Making your monthly mortgage payment probably doesn't top your list of favorite activities but it's certainly a task you don't want to overlook. After all, your home is likely your largest financial investment and with each payment you make you're building equity in your home, which can be a powerful way to build wealth over your lifetime.
At Amerifirst, we offer several easy, convenient and secure ways for you to pay your mortgage. Let's take a look at your options:
Set up monthly payments as an automatic debit from your checking or savings account. At Amerifirst, you can choose to have the reoccurring draft occur each month on any of the following dates:
Please Note: We do not offer an option to draft the payment by-weekly, nor do we offer any other type of bi-weekly mortgage payment program.
Pros: Once you have your automatic draft set up, you don't have to take any additional actions. Your mortgage gets paid automatically so you can go on vacation or unplug completely and you don't have to worry about it.
Cons: You need to make sure the money is in your account and available for withdrawal every month. If not, look out for those overdraft fees.
In addition to viewing your up-to-date loan information and payment history, you can also make your payment online at www.amerifirst.com. You'll just need to register for a username and password. Through our secure site you can go online 24/7 to make a payment using your checking or savings account information. Payments submitted online prior to 10:00 pm, Monday - Friday, are processed and applied to the loan the same business day.
Pros: Going to our website and paying your mortgage puts you in control of the timing which might better accommodate your budget.
Cons: This is one more thing you have to remember to do each month.
Amerifirst mobile app
You can use the Amerifirst app to make loan payments, explore various “what-if” scenarios around payment options, receive notifications about your loans, and get info on estimated home values and neighborhood statistics. You can date your mortgage payment for the current date (prior to 10 pm Monday - Friday) or any date up to 30 days in the future.
- Download the app: Amerifirst Home Mortgage at the Apple App Store or Google Play Store.
- Enter personal information
- You’ll be automatically connected to your active or recently active Amerifirst loans
Pros: As in all things mobile, paying with the Amerifirst app is easy, convenient, and secure.
Cons: Once again, you have to remember to do it every month by the deadline.
Our Customer Care Department is happy to take your payment by phone. We can take a payment using the routing and account number from your checking or savings account (we do not accept credit or debit cards). Payments made by phone are posted to your account the same day. Our Customer Care Department can be contacted at 844-814-7788 from 8:00 am to 7:00 pm, Monday - Friday. Please note: there is a $15 charge for this service (all other options are free). SPECIAL NOTE: We will be waiving the customary $15 phone fee through April 30th, 2020.
Pros: Making a mortgage payment over the phone can help you avoid paying a late fee, especially if you forget to mail in your payment before the deadline or have not set up a payment process online.
Cons: There is a $15 fee for this service.
As always, we accept checks or money orders via mail. For your convenience, we send out monthly billing statements with detachable payment coupons and return envelopes that you can use to mail in your payment. All payments received by mail are posted to your account on the day that they are received. We will not hold postdated checks, or effective date payments according to postmark.
Pros: Sending in your payment the old-fashioned way is a good option. Just write your check, include the payment coupon in the return envelope, and drop it in the mail.
Cons: Sending a payment by mail means you have to take into account the time it takes to mail your payment. You'll want to put it in the mail several days before the due date, which can sometimes be a gamble.
Do you know about our e-statements? We can send your monthly statement to your e-mail address as soon as its available. You may prefer an e-statement as it provides you with immediate access to your account information. You can easily activate your e-statement by logging into your account on our website.
If you live in Kalamazoo, Michigan where our Home Office headquarters is located, you are welcome to drop by our office (Monday - Friday, 8:00 am - 5:00 pm) to pay your bill with a check or money order:
Amerifirst Home Mortgage
950 Trade Centre Way
Kalamazoo, MI 49002
Pros: You can control the date you pay your mortgage. You're also getting exercise (especially if you take the stairs up to our 4th floor office!).
Cons: Paying in person is time-consuming and maybe a bit of a hassle.
Visit our Customer Care page to get answers to your most frequently asked questions or talk with one of our Customer Care Specialists by calling 844-814-7788, Monday-Friday, 8:00 am - 7:00 pm.
If you're having trouble paying your mortgage, please reach out to our Payment Assistance team. We can help!