How to Make a TD Bank Mortgage Payment

Where to send your TD Bank mortgage payment

TD Bank has a payment mailing address printed on your mortgage statement. The address changes depending on which state you live in and which loan servicer handles your account — TD Bank sometimes services mortgages directly, and sometimes sells the servicing rights to another company. Check your most recent statement first, because that address is always correct for your situation.

If you cannot find your statement, call TD Bank's mortgage customer service line at 1-888-751-9000. They will confirm the mailing address and tell you whether your loan is still serviced by TD Bank or has been transferred. Sending a payment to the wrong address delays posting and can trigger late fees, so verify before you mail.

Key Takeaways

• Your mortgage statement shows the correct mailing address for your payment, and this address may change if your loan is sold to another servicer.
• TD Bank accepts online payments through your loan account portal, automatic monthly transfers, and mailed checks — choose the method that fits your routine.
• Payments mailed by check typically take 7 to 10 business days to post, so mail early if your due date is approaching.
• Late fees apply if your payment is not received by the due date shown on your statement, regardless of when you mailed it.
• If your loan was sold to another servicer, that new company now collects your payment, and TD Bank will not accept it.

Online and automatic payment options

TD Bank's online mortgage portal lets you make a one-time payment or set up automatic monthly transfers. Log in to your TD Bank account, find the mortgage section, and look for "Make a Payment" or "Pay Now." You can schedule a payment for a future date if you want to time it with your paycheck.

Automatic payments (also called autopay) withdraw money from your checking or savings account on the same day each month. This removes the risk of forgetting and incurring a late fee. You can change or cancel autopay anytime through your account settings, though you should do this at least a few days before the scheduled withdrawal date.

Online payments typically post within one business day. If you pay after business hours or on a weekend, the payment may not post until the next business day, so plan accordingly if your due date falls on a Friday or Monday.

Mailed check payments and timing

If you prefer to mail a check, write your loan number on the memo line so the payment reaches the correct account. Mail your check to the address on your statement at least 10 business days before your due date. The postal service takes 3 to 5 business days, and TD Bank's processing center needs another 2 to 5 business days to receive, open, and post the payment.

A payment is considered on time if it is received by the due date, not if it is postmarked by that date. This means a check you mail on the due date will almost certainly arrive late. If you are cutting it close, use online payment instead — it posts the same day or next business day.

Include your loan number, the payment amount, and your account number on the check itself. If you are paying from a different bank account than the one associated with your mortgage, include your name and address so the payment can be matched to your loan.

What happens if your payment is late

TD Bank charges a late fee if your payment is not received by the due date. The amount of the late fee depends on your loan agreement and state law — some states cap late fees at a percentage of your monthly payment, while others allow a flat fee. Check your mortgage note or call customer service to find out what your late fee is.

A single late payment does not immediately trigger foreclosure, but it does damage your credit report and makes future late payments more likely to result in serious consequences. After 30 days late, the payment appears on your credit report as a missed payment. After 120 days late (roughly four missed payments), TD Bank may begin foreclosure proceedings.

If you know you cannot make a payment on time, contact TD Bank before the due date. They may offer a loan modification, forbearance agreement, or payment plan that temporarily reduces or delays your payment. These options are only available if you reach out before you miss a payment — waiting until after the due date closes off most of them.

Partial payments and payment allocation

If you send less than the full monthly payment, TD Bank will hold the partial payment in a suspense account rather than applying it to your loan. This means your loan is still considered late, and you still owe the full amount. Partial payments do not reduce your principal or interest — they sit in limbo until you send enough to complete the full payment amount.

Once your partial payment plus any new money you send equals the full monthly payment, TD Bank applies the combined amount to your account. If you are behind on multiple months, ask TD Bank which payment plan they will use — some lenders apply the full payment to the oldest missed month first, while others spread it across all late months.

If your loan was transferred to another servicer

Mortgage loans are frequently sold from one servicer to another. If your loan was transferred away from TD Bank, you will receive a notice in the mail explaining the transfer and providing the new servicer's payment address and phone number. After the transfer date, send all payments to the new servicer, not to TD Bank.

Sending a payment to TD Bank after your loan has been transferred causes delays and confusion. The payment may be returned to you, or it may sit in a suspense account while your new servicer marks you late. Call the new servicer to confirm the correct mailing address and payment procedures before you send your next payment.

You can also ask the new servicer whether they offer online payment or autopay. Many servicers have different portals and payment systems, so do not assume your old login will work with the new company.

Frequently Asked Questions

Can I pay my TD Bank mortgage with a credit card?

TD Bank does not accept credit card payments directly for mortgages. You can pay with a debit card through their online portal, or you can use a third-party payment processor that accepts credit cards — but these processors charge a fee (usually 2 to 3 percent of the payment amount), and that fee is your responsibility.

What if I want to pay extra toward my principal?

You can send extra money with your regular payment, but include a written note specifying that the extra amount should go toward principal, not toward future payments. Without that note, TD Bank may apply the extra money to next month's payment instead. Call customer service to confirm the extra was applied correctly.

Do I need to include a payment coupon with my check?

If your statement includes a payment coupon, include it with your check — it helps the processing center match your payment to your account quickly. If you do not have a coupon, write your loan number clearly on the check memo line and you are fine.

How do I know if my payment posted?

Log into your TD Bank mortgage portal and check your account balance and payment history. Online payments typically show within one business day. Mailed checks take longer — allow up to 10 business days before calling to ask whether the payment was received.

What if I want to change my payment due date?

Call TD Bank's mortgage customer service at 1-888-751-9000 and ask about changing your due date. Some lenders allow you to move your due date to align with your paycheck, though this usually requires a loan modification. Ask what options are available for your specific loan.