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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.

Shellpoint's account


How to register an account

You can only register an account if your lender has Shellpoint as a mortgage loan servicing company. To register an account with Shellpoint, on the main page, click Register. Enter your username and email address and click Create an Account. Shellpoint will ask you to fill in your personal information and loan number. You cannot use your email as a username as Shellpoint doesn't allow special characters in the username field.

How to reset a password

Shellpoint locks your account if you sign in three times with the wrong username or password. Therefore, it is better to reset a password if you've forgotten it. To do this, choose Forgot your username or Forgot your password when signing in. You will be obliged to provide your email address and receive the instructions from Shellpoint there.

Personal account features

With a Shellpoint personal account, you can:

  • Access your mortgage documents, such as escrow statements, Form 1098 and 1099;

  • View your billing statement;

  • Update your personal information;

  • Make payments on your mortgage;

  • Check the payment history and make adjustments to the payments schedule.


How do I set up an account with Shellpoint?

You will need to register the account through the main page of Shellpoin's website. Click Create account and enter your username and email. Click Create Account and follow the provided instructions. 

How can I view my Shellpoint billing statements?

To view your Shellpoint billing statements, sign in to your account and click on the loan number to redirect to the dashboard. Click Statements and Monthly. You will be able to view and download the statements by month. 

Can I use my Shellpoint account history online?

Yes. To see your account history with Shellpoint, sign in to your account and click on the loan number. After that, tap Payments and Payment History to see all transactions.

What to focus on before applying for a loan with Shellpoint

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 Shellpoint 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 Shellpoint’s reviews by October 2022
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