How to Sign In and Make Payments Through Amerisave's YourMortgageOnline Portal
How to access your Amerisave mortgage account online
Amerisave's YourMortgageOnline portal is where you log in to view your loan details, make payments, and download documents related to your mortgage. To sign in, go to yourmortgageonline.com, enter your username and password, and click Log In. If you do not have an account yet, you will need to create one before you can access your mortgage information or make a payment.
The portal works whether Amerisave is your original lender or whether your loan was sold to another servicer after closing. If your loan was sold, you may need to set up a new account with the current servicer rather than use Amerisave's portal. Contact Amerisave directly at the number on your loan documents to confirm who currently services your mortgage.
Key Takeaways
- YourMortgageOnline is Amerisave's online portal where you sign in with a username and password to access your mortgage account and make payments.
- If you forget your password, use the "Forgot Password" link on the login page to reset it; you will receive instructions by email.
- You can make a one-time payment or set up automatic recurring payments through the portal, and payments typically post within one to three business days.
- If you cannot sign in or your account does not appear, your loan may have been sold to another servicer, and you should contact Amerisave to confirm who currently handles your mortgage.
Creating a new YourMortgageOnline account
If you have never logged into the portal before, you will need to register. On the yourmortgageonline.com homepage, look for a "Register" or "Create Account" button. You will be asked to provide your loan number, Social Security number, and the property address associated with your mortgage. Amerisave uses this information to verify that you are the borrower on the loan.
After you submit your information, Amerisave will send you a confirmation email with a link to complete your registration. Click that link and create a username and password. Your username can be anything you choose; your password should be something you can remember but others cannot guess. Once you finish registration, you can log in immediately and begin using the portal.
Resetting a forgotten password
If you remember your username but not your password, go to yourmortgageonline.com and click the "Forgot Password" link below the login fields. Enter your username, and Amerisave will send you an email with instructions to reset your password. Open that email and follow the link provided. You will be asked to create a new password, which takes effect immediately.
If you do not receive the reset email within a few minutes, check your spam or junk folder—sometimes password reset emails are filtered there by mistake. If you still cannot find it or if you do not remember your username either, contact Amerisave's customer service line. The phone number is on your monthly mortgage statement or loan documents.
Making a one-time payment through the portal
Once you are logged into YourMortgageOnline, look for a "Make a Payment" or "Pay Now" button or link. Click it, and you will be shown your current loan balance and the amount of your regular monthly payment. You can choose to pay the full monthly payment, a partial amount, or a larger sum if you want to pay down principal faster.
Select your payment method—most borrowers use a bank account (ACH transfer) or a debit card. If you use a debit card, Amerisave may charge a processing fee; ACH transfers are usually free. Enter the payment amount, confirm the date you want the payment to be processed, and review the details before submitting. The payment will post to your account within one to three business days, depending on the method you chose.
Setting up automatic monthly payments
If you want your mortgage payment to be withdrawn automatically each month, look for an "Autopay" or "Automatic Payment" option in the portal. You will need to provide your bank account number and routing number (for ACH) or your debit card information. Choose the day of the month you want the payment to be taken—many borrowers pick the same day their paycheck arrives.
Once autopay is set up, the payment will be withdrawn on that date every month without you having to log in or take any action. You can still log into the portal anytime to see your balance, confirm the payment was processed, or make an extra payment if you want to pay down your loan faster. If you need to change the payment date or amount, or cancel autopay, you can do that through the portal or by calling Amerisave's customer service.
What to do if you cannot log in or see your account
If you enter your correct username and password but the portal says they are wrong, try resetting your password using the "Forgot Password" link. If that does not work, clear your browser's cache and cookies, then try again in a different web browser. Sometimes cached data can prevent the login page from working correctly.
If you still cannot access your account, or if you log in and do not see your loan information, your mortgage may have been sold to a different servicer. Amerisave originates loans but does not always service them long-term; many loans are sold to other companies after closing. Call the number on your most recent mortgage statement to find out who currently services your loan, then contact that servicer to set up an account with them instead.
Payment timing and how it affects your due date
Payments made through YourMortgageOnline typically post within one to three business days. This means if you make a payment on a Friday, it may not show up in your account until Monday or Tuesday. If your payment is due on a specific date, submit it several days early to make sure it arrives on time. A payment that arrives after your due date can trigger a late fee, even if you submitted it before the deadline.
Your loan documents specify your payment due date each month. If you set up autopay, the payment will be withdrawn on the date you chose, but it may take a few days to post. If you are cutting it close to your due date, use autopay or make a payment at least three to five business days before the deadline to avoid a late payment being reported to your credit report.
Frequently Asked Questions
Is YourMortgageOnline secure, and is my information safe?
YourMortgageOnline uses encryption and password protection to secure your account. Do not share your username or password with anyone, and always log in through the official yourmortgageonline.com website, not through a link in an email. Scammers sometimes send fake emails that look like they are from Amerisave; if you receive an email asking you to verify your account or click a link, go directly to the website instead of clicking the email link.
Can I make a payment if my loan was sold to another servicer?
No. If your loan was sold, you must set up an account with the new servicer and make payments through their portal or by mail. You can find out who services your loan by calling the number on your most recent statement or by checking your loan documents. Do not send payments to Amerisave if another company now services your mortgage.
What happens if I pay more than my monthly payment?
The extra amount will be applied to your principal balance, which reduces the total interest you pay over the life of the loan and can shorten your loan term. Some loans have prepayment penalties, though these are rare on mortgages. Check your loan documents to see if a prepayment penalty applies to you before making extra payments.
Can I change my payment due date through the portal?
Your payment due date is set by your loan agreement and cannot be changed through the portal. However, if you set up autopay, you can choose the day of the month the payment is withdrawn, which gives you some flexibility in timing. If you need to change your official due date, contact Amerisave's customer service to discuss your options.
What should I do if a payment does not post after three business days?
Log into the portal and check your account history to see if the payment appears there. If it does not, contact Amerisave's customer service with the payment date and amount you submitted. They can trace the payment and confirm whether it was received. Keep a record of the confirmation number or receipt you received when you made the payment, as this will help customer service locate it.