Logging in

Visit U.S. Bank online from your computer or download the mobile app.

If you have a U.S. Bank online banking account, log in. If not, you will need to create an account.

Once logged in, you will be taken to your online banking dashboard where your mortgage account (and any other U.S. Bank accounts) will appear.

Click on your mortgage account number to be taken to your mortgage dashboard.

Time saving tools

Easily manage your mortgage with new and improved mortgage account tools.

Mortgage dashboard

Your mortgage dashboard lets you access up to six different tabs:

Payment

Make a payment online, enroll in autopay and view details about your loan balance and home value.

My Neighborhood

View estimated home value trends and sale history of your home (not available in all areas).

My Home

Access resources to make estimates for owning your home sooner and affordability for future home purchases.

Goals

Use resources to estimate how changing your loan payment can impact your payoff date or payoff amount or build equity.

My Loan

View your loan balance and payment history, including details about your taxes and insurance.

Education

Learn basic mortgage terminology and how to manage your loan long-term.

Payments

Make a payment

This box is auto-populated with your standard monthly mortgage payment. You may select to make your normal monthly payment or make an additional payment toward principal or escrow.

Autopay

This link allows you to effortlessly enroll in automatic payments from your checking or savings account each month. 

Payment Sources

The checking or savings account(s) from which you would like your mortgage payment to be withdrawn are stored here. You may need to add a payment source the first time you log in, which will then be saved for future payments.

Add to Your Monthly Payment

This indicator estimates how paying more than your monthly payment impacts the term of your loan and payoff date.

Payment FAQ

Autopay

Autopay is a convenient way of making your monthly mortgage payments. Once set up, your payments will be automatically deducted every month from your checking or savings account on the date that you choose. We can help you manage automatic payments, whether you’re setting up or changing existing information.

Online banking steps

For customers with a U.S. Bank demand deposit account (DDA), log in at usbank.com.

  1. Choose your mortgage account listed under Accounts on the customer dashboard.
  2. Choose Set up & edit autopay on the mortgage account dashboard.
  3. Your payment information will be listed.
    • To Set Up: Choose Enroll in autopay and enter the required information, then select the checkbox if you agree to the terms and select Enroll.
    • To Edit: Choose Payment information, then select Modify settings. Edit the desired information, then select the checkbox if you agree to the terms and select Update.
    • To Unenroll: Choose Unenroll from autopay, then confirm Yes or No.
  4. Once the process is complete you’ll receive a confirmation date of when your draft will be activated.

 

U.S. Bank Mobile App steps

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Choose your mortgage account from the main dashboard.
    • If you have a U.S. Bank demand deposit account (DDA), choose View & manage my account below your account details.
    • If you only have a U.S. Bank mortgage, choose View, pay & manage my account below your account details.
  2. Your payment information will be listed.
    • To Set Up: Choose Enroll in autopay and enter the required information, then select the checkbox if you agree to the terms and select Enroll.
    • To Edit: Choose Payment information, then select Modify settings. Edit the desired information, then select the checkbox if you agree to the terms and select Update.
    • To Unenroll: Choose Unenroll from autopay, then confirm Yes or No.
  3. Once the process is complete, you’ll receive a confirmation date of when your draft will be activated.

 

Additional information

Please have your checking account and routing number for this process. Once a checking or savings account is entered for payment, it will be saved in the site. You will not be able to enroll in or modify autopay if the account is past due. This information may be unavailable if the account is past due. 

You’ll be notified by mail when the first payment is drawn. If your debit lands on a holiday or weekend, we’ll credit your loan the following business day. Otherwise, payments are posted the same day.

For assistance from a customer service representative, call 800-365-7772 Monday through Friday from 7 a.m. to 8 p.m. CT and Saturday from 8 a.m. to 2 p.m. CT.

Pay by phone

You could choose to make your monthly mortgage payment by phone either through our automated voice response system or with the help of a customer service representative. For payments made by phone, we credit the payment the same day (the next day if made on a weekend or holiday).

Call 800-365-7772 to make a payment by phone. You’ll be asked to provide your checking or savings account number and your bank’s routing number. Your mortgage payment will be electronically drafted from your loan the same day.

Pay by mail

If you choose to pay your monthly mortgage amount by mail, U.S. Bank Home Mortgage will send you a monthly billing statement with a payment slip. Detach the payment slip and mail it back, with your payment, in the enclosed envelope. Include your mortgage loan number on your check.

For overnight deliveries, please send your payment to:

U.S. Bank Home Mortgage
ATTN: Payment Processing
4801 Frederica Street
Owensboro, KY 42301

We’ll apply your payment on the day it’s received. We don’t consider the postmark date or adjust for mail delays. Please allow at least seven business days for mailing. Allow 10 or more days during holidays and other high-volume mailing times, such as tax season.

For a hassle-free payment method, choose autopay. It’s easy to set up, and you could schedule automatic payments without worrying about any checks, stamps or mailing delays.

Branch payments

You can also make your mortgage payments at any U.S Bank branch. Please have your billing statement available when making a payment.

We generally credit any payments made at the branch the same day. However, some branches convert their systems to begin processes for the next day earlier than online, typically around 4 p.m. local time. Branches post any payment made after their conversion time the following business day. Also, some branches do not have the capability of posting a mortgage payment directly. These branches must forward payments to mortgage servicing. These payments may also post the following business day. Your receipt will indicate if your payment won’t be posted until the following business day.

Visit Find a U.S. Bank branch & ATM to locate a U.S. Bank branch.

If you’re struggling to make your mortgage payment, we can help.

To get started, select Mortgage assistance from your mortgage account to let us know your current hardship status and how you’d like to proceed with your monthly payments.

If you have two or more mortgage accounts, log in to each mortgage account to request assistance. For home equity line of credit (HELOC), call us at 800-USBANKS.

Your payment may have changed for several reasons, including:

  • Escrow – If your account is escrowed, then your monthly payment may change to reflect increases or decreases in your taxes and/or insurance.
  • Adjustable-rate mortgage (ARM) – If you have an ARM, the interest rate charged on your mortgage may increase or decrease at a specific time and periodically as agreed upon at the inception of your loan.
  • Interest-only mortgage – An interest-only mortgage allows the borrower to only pay interest on the loan for a preset, very specific amount of time. Once that time has elapsed, the borrower will be responsible for making full payments, including principal.
  • Buy-down clause – If the terms of your mortgage include a buy-down clause for a specific period of time during which the interest rate is subsidized by a third party, your payment could change. Over time your payments adjust so that you pay an increasing percentage of the original interest rate as defined in your note.

If you pay your monthly mortgage through bill pay, you’ll need to update your financial institution on the new monthly payment amount to be debited from your checking or savings account. Whether you use a U.S. Bank checking or savings account or another financial institution’s bill pay system, you’ll need to update the new recurring payment amount.

You could also enroll in autopay without having to worry to adjust the mortgage payment amount. It’s easy to set up and hassle free.

To enroll, log in to online banking and select Setup & edit autopay from your mortgage account dashboard. Select Enroll in autopay and provide the requested information. New loans may require up to 30 days before this option is available.

You’ll be notified when the first payment is drawn. If your debit lands on a holiday or weekend, we’ll credit your loan the following business day. Otherwise, payments are posted the same day.

U.S. Bank does not accept bi-weekly payments. However, you can make additional payments at any time once the monthly payment due is satisfied.

Please review the mortgage servicing fee matrix for additional information.

Payment options

Learn about the available options for managing your mortgage payments online, by mail, in a branch or over the phone.

Start of disclosure content

Disclosures

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.