How to Pay Your Arvest Mortgage and Manage Your Account
Where and how to send your Arvest mortgage payment
Arvest Bank accepts mortgage payments through several channels. The most common method is online bill pay through your Arvest checking or savings account—you log in, set up a payee for your mortgage account, and schedule payments to arrive by your due date. You can also pay by phone by calling Arvest's mortgage services line, though you may be charged a fee for phone payments depending on your account type.
If you prefer to mail a check, send it to the address printed on your mortgage statement. Always include your loan number on the check and allow 7 to 10 business days for the payment to reach Arvest and post to your account. Some Arvest branches accept in-person payments at the teller window during business hours, though this is less common for mortgage accounts than for other banking services.
Automatic payments (also called autopay) can be set up through your Arvest online banking portal. You authorize Arvest to withdraw your payment from your checking account on a date you choose each month—usually your due date or a few days before. Autopay removes the risk of forgetting a payment, though you should monitor your account to make sure the withdrawal goes through.
Key Takeaways
- Arvest mortgage payments can be made online through your account, by phone, by mail, in person at a branch, or through automatic withdrawal from your checking account.
- Online bill pay and autopay are free; phone payments may carry a fee that varies by account type.
- Mailed checks take 7 to 10 business days to post, so send them well before your due date to avoid a late payment.
- Your mortgage statement shows your loan number, due date, and the mailing address—use all three when paying by mail or phone.
Setting up autopay and changing your payment method
To set up autopay, log into your Arvest online banking account, find the mortgage or loan section, and look for an option to schedule recurring payments or set up automatic transfers. You will need to authorize Arvest to debit your checking account on a specific day each month. Most borrowers choose their due date or a day or two before to ensure the payment clears on time.
If you want to change your payment method—for example, from mailing checks to online pay—you can do this through your online account or by calling Arvest mortgage services. There is no penalty for switching methods. If you set up autopay and later want to cancel it, you can do that through your online account as well, though you will then need to make manual payments to avoid missing a due date.
What happens if your Arvest payment is late
A payment is considered late if it does not post to your account by the due date shown on your statement. Arvest typically allows a grace period of 10 to 15 days after the due date before reporting the late payment to credit bureaus, but you may be charged a late fee as soon as the payment is one day overdue. The amount of the late fee is set by your loan agreement and is usually a percentage of your monthly payment or a flat dollar amount.
If your payment is more than 30 days late, Arvest will report it to the three major credit bureaus (Equifax, Experian, and TransUnion), which will damage your credit score. A late mortgage payment can stay on your credit report for up to seven years. If you know you will miss a payment, contact Arvest before the due date to discuss options such as a payment plan, forbearance, or loan modification.
Understanding your Arvest mortgage statement and account details
Your Arvest mortgage statement arrives monthly (or you can view it online) and shows several key pieces of information: your loan number, the due date, the amount due, how much of your payment goes to principal versus interest, your current loan balance, and the address where to send payments. The statement also shows any escrow account activity if Arvest collects property taxes or homeowners insurance on your behalf.
You can access your account details anytime through Arvest's online banking portal or mobile app. This is where you can see your payment history, confirm that payments have posted, check your remaining balance, and review the terms of your loan. If you have questions about a charge or a payment that did not post as expected, your statement or online account is the first place to look for details.
Paying off your Arvest mortgage early or making extra payments
You can pay off your Arvest mortgage early or make extra payments toward principal without penalty (unless your loan agreement includes a prepayment penalty, which is rare but possible on some older loans). Making extra payments reduces the total interest you pay over the life of the loan and shortens the time to payoff.
To make an extra payment, use the same method you normally use—online bill pay, autopay, phone, or mail—and specify in a note or memo that the extra amount should go toward principal. Some borrowers make one extra payment per year; others add a small amount to their regular monthly payment. Contact Arvest if you are unsure how to direct an extra payment or if you want to confirm that your loan has no prepayment penalty.
Contacting Arvest about mortgage payment issues
If you have questions about your payment, need to report a problem, or want to discuss payment options, Arvest's mortgage services department can be reached by phone. The number is usually on your statement. You can also visit an Arvest branch in person or use the contact form on Arvest's website to request a callback.
If you are struggling to make your payment, contact Arvest as soon as possible—do not wait until you are late. Arvest may be able to offer forbearance (a temporary pause or reduction in payments), a loan modification (a change to your loan terms), or a payment plan that spreads missed payments over time. These options are only available if you reach out before you fall significantly behind.
Frequently Asked Questions
Can I pay my Arvest mortgage with a credit card?
Arvest does not directly accept credit card payments for mortgages. However, you can use a third-party payment processor or cash advance service to pay with a credit card, though these services charge a fee. For most borrowers, paying from a checking account (online, by check, or by phone) is the most cost-effective method.
What time of day do online payments post to my Arvest mortgage account?
Online payments typically post within one business day, though the exact timing depends on when you submit the payment and Arvest's processing schedule. To be safe, submit online payments at least two business days before your due date. If you are cutting it close, call Arvest to confirm the payment has been received.
If I set up autopay, will my payment always be the same amount?
Your autopay amount will be the principal and interest portion of your payment. If your loan includes an escrow account for taxes and insurance, the total payment may change once or twice a year when those amounts are adjusted. Arvest will notify you of any change and update your autopay amount accordingly.
What should I do if a payment I mailed never posted to my account?
Contact Arvest with the date you mailed the check and the amount. Arvest can search for the payment and confirm whether it was received and posted. If the check was lost in the mail, Arvest may ask you to stop payment on the original check and submit a new payment. Keep a record of when you mailed payments and the check number for your records.
Can I change my mortgage payment due date with Arvest?
Some lenders allow borrowers to change their due date, but policies vary. Contact Arvest mortgage services to ask whether your loan allows a due date change and what the process is. If a change is possible, it may take one or two billing cycles to take effect.