover principal, interest, and escrow, where applicable, for a given billing cycle. The payment must be made in US currency and accompanied by an account number or the provided payment coupon. Conforming payments shall be applied to the account the day the payment was received.
Customers may make conforming loan payments that will be applied to the account the same day the payment was received by the following methods:


Automatic Draft

The easiest and recommended method of payment is automatic draft. We obtain your written authorization and withdraw the payment amount automatically from your checking account when the payment is due.
To enroll in automatic draft:
1) Contact the Customer Service Department, or call 1(800)955-0021 ext. 2900 to initiate the process.
2) Fax this completed form to 1(877)830-3100.

On-line Bill Pay Through Bank Account

Payments may be made through the customer’s bank account via online transfer.
Payments must be completed by the customer by 2:30 p.m. EST Monday – Friday, except Federal Public Holidays.

On-line Payment

Payments may be made at our online payment site using a checking or savings account.
Payments must be completed online by 9:30 p.m. EST Monday - Friday, except Federal Public Holidays.

Payment by Phone

Phone Payment
-Payments by phone may be made using a checking or savings account number. Payments must be made by speaking with a financial counselor and completing a Check-by-Phone using the customer’s checking or savings account.
-Payment must be completed by 10:00 p.m. EST Monday - Friday, except Federal Public Holidays.
-To make a payment by phone, please call 1(800)955-0021 and speak with any financial counselor.

What you need:
1. Your Loan Number
2. Bank Routing Number
3. Checking Account Number


Automated Phone System Payment
You also have the option of using the automated phone system at 1(866)380-0373.

-Payments made using the automated phone system must be made prior to 6:00 p.m. EST Monday - Friday, excluding Federal Public Holidays. Payments made using the automated phone system may be subject to a $2.00 fee in certain areas.

What you need:
1. Your Loan Number (Do not enter the zeros preceding your account number)
2. Last four digits of your social security number

Wire

Payments may be wired through Western Union Quick Collect or MoneyGram Express Payment.
Payments made by wire must be received by 3:30 p.m. EST Monday - Friday, except Federal Public Holidays.

Western Union
What you need:
1. Your Loan Number
2. Code: City, State: Ethan, TN
Need to find a Western Union Dealer near you? Visit WesternUnion.com


MoneyGram Express Payment
What you need:
1. Receive code: 2579
2. Your Loan Number
3. Payable to: 21st Mortgage
Need to find a MoneyGram agent near you? Visit moneygram.com

Direct Mail

Checks or money orders may be mailed to the payment processing center.
21st Mortgage Payment Processing Center
P.O. Box 148
Memphis, TN 38101

Mailed payments must be received by 5:00 p.m. EST Monday - Friday, except Federal Public Holidays.
Payments made or received outside of the stated requirements are non-conforming payments. All accepted non-conforming payments will be applied the next business day, or as otherwise permitted by law.