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PAYMENT FAQs

Do you have questions about your loan, loan payments, ACH set up, late charges, escrow or payoff?

Click the button below to view our most frequently asked questions.
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STATEMENT GUIDE

Do you have questions about your mortgage statement? Your statement gives you details about your mortgage in an easy-to-read format. Click here to learn more about how to read your statement.
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CONTACT SERVICING

Need to contact someone regarding your payment, pay-offs, or for other assistance?

Click the button below to get our servicing departments contact information.

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PROBLEMS MAKING YOUR MORTGAGE PAYMENT?
Experiencing a temporary hardship? Click below to download the "Borrower's Response Package". Gather the supplimental information required & complete the form. Submit all documents to default@MHLcu.com or fax 832.237.0081.
Questions / assistance call 866.520.4702.
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Frequently Asked Questions

1. How do I view my loan information online?

At the top of this page click one of the blue boxes in the grey box labeled "View Loan". Once you have registered, you will be able to view statements, recent activity and obtain up to date loan information.

2. What are my options for making a payment?

  • Mail monthly payments to: 9597 Jones Road, Suite 324, Houston, TX 77065

  • Pay by phone by calling 832-912-2168 or call toll free at 866-520-4702. Please note, a $15 fee will apply.

  • You may log into your account and set up recurring payments or a one-time payment.

  • Set up an ACH (Automatic Clearing House). Click here to go to the "Mortgage Forms" and then click on "ACH draft form". Download the form, print, fill out and submit via fax or email. This is for Monthly recurring drafts only.

  • If you would like to drop off a payment to us in person, you may do so at: 9601 Jones Road, Suite 108, Houston, TX 77065

3. When are my payments due?

Your statement will let you know the due date for your loan in the top right hand corner. To view your statement, login at the top of this page and proceed to the Statements/Documents tab.

4. My taxes and insurance are included in my monthly payments. If I receive an invoice/statement, what should I do?

If your taxes and/or insurance are included in your monthly mortgage payment (escrows) and you are mailed a bill or a statement for Tax and/or Insurance please send a copy to our office for our records (Fax Number: 832-237-0081).

5. What is the daily cut off time for getting my payment posted the day I make the payment?

You can make payments until 5pm CT. However, our daily cut-off time to have your payment post the same day is 3pm CT. This applies to all methods of payment. So, keep in mind, if you are making your mortgage payment via phone, website, or if you drop it off to us, after 3pm CT, the payment will not be posted until the next business day. Any payments made after 3pm on the day the grace period ends will be processed the next business day potentially incurring a late charge.

6. I am set up for ACH withdrawal on the last day of my grace period. What if this day falls on a weekend or holiday. Will I be charged a late fee?

No, you will not be charged a late fee. Your payment will be processed on the following business day and posted to your account.

7. When are late charges assessed to my account?

Your loan is subject to a late charge at the expiration of your grace period. If this date falls on a weekend or holiday, then it may be assessed the next business day following the weekend or holiday

8. How can I get a duplicate of my monthly statement?

To obtain a copy of your monthly statement, log in at the top of this page and proceed to the Statements/Documents Tab.

9. I have a fixed-rate loan, why is my payment increasing/decreasing?

Fixed rate loans that have escrow accounts may have changes in the payment amounts. An increase or decrease in the annual taxes and/or hazard insurance will cause fluctuation in the payment amount. The account will be analyzed annually.

10. When can I expect to receive my annual escrow analysis?

Typically the analysis is completed in February to be effective for the April payment.

11. My escrow analysis indicates a shortage and/or deficit that will be spread over 12 months. Can I pay a lump sum amount to reduce my payment?

You may make a lump sum payment to your escrow account. Paying a shortage will reduce your payment by the prorated shortage amount. Due to the escrow payment being determined by dividing an expected disbursement by 12, the payment may not revert to the previous amount.

12. Can my mortgage loan be set-up for bi-weekly or semi-monthly payments?

Mortgage loans will not be converted from monthly payments to bi-weekly or semi-monthly payments. The Note signed at closing dictates the payment frequency.

You may occasionally receive a solicitation by a third party to set-up payments bi-weekly or semi-monthly. This company is not associated with Member Home Loan.

13. How do I request a payoff statement?

A. A borrower may call our office to request a payoff. The requested payoff will be mailed to the address on file. If a borrower would like the payoff faxed or emailed we must have a written request with a signature. The borrower may fax, email, or mail the signed authorization. Please include the loan number, and property address.

B. Third party requests must have a Letter of Authorization with the borrower’s signature(s) and must be faxed, emailed, or mailed.

Please don’t forget to request a “Payoff Good through Date”. A one-time $35 Fee will be assessed when requesting a payoff. Payoffs should be sent via wire or certified funds. The bank wire instructions are printed on the payoff statement.

14. I am experiencing financial difficulties, are there any options to assist with my mortgage payments?

There could be several options depending on your financial situation. Not everyone will qualify. Please contact our office to discuss the details with our default team in regards to your specific situation.

For further assistance you may email, fax, or phone our office or to submit any of the above information/requests.