GMFS Mortgage Payment Options

GMFS Mortgage Payment

Update:GMFS Mortgage Payment - 2021.05.06

The first GMFS Mortgage location opened in Baton Rouge, Louisiana, in 1999. There are now 13 GMFS Mortgage locations in the United States, employing about 250 people. 

GFMS offers housing loans, urban development, construction, and renovation programs. If you want to make a GMFS mortgage payment, you have options! And it’s also easy and convenient to pay your GMFS mortgage online.

These free online calculators will help you find out how much your monthly payment on GMFS Mortgage will be:

How To Pay GMFS Mortgage Payment Bill Online

To make a GMFS Mortgage payment online, follow these steps:

Creating Your GMFS Online Account 

  1. Go to gmfs mortgage.servicingloans. 
  2. Look on the upper right side of your screen for the gray “Register” button and click on it.
  3. On the next page, look for the white “Create My New Account” button and click on it. 
  4. Enter the following information:
  • Username: You can type a username up to 70 characters, or you can use your email address here.
  • First Name.
  • Last Name.
  • Password: Remember to record your password!
  • Confirm password: Retype your password. 
  • Email.
  • Phone Number: Enter your phone number with the area code.
  • The last step is for security: Type the characters you see onscreen.
  1. Finally, click on the blue “Register” button. Your account will be verified shortly.

Logging Into Your GMFS Account and Making GMFS Mortgage Payments Online

Whether you’re logging into your GMFS account for the first time or you’re logging back in, follow these same steps every time:

  1. Go to gmfs mortgage.servicingloans. 
  2. On the upper right side of the screen, click on the blue “Login” button.
  3. Type in the following:
  • Username: If you used your email as a username, type it in. 
  • Password: Type in the password you created.
  1. Click on “Login,” and your online banking dashboard will appear.

Your Options for Making a GMFS Mortgage Payment Online:

After logging in to your GMFS mortgage account online dashboard, you’ll have two options. 

Both of these options allow you to pay your GMFS Mortgage payment online with no added service fee. Here’s how:

  • Option 1—Automatic Electronic Payment. You can make a GMFS mortgage payment weekly, twice a week, twice a month, monthly, or on a convenient date within the grace period. Should your GMFS mortgage payment amount change, your online account will adjust itself.
  • Option 2—One-Time Electronic Payment. You can also make a one-time payment.
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Other Options for Making a GMFS Mortgage Payment

By Mail

GMFS accepts checks, cashier’s checks, or money orders at the appropriate address below. To ensure prompt, accurate processing of your GMFS Mortgage payment, please include your loan number and property address on the check/money order. Aside from postage costs, there is no added fee to pay by mail. 

To remit payment mail to:

  1. O. Box 60535

City of Industry, CA 91716-0535

To remit overnight payments/payoffs mail to:

6200 S. Quebec St.

Greenwood Village, CO 80111

By Phone 

Phone in your GMFS Mortgage payment at 1-866-392-1860. You have two payment options over the phone with no added service fee:  

  • Voice Response System. Call 1-866-392-1860 and follow the prompts for the automated voice response system. Please have your bank account and routing numbers ready.
  • Live Agent. Call 1-866-392-1860 to speak to a Customer Care Associate. Please have your bank account and routing numbers ready. 

By Western Union 

Pay at Western Union®. Please record your account number and the City Code PAYSLS on the payment form. Call 1-800-325-6000 for a Western Union® office nearby.

Third-party charges may apply through Western Union®.

By MoneyGram

Pay at, or call 1-800-666-3947 for a MoneyGram® location nearby. Please complete a MoneyGram® Express Payment form, including your full GMFS loan number and this code: 6114. The MoneyGram® agent should provide a reference number.

Call GMFS at 1-866-392-1860 and give the MoneyGram® reference number to a Customer Care Associate. 

Third-party charges may apply if you use MoneyGram®.

Set Up Bill Pay Through Your Bank

Pay your GMFS mortgage payment monthly through your bank. Please note, if your GMFS loan payment amount changes, you must advise your bank. Please make sure your bank pays the loan amount on time each month to avoid late fees, and inquire about additional bank transaction fees. 

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GMFS Mortgage Questions and Answers

I sent my payment on time, but my account wasn’t credited and the amount hasn’t cleared my bank. Why? 

If it’s been two weeks or more since you paid, please contact GMFS Customer Care at 1-866-392-1860 from Monday through Friday, 6:00 a.m. to  6:00 p.m. MT.

How do I set up or cancel electronic billing? 

A primary borrower can set up electronic billing through their GMFS online account. Once electronic billing is set up, it can take up to one billing cycle to activate. 

Changes can be made to electronic billing through your online account, or by contacting Customer Care at 1-866-392-1860 from Monday through Friday, 6:00 a.m. to 6:00 p.m. MT.

How long does it take GMFS to apply my mortgage payment to my account after they receive it?

When your GMFS mortgage payment is properly submitted on a weekday before 8:00 p.m. ET, it will be processed as being received on that day.

What does GMFS consider to be a late mortgage payment?

A mortgage payment that arrives at GMFS the day after the payment due date will be considered a late payment. But any late charges are applied according to the “grace period” specified in your Note or Retail Installment Contract.

What to do if I forgot my password? 

Go to gmfs mortgage login page and choose the “Forgot your password” link. To reset your password enter your username and type in the characters shown on the screen. Click “Next.”

What to do if I forgot my username? 

Go to gmfs mortgage login page and choose the “Forgot your Username” link. You will need to choose the appropriate channel (email address or mobile number) for restoring your username. Type in the characters shown on the screen. Click “Next.”

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GMFS Customer Service

GMFS Corporate Office Phone Number: 225 214-5000

Customer Care Department: 1-866-392-1860

Fax Number: 1-720-241-7218

Corporate Office Email: [email protected]

Headquarters Address:

7389 Florida Blvd Suite 200A
Baton Rouge, LA 70806 United States

General mailing address is:
GMFS LLC c/o Specialized Loan Servicing
P.O. Box 636005
Littleton, CO 80163-6005
Attention: Customer Care Support

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How to Avoid Late GMFS Mortgage Payments

When you do get approved for a GMFS mortgage loan, you’ll want to avoid any late payments. Here are a few tips that will help you steer clear of making untimely payments.

Sign Up for GMFS Auto-Pay

Your first order of business is to set up an automatic payment option, and you can do this either through your bank or through your lender. You’ll want to go with the most ideal option for you.

Auto-Pay – the Pros

  1. You can avoid late payments and any resulting late fees. This will, in turn, ensure a healthy credit score.
  2. You can do your part to protect the environment with paperless billing.
  3. You won’t have to deal with any expenses relating to postage as you won’t need an envelope or a stamp, and you won’t have to fill out a check since auto-pay is done via electronic funds transfer.
  4. You will save time since auto-pay is convenient. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. With auto-pay, you can automate the entire process of paying bills.

Auto-Pay – the Negatives

  1. You could, if you’re not monitoring the inflows and outflows of money in your bank account, overdraw your account. In order to avoid any problems, just keep track of how much you have in your account at all times.
  2. You could potentially overlook things like errors, interest rate hikes, or other hidden fees. This can be avoided by simply making it a habit to go over your bill.
  3. You could fail to stay on top of things such as the amount owing or the amount you’re paying monthly. As has been mentioned, you can steer clear of such problems by checking into your account regularly. This will help you to know when it might be a good idea to make additional payments to reduce the principal quicker.

Sign Up for Alerts and Reminders

Receiving a notification for an upcoming bill payment can make all the difference. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. You’ll be able to avoid late payments by doing so.

Set Up a Bill Pay Day

Another option is to purposefully schedule a period of the month when you can commit to making bill payments. When you go this route and have a system in place, you will avoid late payments.

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What to Do if I Made a Late GMFS Mortgage Payment

It’s a good idea to avoid a late GMFS Mortgage payment at all costs, but mistakes sometimes happen. While you don’t want to be too hard on yourself if this happens, you need to consider possible consequences. Case in point: you could see your credit score take a hit if you don’t make payments on schedule. Also keep in mind that a late GMFS Mortgage payment may remain on your credit report for as many as seven years, which would adversely impact your credit score. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report.

Option #1: Contact GMFS Mortgage and Make Request

Reach out to your lender by phone right away, and acknowledge that your payment was submitted past the deadline. It’s important to admit you were in error. Let them know when they can expect payment. They may be willing to delete your late payment data so that your creditworthiness doesn’t suffer.

Option #2: Write Them a Letter

The next option at your disposal is to write a letter, known as a goodwill letter, to GMFS. In the letter, you’ll want to specifically and respectfully request a removal. Do these 2 things in the letter:

  • Demonstrate that you accept that the situation was caused by you.
  • Guarantee that there will be no repeat of the delinquent behavior going forward.

What follows is a sample letter template you can use as inspiration:

[Your first and last name] [your address] [your account number]


To Whom It May Concern:

I appreciate your taking the time to read my letter. The reason for this correspondence is that I found on my latest credit report a late payment listed on [date] for my [name of account] account. I’m aware of the importance of making timely payments and meeting my financial commitments. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Specifically, I’ve [explain what has changed that will prevent any additional late payments]. Since my missed payment, I have had a flawless record of making payments on time.

One reason I’m making this request is that my intention is to apply for a [loan, credit card, etc], and I’ve come to understand that the missed payment reflected on my credit report could jeopardize my objective. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. This would delete my late payment on [date] and enable me to obtain a [loan, credit card, etc.) and to secure a better rate.

I appreciate your considering this matter, and I hope you will grant my request.

Best regards,

[your name]

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