PROGRAMS

Payment Options for MLCC Clients

Merrill Lynch offers you several convenient payment options, including online payments and direct debit (ACH).


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

Questions     Call (888) 412-8625 for questions about payments for 1st mortgages.

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.

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

Questions Call (877) 461-2437 for questions about payments for home equity credit lines.

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.

Construction-to-Perm Once Converted to Permanent

All Payments

See information for first mortgages and Home Equity Credit Lines above.


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