You can pay a THDA Volunteer Mortgage Loan Servicing (VMLS) loan online, by phone (agent or IVR), by mail, by MoneyGram, or with free monthly AutoPay.
Volunteer Mortgage Loan Servicing website
https://thda.org/volservicing/make-a-payment/
Online payments & portal (includes guest‑style “Pay Now”)
VMLS uses the VMLS online payment system powered by YourMortgageOnline.
- From thda.org/volservicing/make-a-payment, click through to the online payment system.
- You can register and log in to:
- View your loan balance, due date, escrow and 1098 forms
- Make one‑time or recurring payments
- Set up AutoPay so payments draft automatically each month
- The site also lets you set up an online wallet to securely save bank info.
The system supports a “Pay Now” option without needing to log in or register, where you verify your loan number and borrower details and make a one‑time payment, functioning like guest pay.
Pay by phone (agent or IVR)
VMLS offers two phone payment options.
- Agent‑assisted pay‑by‑phone
- IVR (Interactive Voice Response) phone payment
For general customer service and payment help:
Mail‑in payments
Mailing a check is a no‑fee option.
Include your loan number and allow time for postal delivery so it arrives before the grace period ends.
MoneyGram & in‑person style payments
You can pay your VMLS mortgage via MoneyGram.
- Use Receive Code: 15907 for Volunteer Mortgage Loan Servicing.
- Fee: typically $3.95 per MoneyGram payment.
This lets you pay at many retail locations (grocery, convenience, etc.) that offer MoneyGram, functioning like a pay‑in‑store option.
Automatic Payment (ACH / AutoPay)
VMLS strongly promotes Monthly AutoPay.
- Set up Automatic Payment (ACH) so your monthly mortgage payment is drafted automatically from your designated bank account.
- Fee: no charge for AutoPay.
- You can enroll and manage AutoPay directly through the VMLS online payment system.
Due dates, late fees, and posting times
- Payments are due on the 1st day of each month.
- If payment is not received within 15 days of the due date, a late charge may apply.
- Online payments made before 2 p.m. CST are applied the same business day.
Paying early or using AutoPay helps you avoid late fees and protect your credit.
Contact & escalation
- VMLS Customer Service: 844‑865‑7378 (general help and payoff questions).
- Escalation contacts (for serious issues):
- Assistant Director, Trebia Johns – (615) 649‑3424, [email protected]
- Senior Advisor, Heather Johnson – (615) 649‑3420, [email protected]
For payoff details, see THDA’s payoff instructions page or call customer service first.
FAQs about THDA Volunteer Mortgage Loan payments
How do I pay my Volunteer Mortgage loan online?
Use the VMLS online payment system via thda.org/volservicing/make-a-payment, then register or log in (or use “Pay Now”) to make a one‑time or recurring payment from your bank account.
Does Volunteer Mortgage offer guest pay without creating an account?
Yes. The VMLS site lets you use a “Pay Now” option without logging in, where you verify your loan and make a one‑time payment, similar to guest pay.
What phone fees apply if I pay my THDA loan by phone?
Agent‑assisted pay‑by‑phone has a $5.95 fee, while the IVR automated phone payment has a $3.95 fee per payment.
Are there any free ways to pay my Volunteer Mortgage loan?
Yes. Online payments at volservicing.com and Automatic Payment (ACH/AutoPay) are free options, and mailing a check to the PO Box also has no VMLS fee.
When is my Volunteer Mortgage payment considered late?
Your payment is due on the 1st and becomes subject to a late charge if not received within 15 days; online payments made before 2 p.m. CST post the same business day.