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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

HomeLoanServ's pay off


Repayment of loan

Paying your mortgage loan online using the Borrower Connection from HomeLoanServ is a safe and convenient method to keep track of your monthly payments. You will receive an email from HomeLoanServ with the date the automated payment will begin once the documentation has been processed. Until the start date mentioned in this letter, you must continue to make payments from the different payment options available.

Payment can be scheduled ahead of time. You can choose a date when you want the payment to be made. Remember that you must make your payment before the 16th of each month to avoid a late fee. You’ll also be automatically placed into a draw to win a $100 gift card if you pay online HomeLoanServ and on time.

Please, note that making extra payments on your HomeLoanServ loan lowers the amount of interest you pay. The next payment is computed based on the lower principal balance when you pay more principal on your loan. As a result, your monthly payment remains the same, but you pay less interest and more principal. There is a link to make a principal payment if you pay online. If you pay by mail, you can use a check for an additional amount, and note that it is for your principal on the payment coupon. You can automatically raise the amount if you pay by an automated bank draft.

Supported types of payment

Through HomeLoanServ’s Borrower Connection platform, applicants can make their monthly mortgage payments. They can also opt for automatic bank draft, mail, or delivery. Please, remember that HomeLoanServ does not accept credit cards for a monthly mortgage payment. You can, however, pay by debit card over the phone or online. Payments via debit card will attract convenience fees of 4.95$. Borrowers can also pay via a customer service representative; using this method will attract extra convenience fee of 10$.

Steps to repay

Your payment has two parts. The first part is the principal and interest, which repays your mortgage. The second part of your payout is the escrow payment. This amount covers property taxes, homeowners insurance, and mortgage insurance, and it varies each year based on changes in your tax or insurance premiums. Contact the county for additional tax information. Connect with your insurance agent for information about your insurance premium.

HomeLoanServ borrower connection

  • Visit the website, input your username and password, and click on Login to make a payment using your HomeLoanServ borrower connection account.

  • You will receive an additional six-digit code to input each time you log in, which can be provided via email, text, or phone (whatever option you choose). Enter the code and click on Submit after receiving it.

  • Make a payment by clicking on the button and following the on-screen instructions.

Automated bank draft

  • Please fill out the appropriate authorization form in your welcome home bundle and mail it to HomeLoanServ, PO Box 7899, Boise, ID 83707-1899 or

  • Fill it online through your HomeLoanServ borrower connection. Follow the directions for completion to set up your automated bank draft payment. You will receive a mail with the date the automated payment will begin once your documentation has been processed.


You can also make your HomeLoanServ payment over the phone with the help of a customer service agent; however, there is a $10 cost for this service. You can also pay by phone by calling 800.526.7145, an automated phone system. If you choose this payment method, make sure you choose the free automated phone system option to avoid the $10 fee for employing a customer support representative’s help.


You can deposit your check or money order with your payment coupon at the HomeLoanServ drop box located outside their main building entrance at 565 W. Myrtle St, Boise, Idaho. Please do not drop off cash as HomeLoanSer does not accept cash payments.


You can also make your payment by check and mail it to HomeLoanServ, PO Box 7541 Boise, ID 83707

Conditions of loan extension

HomeLoanServ mortgage loans do not provide loan extensions. Please, contact them immediately if you experience trouble making your payments. Other possibilities may be available with them. For example, HomeLoanServ can help homeowners who have experienced financial hardship due to the COVID-19 outbreak.

Please, call 800-526-7145 to talk with a member of the HomeLoanServ customer service team if you need to register for or check in with a forbearance plan.

Early payoff

Only written payoff quotes are provided. If you need to request a payback amount, send an email to Because payoff amounts fluctuate daily, please, mention your HomeLoanServ loan number and the date you want the payment amount calculated.


How do you make a payment on HomeLoanServ?

You can make a one-time payment or set up recurring payments with HomeLoanServ online. You can pay by phone at 800-526-7145 for monthly payments only, with no late fees or principal. You can call the same number to speak with a live person, but HomeLoanServ will charge you $10 for the service. Mail your check and payment voucher to HomeLoanServ P.O. Box 7541 Boise, ID 83707.

What happens if you don’t pay back?

The first of the month is when your payment is due. Late fees are applied to the loan if payment is received after the 16th of the month. When calculating late payments, postmarks are ignored. If the 16th falls on a weekend or holiday, you must make your payment the next working day. Please, contact HomeLoanServ customer support service if you know that your payment will be late. A counsellor from their free counselling service will assist you in developing a strategy to get back on track.

Can you pay HomeLoanServ early?

Yes, you can make early payments. Details of the early payoff are best discussed with HomeLoanServ staff directly.

Can HomeLoanServ sue you?

When a customer fails to pay a debt, HomeLoanServ can choose to follow legal processes.

Financial products

Home loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
up to $135,000

Effective interest rate on the product

up to 5.25%

Calculate loan payments in HomeLoanServ

HomeLoanServ calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

50000 $
135000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with HomeLoanServ

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between HomeLoanServ and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All HomeLoanServ’s reviews by October 2022
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