Newrez login and payment basics
Newrez is a mortgage servicer that handles loan payments for borrowers whose mortgages it owns or services. To make a payment through Newrez, you log in to your account on their website or mobile app, navigate to the payment section, and choose your payment method — bank account, debit card, or credit card. The process takes about five minutes once you have your account credentials.
Newrez services mortgages across the United States and acquired a large portfolio of loans from other servicers in recent years. If your mortgage statement shows Newrez as your servicer, or if you received a loan transfer notice from another company to Newrez, you will use their system to make payments going forward.
Key Takeaways
- You can log in to Newrez through their website at newrez.com or through their mobile app, using your loan number and password.
- One-time payments can be made when ready through bank transfer, debit card, or credit card, with different processing times for each method.
- Automatic payments (autopay) can be set up to deduct your monthly payment from a bank account on a date you choose each month.
- If you do not have login credentials yet, you will need to register on the Newrez website using your loan number and other identifying information.
- Payment important date and grace periods depend on your loan documents, but Newrez typically reports late payments to credit bureaus after 30 days past due.
Creating your Newrez account if you are new to the servicer
When your loan transfers to Newrez or you become a new borrower with them, you do not automatically have login credentials. You must register on the Newrez website before you can make payments online.
Go to newrez.com and look for a "Register" or "New User" link on the login page. You will need your loan number (found on your mortgage statement), your Social Security number, and your date of birth. Newrez will verify this information against their records. Once verified, you create a username and password, and your account is active.
If you have trouble locating your loan number or do not receive a confirmation email after registering, contact Newrez customer service at 1-833-NEWREZ1 (1-833-639-7391) or through their website's contact form. Wait times can be long during business hours, so calling early morning or late afternoon often connects you faster.
Logging in and navigating to the payment screen
Once your account is set up, go to newrez.com and enter your username and password on the login page. If you have set up two-factor authentication (which Newrez offers as an optional security feature), you will receive a code via email or text message after entering your password. Enter that code to complete login.
After logging in, your dashboard shows your loan balance, next payment due date, and payment history. Look for a button or link labeled "Make a Payment," "Pay Now," or "Payments" — the exact wording varies slightly depending on when Newrez last updated their website. Click it to proceed to the payment entry screen.
The payment screen displays your current loan balance, the amount due, and the due date. You can choose to pay the full amount due, the minimum payment, or a custom amount. Enter the amount you want to pay and select your payment method.
Payment methods and processing times
Newrez accepts three main payment methods for one-time payments: bank account (ACH transfer), debit card, and credit card. Each has different processing times and may carry different fees.
Bank account (ACH): You provide your routing number and account number, and Newrez pulls the payment from your checking or savings account. This method is free and typically processes within one to two business days. If you schedule a payment for a future date, Newrez will deduct it on that date. This is the fastest and cheapest way to pay.
Debit card: You enter your debit card number, expiration date, and CVV. Debit card payments process within one business day and carry no fee from Newrez, though your bank may charge a fee for the transaction (rare, but possible). Debit payments are faster than ACH but slower than credit card payments.
Credit card: You enter your credit card details. Credit card payments process when ready or within hours, but Newrez charges a convenience fee — typically 2.5% to 3% of the payment amount. This fee is added to your payment, so a $1,500 payment might cost you $1,537.50 to $1,545. Credit card payments are the fastest but the most expensive.
Setting up automatic payments (autopay)
If you want your mortgage payment deducted automatically each month, you can set up autopay through your Newrez account. This ensures you never miss a payment important date, though you remain responsible if the payment fails due to insufficient funds or a closed account.
In your account dashboard, look for "Autopay," "Automatic Payments," or "Recurring Payments." Select this option and choose the payment method (bank account only — autopay does not work with credit or debit cards). Enter your bank routing and account number, then select the day of the month you want the payment deducted. Most borrowers choose a date shortly after they receive their paycheck.
You can change or cancel autopay at any time through your account settings. If you cancel, you will need to make manual payments going forward. If your bank account changes, update it in your Newrez account when ready to prevent payment failures.
What happens after you submit a payment
After you submit a payment, Newrez displays a confirmation number on screen and sends a confirmation email to the address on file. Keep this confirmation number in case you need to dispute the payment or verify it was received.
The payment then enters the processing queue. Bank account payments take one to two business days; debit card payments take one business day; credit card payments process within hours. During this time, the payment is in transit and has not yet been applied to your loan.
Once processed, Newrez applies the payment to your loan account. Your next statement will reflect the payment and show your updated balance. If you paid more than the amount due, the extra goes toward your next month's payment or can be held as a credit on your account, depending on your loan terms.
If a payment fails — for example, because your bank account has insufficient funds — Newrez will attempt to reprocess it or notify you of the failure. Check your email and your account dashboard regularly after submitting a payment to confirm it went through.
Troubleshooting login and payment problems
If you forget your password, click "Forgot Password" on the Newrez login page. You will receive an email with a link to reset it. If you do not receive the email within a few minutes, check your spam folder or try again.
If you cannot log in even after resetting your password, or if you see an error message during payment, try clearing your browser's cache and cookies, then logging in again. If the problem persists, use a different browser or device. If it still does not work, contact Newrez customer service.
If a payment fails or is rejected, Newrez will send you a notification explaining why. Common reasons include insufficient funds, an expired card, or a mismatch between the name on your account and the name on your payment method. Fix the issue and resubmit the payment as soon as possible to avoid late fees or credit reporting.
If you believe a payment was deducted from your account but did not appear on your Newrez statement, do not assume it was lost. Bank transfers can take several days to post. Wait three to five business days, then log in and check your statement again. If it still does not appear, contact Newrez with your confirmation number.
Frequently Asked Questions
Can I pay my Newrez mortgage by phone or mail?
Yes. You can mail a check to the address on your mortgage statement, and it will be processed within five to seven business days of receipt. You can also call Newrez customer service to make a payment by phone using a bank account or debit card, though phone payments may carry a small fee. Online payment is faster and free (unless you use a credit card).
What if I pay late — will it hurt my credit?
Newrez typically reports late payments to credit bureaus after 30 days past due. A payment made 29 days late will not appear on your credit report, but one made 31 days late will. Even one late payment can lower your credit score by 50 to 100 points. Contact Newrez when ready if you cannot pay on time to discuss options.
Do I have to use Newrez's website to pay, or can I pay through my bank?
You can pay through your bank's bill pay system if your bank supports it. Log into your bank's website, set up Newrez as a payee using the address on your statement, and schedule a payment. Your bank will mail a check on your behalf. This method takes longer (seven to ten business days) but works if you prefer not to use Newrez's website.
What is the difference between the amount due and the total balance?
The amount due is your monthly mortgage payment plus any late fees or escrow adjustments owed this month. The total balance is the entire remaining principal on your loan. You only need to pay the amount due each month. Paying more than the amount due reduces your principal and can shorten your loan term.
Can I set up autopay with a credit card?
No. Newrez's autopay system only works with bank accounts. If you want to use a credit card, you must make manual payments each month through the website or by phone. Autopay with a bank account is free and automatic, while credit card payments charge a convenience fee each time.