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PROGRAMS |
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Payment Options for MLCC Clients
Merrill Lynch offers you several convenient payment options, including online payments and direct debit (ACH).
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First Mortgages |
| Online |
www.mortgagequestions.com
MortgageQuestions.com features a Paperless Billing Option where you may access all of your statements. Various e-mail alerts available. |
| Phone |
(888) 412-8625 |
| Direct Debit (ACH) |
Setting up Direct Debit
FlexPay -- Direct debit tool that lets you decide when and how to make your mortgage payments. Click on link for fees information. |
| SpeedPay |
Allows you to pay your mortgage electronically.
SpeedPay fees* via the Automated Phone System (877) 875-1874, or http://www.mortgagequestions.com/ are as follows:
- FREE prior to or on the 1st of the month of the payment due date.
- $1.50 between the 2nd and 5th of the month.
- $7.50 between the 6th and 10th of the month.
- $12.50 between the 11th and 15th of the month.
- $15.00 on or after the 16th of the month.
Please note, SpeedPay fees using a Customer Service Representative are $17.50.
*Except where state restrictions apply. |
| Traditional Mail |
First Mortgage Mailing Addresses |
Additional Principal/ Escrow Payments via Mail |
If you wish to make additional principal or escrow payments, separate from your monthly payment, you can mail your payments to the following address, see below. Please include the loan number on the check and indicate that the payment is to be applied to principal or escrow. (If you include additional principal or escrow payments with your monthly payment, please also note where the extra money is to be applied.)
The address for additional principal/escrow payments:
Mortgage Service Center Attn: Cash Management PO Box 5457 Mount Laurel, NJ 08054 For overnight mail: Mortgage Service Center Attn: Cash Management Mail Stop SV-19 4001 Leadenhall Road Mount Laurel, NJ 08054
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| Questions |
Call (888) 412-8625 for questions about payments for 1st mortgages. Or e-mail us at: MerrillLynchServicingInfo@mortgagefamily.com. |
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Home Equity Credit Lines (Equity Access® accounts) |
| Online |
http://www.mortgagequestions.com/
MortgageQuestions.com features a Paperless Billing Option where you may access all of your statements. Various e-mail alerts available. |
| Phone |
(877) 461-2437
The first time this method is used, the Representative will need the routing number and account number from the bottom of your check. After the first payment, the account information will stay in our database.
There is a $17.50 charge for making the payment with a Representative. |
| Direct Debit (ACH) |
Setting up Direct Debit |
| SpeedPay |
SpeedPay is an automated, 24-hour payment by phone system that allows you to make your monthly payment whenever it’s convenient. Payments can be made using a checking or savings account, or an ATM card that is part of the STAR, PULSE or NYCE network. The SpeedPay telephone number is (877) 729-3273.
On or before the due date on the statement, there is no fee for using this toll-free system. After which, fees will apply as follows, except where state restrictions apply.
- FREE for payments made on or before the due date.
- $1.50 the 16th through the 18th of the month.
- $7.50 the 19th through the 21st of the month.
- $12.50 the 22nd through the 24th of the month.
- $15.00 on or after the 25th of the month.
Please note, SpeedPay fees using a Customer Service Representative are $17.50.
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| Traditional Mail |
Home Equity Mailing Addresses |
| Additional Principal Payments via Mail |
If you wish to make additional principal payments, separate from your monthly payment, you can mail your payments to the following address, see below. Please include the loan number on the check and indicate that the payment is to be applied to principal. (If you include additional principal payments with your monthly payment, please also note where the extra money is to be applied.)
The address for principal payments:
Home Equity Service Center PO Box 5445 Mt. Laurel, NJ 08054 Mail Stop SV45
For overnight mail: Home Equity Service Center 4001 Leadenhall Road Mt. Laurel, NJ 08054 Mail Stop SV45
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| Questions |
Call (877) 461-2437 for questions about payments for home equity credit lines. |
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Construction-to-Perm During Construction |
| Standard Mail |
Mortgage Services PO Box 223011 Pittsburgh, PA 15251-2011 |
| Overnight Mail |
Mortgage Services 5201 Gate Parkway Jacksonville, FL 32256 ATTN: Construction Lending/Servicing |
| Direct Debit (ACH) |
To setup auto-debit payments, please contact the Construction Department at (888)421-0879, extension 94082 or 94096. |
| Questions |
If the loan is still in the construction phase, please call (888)421-0879, extension 94082 or 94096. |
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Construction-to-Perm Once Converted to Permanent |
| All Payments |
See information for first mortgages and Home Equity Credit Lines above. |
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