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How to Pay Your VA Mortgage Online: A Step-by-Step Guide

A VA mortgage is a home loan guaranteed by the U.S. Department of Veterans Affairs (VA). It helps eligible veterans, active-duty service members, and surviving spouses purchase a home with no down payment and flexible underwriting. 

Paying a VA mortgage online provides many benefits like convenience, security, and faster processing times. According to the 2023 VA Home Loan Report, 70% of VA mortgage borrowers made their most recent payment online. 

This step-by-step guide covers how to set up and manage online VA mortgage payments.

A US soldier with a family

1. Locate Your Mortgage Provider’s Website

The first step is to find your mortgage servicer’s website. Your servicer is the company you make your mortgage payments to each month. 

Look at your most recent mortgage statement for the servicer’s name and website. You can also log into your account on to find your servicer’s contact information.

For example, if your servicer is ABC Mortgage Company, go to 

2. Register for an Online Account

Once on your mortgage servicer’s website, find the “Register” or “Create Account” option.

You’ll need to provide personal details like:

  • Your name
  • Mortgage loan number
  • Last 4 digits of your Social Security Number
  • Date of birth

After registering, you’ll get a username and password for your online mortgage account. 75% of VA mortgage borrowers who pay online say this is a convenient way to access their account anytime.

To pay your mortgage online, you’ll need to link a bank account or credit card to your mortgage account.

Under account settings, look for the “Make a Payment” or “Payment Methods” section. Here you can input your:

  • Checking or savings account number and routing number 
  • Credit or debit card number and security code

Your bank account or card will be saved for future online payments.

4. Set Up Recurring Payments (Optional)

For convenience, you may want to set up recurring monthly payments. This way your mortgage is paid automatically each month.

According to the 2023 VA Home Loan Report, VA mortgage borrowers who pay online are more likely to make their payments on time than those who pay by other methods.

To set up automatic payments:

  1. Go to the “Recurring Payments” section of your account.
  2. Select the amount to pay each month. 
  3. Choose the date you want payments to be made. For example, set it for 3 days before your due date.
  4. Review and submit the request.

Your monthly mortgage payment will now be paid automatically! You can cancel or change this anytime.

5. Make a One-Time Payment

If you prefer to make one-off payments each month, follow these steps:

  1. Log into your online account.
  2. Go to your account dashboard or the “Make a Payment” section.
  3. Enter the payment amount and date.
  4. Select the bank account or card to make the payment from. 
  5. Review the payment details and submit.

One-time payments give you more control if your income fluctuates month to month.

6. Confirm Your Payment

Whether making automatic or one-time payments, always confirm your payment went through successfully.

You should get an email confirmation with payment details within a few minutes.

You can also view payment history and confirm the payment posted to your account under the “Statements” section.

According to the 2023 VA Home Loan Report, online VA mortgage payments are processed faster than payments made by other methods.

7. Keep Track of Your Payments and Statements

Finally, log into your account regularly to download statements and monitor payments. Your online account gives you 24/7 access to:

  • Payment history and confirmation numbers
  • Downloadable monthly statements 
  • Tax documents
  • Interest paid year-to-date
  • Principal balance 
  • Projected escrow balance

Staying on top of your account activity ensures your payments are accurate and on time.

Paying your VA mortgage online is easy and provides many perks over other payment methods. As long as you register for an account, link a bank details, and schedule payments, you can manage your entire mortgage online securely and conveniently.

What is a VA Mortgage?

A VA mortgage is a home loan guaranteed by the Department of Veterans Affairs. Eligible borrowers can purchase a home with no down payment or private mortgage insurance.

VA mortgages help service members, veterans, and surviving spouses become homeowners. Benefits include:

  • 100% financing available 
  • No monthly mortgage insurance
  • Competitive interest rates
  • Option to finance funding fee
  • Relaxed credit guidelines 

VA loans are provided by private lenders and backed by the VA. This protects the lender from loss if the borrower defaults.

Over 2 million VA home loans have been issued, helping veterans purchase homes since 1944. VA loans help eligible borrowers buy a home sooner with greater affordability.

Why Choose a VA Mortgage?

There are many advantages to a VA-backed mortgage over conventional home loans:

No Down Payment Required

Unlike conventional loans, VA mortgages do not require a down payment. This helps borrowers become homeowners sooner without large upfront costs.

No Monthly Mortgage Insurance

Borrowers avoid paying monthly mortgage insurance that adds to the cost of the loan. This can save $100+ per month.

Lower Interest Rates

Interest rates on VA loans can be 0.5 – 1% lower than rates on conventional mortgages. This results in thousands of dollars in interest savings.

Relaxed Credit Guidelines

VA loans are available to borrowers with lower credit scores or unique credit circumstances versus conventional loans. 

No Prepayment Penalties

Borrowers can repay a VA loan early or refinance without prepayment penalties. This provides greater financial flexibility.

Overall, a VA home loan can help eligible borrowers buy a home with less money down, lower costs, and greater affordability.

What are the Benefits of Paying Your VA Mortgage Online?

Paying your mortgage online provides many conveniences over mailing in payments or paying in-person.


You can pay anytime, anywhere in just minutes right from your computer or mobile device. 


Online payments post instantly or within 1 business day, faster than mail-in payments.

Payment Tracking

Your account provides real-time payment tracking and confirmation numbers.

Account Management

You can manage your entire account including statements, tax documents, and escrow balance.


Encrypted transactions keep your financial data secure.


Online accounts allow you to project payments and schedule future transactions for easier budgeting.

Customer Support

Instant access to customer service to help with any payment issues.

Payment History

All your monthly payments are stored in your account for easy tracking and reporting.

Paying online saves time and gives borrowers more control and visibility over their mortgage account. 80% of VA mortgage borrowers who pay online say it is a secure way to pay their mortgage according to a 2023 survey.

Is it Safe to Pay Your VA Mortgage Online?

Yes, it is perfectly safe to pay your VA mortgage online. Online mortgage payments utilize the same encryption technology used by major financial institutions to protect your data.

Here are some tips for secure online mortgage payments:

  • Only pay through your mortgage servicer’s official website, not third-party sites.
  • Look for “https” in the URL and a lock icon indicating the site is secure.
  • Never share your online account password. 
  • Use strong passwords and change them periodically.
  • Set up account alerts to monitor account activity.
  • Avoid public WiFi networks when making payments.

As long as you take basic security precautions, paying online is perfectly safe. Contact your mortgage servicer if you ever suspect fraudulent activity on your account.

What Information Do You Need to Pay Your VA Mortgage Online?

To get set up for online mortgage payments, make sure you have this information handy:

  • Your mortgage loan account number
  • Amount of monthly mortgage payment
  • Bank account or credit card details
  • Social Security Number or Tax ID Number
  • Date of birth 
  • Contact information like email address and phone number

You’ll need to verify your identity by providing personal details when registering for an online account. 

Going forward, you’ll just need your username, password, and bank account or credit card number to pay each month. Store this information in a secure password manager for easy access.

Can You Make Extra Payments on Your VA Mortgage Online?

Yes, your online mortgage account allows you to make additional principal payments to pay down your loan faster. This helps you:

  • Build equity quicker in your home
  • Reduce interest paid over the life of the loan 
  • Pay off your mortgage sooner

To make an extra payment:

  1. Log into your mortgage account 
  2. Navigate to the “Make a Payment” section
  3. Enter the additional principal amount you want to pay
  4. Select a payment date and submit

There are no prepayment penalties with a VA loan. Extra payments go directly to reducing your principal balance.

Stay under your lender’s limit on additional monthly payments, usually 10-20% of your balance. Making extra payments online is a convenient way to pay off your mortgage ahead of schedule.

What Happens If You Miss a VA Mortgage Payment?

If you miss a mortgage payment, it’s important to get back on track quickly. Communicate with your lender to avoid foreclosure.

Here’s what happens if you miss a VA mortgage payment:

  • Late fees around 5% of the monthly payment
  • Missed payment reported to credit bureaus, hurting your credit score
  • After 90 days late, VA loan is technically in default 
  • Foreclosure process may begin after 6+ months of nonpayment

To avoid missed payments, set up automatic recurring payments through your online account. VA mortgage borrowers who pay online are less likely to miss payments according to a 2023 VA report. 

If you do miss a payment, contact your lender immediately to discuss repayment options. With an online account, you can easily view late notices and respond right away.

How Can You Contact Customer Service for Help with Online Payments?

If you need help with your online mortgage account, you can contact your mortgage servicer’s customer service department.

Look on your servicer’s website or monthly statement for their customer service phone number and hours. Common ways to get help include:

  • Calling the customer service line and speaking to a representative
  • Using the online chat widget on your servicer’s website
  • Emailing customer support with your issue or question

Some common reasons to contact customer service include:

  • Trouble registering or logging into your account
  • Errors in your account information or statement
  • Issues linking a bank account or card 
  • Questions about your payment history or owed balance
  • Concerns about possible fraudulent activity 

Having access to customer support is a key benefit of managing your mortgage online. Help is just a phone call or email away!