Vanderbilt Mortgage and Finance, Inc. (VMF) provides financing for manufactured, modular, and mobile homes across the United States. Keeping your mortgage payments current helps avoid late fees, protects your credit, and prevents potential foreclosure proceedings. VMF offers several secure payment methods, including online account access through the Express Customer Portal, 24/7 automated phone payments, traditional mail with state-specific addresses, and cash options through MoneyGram and Western Union at thousands of retail locations.
- For complete details on every current payment method and instructions, visit the official VMF Payment Options page at https://www.vmf.com/resources/payment-options/.
- To create an online account or manage payments through the Express Customer Portal, go directly to https://www.vmf.com/portal/login.
Pay Online Through the Express Customer Portal
The primary digital method is through VMF’s secure Express Customer Portal. After creating an account, you can view statements, make one-time or scheduled payments, enroll in automatic payments, update banking information, and review payment history.
How to get started:
- Visit https://www.vmf.com/portal/login
- Select “Create Account” if you are a new user
- Enter your loan number, Social Security Number, and date of birth to register
- Set up a User ID and password for future access
Once registered, you can schedule payments up to 14 days in advance (subject to restrictions if more than two payments are past due). Online payments are free. Note that online and automated payment services may be temporarily unavailable if your loan is past due, in bankruptcy, or after a returned payment. In these cases, call customer service to discuss options.
The portal is available 24/7 on desktop and mobile devices.
Pay Vanderbilt Mortgage Bill by Phone (24/7 Automated)
VMF provides a free automated phone payment system that operates around the clock.
Phone number: 1-800-970-7250
For automated payments (24/7):
- Have your loan number, checking account/routing numbers (or checkbook), and the primary borrower’s ZIP code ready.
- Follow the voice prompts to complete your payment.
For assisted phone payments (live representatives):
- Call the same number during business hours: Monday–Thursday 8:30 a.m.–8:00 p.m. ET and Friday 8:30 a.m.–5:30 p.m. ET.
- Provide your loan number and bank details for same-day posting when possible.
This option is convenient when you need to pay quickly without internet access or prefer speaking with someone for assistance.
Pay by Mail
Mail your check or money order (payable to Vanderbilt Mortgage and Finance, Inc.) along with the payment coupon. Always write your loan number clearly on the check.
- For most U.S. customers: Use the state-specific remittance address listed on your monthly billing statement or select your state using the address selector tool on the official Payment Options page at https://www.vmf.com/resources/payment-options/.
- For military addresses (Armed Forces Africa, Canada, Europe, Middle East, or Pacific): Vanderbilt Mortgage and Finance, Inc. PO Box 660180 Dallas, TX 75266-0180
Printable blank payment coupons are available on the Payment Options page. Allow 7–10 business days for delivery and processing. A returned check fee of up to $35 (where legally permitted) may apply.
Do not mail payments to the physical office address.
Pay In Person with Cash – MoneyGram and Western Union
VMF accepts cash payments through major money transfer services at thousands of retail locations (including many Walmart and CVS stores).
MoneyGram ExpressPayment:
- Use Receive Code 2665
- Fee: $8.95 (paid to MoneyGram)
- Payments typically post the same or next business day
Western Union Quick Collect:
- Use City code SMOKE, TN
- Fee: $12.95 (paid to Western Union)
Locate participating agents through the respective company websites or apps. Bring a copy of your bill or your loan number. These options provide extended hours and true in-person cash convenience beyond traditional business times. No widespread retail partnerships (such as grocery store bill pay counters) beyond these services are currently promoted.
Automatic Payments (Auto Draft)
Enroll in free Payment Auto Draft through the online portal or by calling 1-800-970-7250. Your payment will be automatically drafted from your checking or savings account on the due date. This eliminates the need to remember due dates and helps prevent late fees. You can manage or cancel autopay anytime through the portal or by phone. The same restrictions apply as with other automated methods if your account is significantly past due.
Important Billing Notes
Your monthly payment amount and due date are shown on your loan documents and statements. Payments are due on the date specified in your agreement. Contact VMF promptly if you anticipate difficulty making a payment—options such as payment arrangements may be available depending on your situation. Keep your loan number readily available for all inquiries and transactions.
Customer Service and Contact Information
Existing Customers & Payment Questions: 1-800-970-7250 New Customers: 1-866-701-0467 Fax: 1-865-380-3418 Email: [email protected] (include your loan number)
Business Hours (ET): Monday–Thursday: 8:30 a.m. – 8:00 p.m. Friday: 8:30 a.m. – 5:30 p.m.
Mailing Address for Correspondence (non-payments): Attn: Customer Service Vanderbilt Mortgage and Finance, Inc. PO Box 9800 Maryville, TN 37802
Overnight Mail / Physical Office: 500 Alcoa Trail Maryville, TN 37804 (Do not mail payments to this address)
Additional offices are located in Columbia, MO; Gilbert, AZ; and Greensboro, NC (appointments recommended).
FAQs
How do I pay my Vanderbilt Mortgage bill online? Create or log into your account at the Express Customer Portal: https://www.vmf.com/portal/login. Use your loan number, SSN, and date of birth to register.
What phone number do I use to pay my Vanderbilt Mortgage bill? Call 1-800-970-7250. The automated system is available 24/7; live assistance is available during business hours.
Where do I mail my Vanderbilt Mortgage payment? Use the remittance address on your monthly statement or the state selector on https://www.vmf.com/resources/payment-options/. For military addresses, send to PO Box 660180, Dallas, TX 75266-0180.
Can I pay my Vanderbilt Mortgage bill with cash in person? Yes, at participating MoneyGram (code 2665) or Western Union Quick Collect (city code SMOKE, TN) locations. Fees apply through the service provider.
How do I set up automatic payments? Enroll through the online portal at https://www.vmf.com/portal/login or call 1-800-970-7250. It is free and helps prevent missed payments.
Is there a fee for online or phone payments? Official VMF online and automated phone payments are free. MoneyGram and Western Union charge their own service fees.
What should I do if I am past due on my loan? Call 1-800-970-7250 immediately to discuss your options. Some automated services may be restricted until the account is brought current.
How do I get a payoff quote? Log into the portal, call 1-800-970-7250, or submit a written request to customer service.
