How to Pay Your Crosscountry Mortgage Online
Where to Pay Your Crosscountry Mortgage
Crosscountry Mortgage does not operate its own online payment portal. Instead, you pay through your servicer — the company that actually collects your monthly payment. Your servicer may be Crosscountry itself, or Crosscountry may have sold your loan to another company after closing. The servicer's name appears on your monthly statement and in the loan documents you received at closing.
To find out who services your loan, log into your Crosscountry account at crosscountrymortgage.com, call their customer service line, or check your most recent mortgage statement. The servicer information is usually listed at the top or in the payment instructions section. Once you know the servicer, you can set up online payments through their website or app.
If Crosscountry is your servicer, you can pay online through their customer portal. If another company services your loan, you will need to create an account with that servicer's website instead. Either way, the process is similar: log in, enter the payment amount, choose your payment date, and confirm.
Key Takeaways
- Your servicer — not necessarily Crosscountry — collects your mortgage payment, and you pay through their website or app.
- Check your mortgage statement or log into Crosscountry's portal to find out which company actually services your loan.
- Online payments typically process within one to three business days, though you should submit them at least five days before your due date to avoid late fees.
- You can also pay by phone, mail, or automatic bank transfer (ACH) if online payment does not work for your situation.
Setting Up Online Payment Through Crosscountry
If Crosscountry Mortgage is your servicer, go to crosscountrymortgage.com and select the login option. You will need your loan number and password. If you do not have an account yet, you can create one by entering your loan number and the property address associated with the loan. Crosscountry will verify your identity and send you a temporary password.
Once logged in, look for a "Make a Payment" or "Pay Now" button, usually visible on your account dashboard. Enter the amount you want to pay (your full monthly payment, a partial payment, or an extra amount toward principal). Select the payment date — this is when the money will leave your bank account, not when it will post to your loan. Choose your payment method: bank account (ACH transfer) or debit card. ACH transfers are free; debit card payments usually carry a fee of around $3 to $5, though this varies.
Review the payment details carefully before submitting. Crosscountry will show you a confirmation number. Save or print this number in case you need to reference the payment later. The payment will process within one to three business days.
Paying Through Your Loan's Actual Servicer
If your loan has been sold to another servicer, you cannot pay through Crosscountry's website. You must pay through the servicer's portal instead. Common servicers include Rocket Mortgage, may provide Rate, Better.com, and dozens of regional banks. Your monthly statement will list the servicer's name, phone number, and website.
Go to the servicer's website and log in or create an account using your loan number. The payment process is nearly identical to Crosscountry's: select "Make a Payment," enter the amount and date, choose your payment method, and confirm. Some servicers offer a mobile app, which can be faster if you pay regularly.
If you cannot find the servicer's website, call the phone number on your statement and ask for the online payment portal address. Customer service can also walk you through the login process or reset your password if you have forgotten it.
Payment Timing and When Money Actually Posts
The date you select when you submit an online payment is the date the money leaves your bank account — not the date it arrives at your servicer or posts to your loan. Most online payments take one to three business days to process. If your due date is the 15th and you submit a payment on the 14th, the money may not reach your servicer until the 16th or 17th, which counts as late.
To avoid late fees, submit your payment at least five business days before your due date. If your due date falls on a weekend or holiday, your servicer's deadline is usually the next business day. Check your statement or servicer's website to confirm the exact due date for your loan.
Some servicers allow you to schedule a payment in advance — you can submit it weeks ahead and choose the exact date it will process. This is useful if you know you will be away or want to automate your payments. Others require you to submit each payment manually.
Setting Up Automatic Payments (ACH)
Instead of logging in each month, you can set up automatic monthly payments through ACH (Automated Clearing House), a bank-to-bank transfer system. This removes the risk of forgetting to pay and ensures your payment posts on time every month. Both Crosscountry and other servicers offer this option.
To set up automatic payments, log into your servicer's portal and look for "Autopay," "Automatic Payment," or "Recurring Payment." You will need to provide your bank account number and routing number. Choose whether you want to pay your full monthly payment, a fixed amount, or a variable amount (if your payment changes due to taxes or insurance). Select the date each month when the payment should process — usually a few days before your due date.
You can change or cancel automatic payments at any time through your account. If your loan is sold to a new servicer, you will need to set up automatic payments again with the new servicer's portal. Keep a record of your automatic payment schedule so you know when money will leave your account.
Other Payment Methods If Online Does Not Work
If you do not have internet access, do not have a bank account, or prefer not to pay online, you have other options. You can pay by phone by calling your servicer's customer service number on your statement. A representative will take your payment information over the phone. Phone payments usually process the same way as online payments and may carry the same fees for debit card use.
You can also mail a check to the address listed on your statement. Write your loan number on the check and mail it at least 10 days before your due date to account for postal delays. The servicer's mailing address is usually on the back of your statement or on their website under "Payment Address." Never send cash through the mail.
Some servicers accept payments in person at local branches or payment centers, though this is less common than it used to be. Call your servicer to ask if this option is available in your area.
What to Do If Your Payment Does Not Post
If you submitted a payment online but do not see it reflected in your account after five business days, log back into your servicer's portal and look for a payment history or transaction log. This will show you the status of your payment: pending, processed, or failed. If the payment was rejected, the servicer will usually send you an email or letter explaining why — often because the bank account information was incorrect or your account did not have sufficient funds.
If the payment shows as processed but has not posted to your loan, contact your servicer's customer service line. Have your confirmation number ready. A representative can track the payment and tell you when it will appear on your account. Payments can take longer to post during high-volume periods (around the first of the month) or if there are banking delays.
If a payment failed and you need to make it again, submit a new payment immediately and choose an earlier date if possible. If your due date has already passed, contact your servicer to ask whether a late fee will be charged. Some servicers waive the fee if you can show that you submitted the payment on time but it failed due to a system error on their end.
Frequently Asked Questions
Can I pay my Crosscountry mortgage through their website if another company services my loan?
No. Crosscountry's website only accepts payments for loans they actively service. If your loan has been sold, you must pay through the new servicer's website. Your statement will show which company to contact.
Is there a fee to pay my mortgage online?
ACH bank transfers are free. Debit card payments usually cost $3 to $5, though the amount varies by servicer. Check your servicer's website before you pay to see what fees apply to your chosen payment method.
What happens if I pay late?
Late fees are charged if your payment is not received by your due date. The fee amount is listed in your loan documents and on your statement. Late payments also damage your credit score and can trigger foreclosure proceedings if you remain behind for several months.
Can I change my payment date after I submit it online?
It depends on your servicer and how far in advance you submitted the payment. If the payment is still pending (has not yet processed), you may be able to cancel it and resubmit with a new date. Once the payment has processed and left your bank account, you cannot change the date. Contact your servicer's customer service to ask about cancellation options.
What should I do if I cannot afford my monthly payment?
Contact your servicer immediately — do not skip a payment. Servicers are required to discuss options like loan modification, forbearance, or repayment plans if you are experiencing financial hardship. The sooner you reach out, the more options may be available to you.