How to access your Newrez account and pay your mortgage
Newrez is a mortgage servicer that handles loan payments for homeowners. To make a payment on your Newrez mortgage, you log in through their online portal using your username and password, then navigate to the payment section. You can pay a one-time amount, set up automatic payments, or make extra principal payments depending on your loan terms.
The login process takes about two minutes if you already have an account set up. If you're a new customer or have never logged in before, you'll need to register first — Newrez calls this "enrolling" in their online services.
Key Takeaways
- Go to Newrez.com and click "Login" in the top right corner to access the borrower portal with your username and password.
- New users must enroll first by providing their loan number, Social Security number, and email address to create login credentials.
- Once logged in, select "Make a Payment" and choose between a one-time payment, automatic recurring payments, or extra principal payments.
- Newrez accepts payments by bank account transfer (ACH), debit card, or credit card, though card payments may carry a processing fee.
- Payments typically post within one to two business days, though the exact timing depends on the payment method you choose.
Steps to log in to your Newrez account
Start by opening a web browser and going to Newrez.com. In the top right corner of the homepage, you'll see a "Login" button. Click it to reach the borrower portal login page.
Enter your username in the first field and your password in the second. If you've forgotten either one, Newrez provides a "Forgot Username?" or "Forgot Password?" link on the same page. Click the link that matches what you need, and Newrez will send you a reset email or recovery instructions to the email address on file with your account.
After you enter your credentials correctly, click "Sign In." You should see your loan summary page within a few seconds. If you see an error message, double-check that you typed your username and password exactly as they appear — passwords are case-sensitive, meaning capital and lowercase letters matter.
How to enroll if you don't have a Newrez login yet
If you're a Newrez customer but have never created an online account, you'll need to enroll before you can log in. Go to Newrez.com and click "Enroll" instead of "Login." This option is usually near the login button.
The enrollment form asks for your loan number, the property address associated with your loan, your Social Security number, and your email address. Newrez uses this information to verify that you own or are responsible for the loan. Have your loan documents nearby so you can enter the loan number correctly — it's usually a 10 to 12-digit number printed on your mortgage statement.
After you submit the enrollment form, Newrez sends a confirmation email to the address you provided. Open that email and click the link inside to complete enrollment. You'll then create a username and password for future logins. Write these down or save them in a password manager so you don't lose them.
Making a one-time payment through Newrez
Once you're logged in, look for a "Make a Payment" button or link on your loan summary page. Click it to open the payment screen.
You'll see your current loan balance and the amount due. Newrez lets you pay the full amount due, a partial amount, or more than the minimum. Enter the dollar amount you want to pay in the payment amount field. If you want to pay extra toward principal, some loans allow you to specify that — check the payment screen to see if that option appears for your loan.
Next, choose your payment method. Newrez accepts payments from a bank account (called ACH or electronic check), debit card, or credit card. Bank account transfers usually have no fee. Debit and credit card payments may carry a processing fee of 2 to 3 percent of the payment amount, though this varies. The payment screen will show you any fee before you confirm.
If you choose a bank account, enter your routing number and account number. You can find these on a check from that account or by logging into your bank's website. If you choose a card, enter the card number, expiration date, and CVV (the three-digit security code on the back). Review all the details, then click "Confirm" or "Submit Payment."
Setting up automatic monthly payments
If you want Newrez to withdraw your payment automatically each month, look for an "Autopay" or "Automatic Payment" option in the payment section. Click it to set up recurring payments.
You'll choose the payment amount (usually the full monthly payment due), the payment method (bank account, debit card, or credit card), and the day of the month you want the payment to come out. Most borrowers choose the day their paycheck arrives or a few days before their mortgage is due.
Once autopay is active, Newrez withdraws the payment on that date every month without you having to log in again. You can change the payment amount, pause autopay, or cancel it anytime by logging back into your account and editing your autopay settings. If you cancel, you'll need to make manual payments again.
Payment methods and processing times
Newrez accepts three ways to pay: bank account transfer (ACH), debit card, and credit card. Each has different timing and costs.
Bank account transfer (ACH): This is the most common method and usually has no fee. The payment takes one to two business days to post to your loan. You'll need your routing number and account number from your bank.
Debit card: Payments post within one business day. Newrez may charge a processing fee of 2 to 3 percent of the payment amount. You'll need the card number, expiration date, and CVV.
Credit card: Payments post within one business day. Credit card payments usually carry a higher processing fee than debit cards — often 3 to 4 percent. Some borrowers use this method to earn credit card rewards, but the fee may offset the benefit.
Business days are Monday through Friday, excluding federal holidays. If you submit a payment on a weekend or holiday, it typically processes on the next business day. Newrez's payment important date is usually the 15th of the month to avoid a late fee, though your specific due date is printed on your mortgage statement.
Troubleshooting common login and payment issues
If you can't log in, the most common cause is a typo in your username or password. Passwords are case-sensitive, so check that Caps Lock is off and try again. If you still can't log in after two or three attempts, use the "Forgot Password?" link to reset it.
If you see a message that your account is locked, you may have entered the wrong password too many times. Wait 15 to 30 minutes and try again, or use the password reset link to unlock your account.
If a payment fails to go through, check that your bank account or card has sufficient funds and that the account is active. If you're using a bank account, confirm that the routing number and account number are correct — a single digit wrong will cause the payment to fail. Contact your bank if you're unsure about these numbers.
If you see an error message during payment, take a screenshot of it and contact Newrez customer service. They can tell you whether the issue is temporary or whether something is wrong with your account or payment method.
Frequently Asked Questions
What if I don't remember my loan number?
Your loan number is printed on your mortgage statement, which Newrez mails to you monthly. You can also call Newrez customer service at the number on your statement, and they'll provide it over the phone after verifying your identity with your Social Security number and address.
Can I pay my Newrez mortgage by phone or mail?
Yes. You can call Newrez's payment line to make a payment by phone using a bank account or card. You can also mail a check to the address printed on your mortgage statement. Online payment is fastest because it posts within one to two business days, while mailed checks take longer to process.
Is there a fee to pay online with Newrez?
Bank account transfers have no fee. Debit card payments usually cost 2 to 3 percent of the payment amount, and credit card payments usually cost 3 to 4 percent. The payment screen shows the exact fee before you confirm, so you know the cost before you pay.
What happens if I pay late?
If your payment posts after your loan's due date, Newrez may charge a late fee. The amount varies by loan but is typically 4 to 5 percent of your monthly payment. Your mortgage statement shows your exact due date and late fee amount. If you're going to be late, contact Newrez to discuss options.
Can I change my payment amount or cancel autopay?
Yes. Log into your Newrez account, go to the autopay section, and edit or cancel your recurring payment. Changes usually take effect within one to two business days. If you cancel autopay, you'll need to make manual payments again each month.