Almost every U.S. mortgage servicer lets you pay by eCheck - an ACH draft from your checking or savings account - usually free, online or by phone, with AutoPay to avoid late payments. We confirmed the 19 lenders and servicers below. Ally was removed because it no longer services home loans.
Rocket Mortgage
AutoPay or one-time ACH payment from checking or savings through the Payment Center.
Visit Rocket Mortgage websiteChase Home Lending
Automatic or one-time ACH payments from a checking account.
Visit Chase Home Lending websiteWells Fargo Home Mortgage
Automatic electronic withdrawal from any checking or savings account (ACH).
Visit Wells Fargo Home Mortgage websiteBank of America Home Loans
PayPlan AutoPay from checking/savings or one-time ACH via Online Banking, at no charge.
Visit Bank of America Home Loans websitePNC Bank
Pay from a PNC or non-PNC checking/savings account (ACH) - same-day, future-dated, or recurring, no fee.
Visit PNC Bank websiteU.S. Bank
AutoPay from checking or savings, plus one-time online or phone bank payment (ACH).
Visit U.S. Bank websiteCiti
Pay your mortgage from a linked bank account (ACH) online or by phone (serviced by Cenlar).
Visit Citi websiteTruist
Recurring or one-time ACH from a checking or savings account online or by phone.
Visit Truist websiteFlagstar Bank
AutoPay or one-time ACH from a bank account through MyLoans.
Visit Flagstar Bank websiteNBKC Bank
ACH loan payments and free recurring AutoPay from a checking account.
Visit NBKC Bank websiteRate (Guaranteed Rate)
Auto Debit ACH from checking or savings, with a 0.25% autopay discount.
Visit Rate (Guaranteed Rate) websiteAndrews Federal Credit Union
ACH from checking or savings via Digital Banking, Express Pay, or the Automatic Payment Program.
Visit Andrews Federal Credit Union websiteBetter Mortgage
ACH AutoPay and one-time payments through servicer ServBank/LoanCare.
Visit Better Mortgage websiteloanDepot
AutoPay direct debit from checking, plus one-time payments via the Service Portal or app.
Visit loanDepot websiteNewRez
Recurring ACH autodraft (bi-weekly, semi-monthly, or monthly) or one-time online bank payment; services former Caliber loans.
Visit NewRez websiteNavy Federal Credit Union
Easy Pay AutoPay ACH from checking, plus one-time online, app, or phone payments.
Visit Navy Federal Credit Union websiteSoFi
ACH AutoPay or one-time payment from a U.S. checking account via the Home Loan Servicing Portal.
Visit SoFi websiteNew American Funding
Monthly or bi-weekly automatic ACH from a checking or savings account through MyLoan.
Visit New American Funding websiteGuild Mortgage
Free ACH AutoPay from a checking account, plus one-time online or app payments.
Visit Guild Mortgage websiteFrequently asked questions
Can I pay my mortgage with an eCheck?
Yes. Almost every U.S. mortgage servicer lets you pay by eCheck - an ACH draft from your checking or savings account - online or by phone, one-time or as AutoPay.
Do mortgage lenders charge a fee for ACH payments?
Usually no. Standard ACH or AutoPay from a bank account is free at most servicers; some even give a small autopay rate discount. Fees appear mainly for expedited or phone-agent payments.
Does Rocket Mortgage accept eCheck?
Yes. Rocket Mortgage lets you make one-time or automatic ACH payments from a checking or savings account through its online Payment Center.
Is AutoPay from a bank account safe for mortgage payments?
Yes, and it helps you avoid late fees. AutoPay pulls the exact amount by ACH on the due date; you can change or cancel it in your servicer's portal.
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