How to Pay Your Movement Mortgage and What Happens When You Don't
How to make a payment to Movement Mortgage
Movement Mortgage accepts payments through their online portal, by phone, by mail, or through automatic bank transfers. The fastest way is logging into your Movement account at movementmortgage.com and paying directly from there — the payment posts the same business day if submitted before 5 p.m. Eastern time. You can also call their payment line at 1-866-581-7325 to pay by phone with a debit or credit card, though this method may charge a fee.
If you prefer automatic payments, you can set up an ACH transfer (a bank-to-bank electronic pull) through your Movement account. This removes the step of remembering to pay each month and typically posts within one to two business days. You can also mail a check to the address on your statement, but mail takes five to seven business days to arrive and clear, so you need to send it well before your due date to avoid a late fee.
Before you make any payment, confirm the exact amount owed on your statement or in your online account. Your payment should include principal, interest, property taxes, homeowners insurance, and mortgage insurance (if applicable) — Movement bundles these into one monthly payment. If you are paying extra toward principal, note that in the memo line or call to confirm the payment will be applied correctly.
Key Takeaways
- Movement Mortgage payments can be made online, by phone, by mail, or through automatic ACH transfers, with online and automatic methods posting fastest.
- Your monthly payment includes principal, interest, taxes, insurance, and mortgage insurance, all bundled together on one bill.
- A payment is late if it arrives after the due date shown on your statement, and late fees begin accruing immediately.
- If you miss a payment, contact Movement within 30 days to discuss options like forbearance or loan modification before the miss is reported to credit bureaus.
- Foreclosure typically begins after 120 days of missed payments, but the timeline varies by state and your loan terms.
When a payment is considered late and what the penalty is
A payment to Movement Mortgage is late if it arrives after the due date printed on your statement. Most mortgages have a grace period of 10 to 15 days — this means you can pay a few days late without a penalty, but the grace period is not an extension of your due date. Once the grace period ends, Movement charges a late fee, which is typically 4 to 5 percent of your monthly payment amount, though your specific loan documents will state the exact percentage.
Late fees are separate from your regular payment — you owe both the overdue payment and the fee. If your payment is 30 days late, Movement will report the miss to the three credit bureaus (Equifax, Experian, and TransUnion), and this report stays on your credit report for seven years. A single 30-day late payment can drop your credit score by 100 points or more, depending on your current score and credit history.
The longer you remain behind, the more fees accumulate. After 90 days of missed payments, your loan may be referred to a collections department or attorney. After 120 days, Movement can begin the foreclosure process in most states, though some states require additional notice or waiting periods. The exact timeline depends on your state's foreclosure laws and the terms of your promissory note.
What to do if you cannot make a payment on time
Contact Movement Mortgage as soon as you know you will miss a payment — do not wait until after the due date. Call 1-866-581-7325 or log into your account and look for a "contact us" option. Explain your situation: a temporary job loss, medical emergency, unexpected expense, or income reduction. Movement cannot waive a late fee after it is charged, but speaking with them before the miss happens gives you options.
The most common option is a forbearance agreement, which temporarily reduces or pauses your monthly payment for a set period (usually three to six months). During forbearance, you are not making full payments, but you are also not falling behind — the missed amount is added to the end of your loan or rolled into a modified payment plan. Forbearance does not erase the debt; it delays it. You will eventually owe the full amount, either as a lump sum at the end of forbearance or spread across a longer loan term.
If forbearance is not enough, Movement may offer a loan modification, which changes the terms of your mortgage — extending the loan term, lowering the interest rate, or adding missed payments to the principal balance. A modification is permanent, unlike forbearance, but it also means you will pay more interest over the life of the loan. Ask Movement for a written proposal before you commit to either option.
How late payments affect your credit and your loan
A late payment reported to credit bureaus damages your credit score immediately and for years afterward. The damage is worst in the first six months after the miss; after two years, the impact begins to fade, but the record remains visible to lenders for seven years. A 30-day late payment is less damaging than a 60-day or 90-day miss, but both hurt significantly.
Beyond credit score damage, late payments give Movement the legal right to accelerate your loan, meaning they can demand the entire remaining balance immediately instead of waiting for monthly payments. They can also charge you a higher interest rate if your loan terms allow it, and they will report the miss to your homeowners insurance company, which may drop you or raise your premium. If you are behind on property taxes or homeowners insurance (which Movement may pay on your behalf if you are in escrow), those misses are reported separately and have their own consequences.
Late payments also affect your ability to refinance or take out other loans. Most lenders will not refinance a mortgage with a recent late payment, and if they do, you will pay a higher interest rate. Credit card companies, auto lenders, and personal loan providers all see late mortgage payments as a red flag that you are struggling to manage debt.
Automatic payments and how to set them up
Setting up an automatic payment through Movement removes the risk of forgetting to pay and ensures your payment posts on time every month. Log into your Movement account, navigate to the payments section, and select "set up automatic payment" or "enroll in autopay." You will need your bank account number and routing number (found on the bottom left of your checks or in your bank's online portal). Choose the payment amount (usually your full monthly payment) and the date you want it to withdraw each month.
Most borrowers choose the due date or a few days before it to ensure the payment clears on time. If you choose a date before the due date, the payment will post earlier, which can slightly reduce the interest accruing that month. You can change or cancel automatic payments at any time through your account, but do not cancel without setting up a replacement payment method — missing a payment because you cancelled autopay and forgot to pay manually will still result in a late fee and credit damage.
Automatic payments do not prevent you from making extra payments toward principal. You can make a one-time payment in addition to your automatic payment, and most servicers will apply the extra amount to principal if you specify it. This is a common way to pay down your mortgage faster and reduce the total interest you pay over the life of the loan.
What happens if you stop paying your mortgage
If you stop making payments and do not contact Movement to arrange forbearance or modification, the process toward foreclosure begins. After 30 days, you receive a notice of delinquency. After 60 days, Movement may send a formal demand letter. After 90 days, your loan is typically referred to a collections department or attorney. After 120 days (four months), Movement can file a foreclosure notice with your county court, depending on your state's laws.
Foreclosure is a legal process in which the lender takes back the house and sells it to recover the money you owe. The timeline varies by state: some states allow judicial foreclosure (the lender must go to court), which takes six months to a year or longer. Other states allow non-judicial foreclosure (the lender can sell the house without court involvement), which can happen in as little as three to four months. You will receive notices at each stage, but ignoring them does not stop the process.
Once foreclosure begins, you have limited options. In some states, you have a right of redemption, which allows you to reclaim the house by paying the full debt plus foreclosure costs, even after the sale. This right expires at different times depending on your state — sometimes immediately after the sale, sometimes months later. Your best protection is to contact Movement before you reach 120 days of missed payments, because forbearance, modification, or even a short sale (selling the house for less than you owe, with the lender's permission) are all better outcomes than foreclosure.
Frequently Asked Questions
Can I pay my Movement Mortgage with a credit card?
Movement does not accept credit card payments directly through their portal, but you can pay by phone with a credit card by calling 1-866-581-7325. Be aware that paying a mortgage with a credit card typically triggers a cash advance fee from your credit card company, which can be 3 to 5 percent of the payment amount. This fee makes credit card payments more expensive than paying from a bank account.
What if I pay extra toward principal?
You can make extra payments toward principal at any time without penalty. Log into your Movement account and make an additional payment, or call and specify that the extra amount should go to principal, not to next month's payment. Extra principal payments reduce the total interest you pay and shorten your loan term, but they do not reduce your required monthly payment unless you modify your loan.
How long does it take for an online payment to post?
Payments made through Movement's online portal before 5 p.m. Eastern time typically post the same business day. Payments made after 5 p.m. or on weekends post the next business day. ACH transfers from your bank account take one to two business days. Mail payments take five to seven business days, so send checks at least 10 days before your due date to avoid a late fee.
Can I change my payment due date?
You can request a due date change by contacting Movement at 1-866-581-7325 or through your online account. The new due date typically takes effect in the following billing cycle. Changing your due date does not change the amount you owe or the interest rate; it only shifts when the payment is due each month.
What is the difference between forbearance and a loan modification?
Forbearance is temporary — it pauses or reduces payments for three to six months, and the missed amount is added to your loan later. A modification is permanent — it changes the loan terms (interest rate, term length, or payment amount) and becomes part of your mortgage going forward. Forbearance is faster to set up; modification requires more paperwork and review but offers a lasting solution if you cannot afford your current payment.