Struggling to Pay Your Everhome Mortgage? Here’s Help

As a homeowner with a mortgage from Everhome, I know how stressful it can be trying to keep up with monthly payments Especially during tough economic times or if you’ve had an unexpected life event, making that payment on time every month can feel impossible. But you have options – don’t panic!

In this article I’ll walk through some tips on how to pay your Everhome mortgage online or over the phone. I’ll also share resources Everhome offers if you’re having trouble making payments including hardship assistance programs.

Logging In to Pay Your Everhome Mortgage Online

Paying your mortgage online through Everhome’s website is usually the fastest and easiest way to make sure they receive your payment on time each month. Here’s how to log in and submit your payment:

• Go to www.everhomeservices.com/login
• Enter your Everhome username and password and hit “Log In”
• From your dashboard, select “Make a Payment”
• Enter the amount you’d like to pay – whether it’s the full monthly payment or a different amount
• Enter your payment information and submit

Once you hit submit, your payment will be processed instantly (yay 21st century!). You’ll receive a confirmation email from Everhome for your records.

If you prefer, you can also set up autopay directly through your Everhome account so your monthly mortgage payment is automatically deducted from your bank account. Just toggle on auto-pay settings under your profile.

Paying Your Everhome Mortgage by Phone

If you need some hand-holding or have questions about your account, paying over the phone is easy too. Just call Everhome’s loan care and servicing team at 1-800-555-7890 Monday to Friday from 8 AM – 8 PM.

When prompted, select the “Make a Payment” option and be prepared to provide your Everhome account number. An associate can walk you through making a one-time payment or discuss autopay options.

They can also answer any questions about your account, recent statements, payment history if you’re unsure how much is currently due for your mortgage payment, late fees, etc. Don’t be shy to ask – they are there to help!

What If I Can’t Pay My Everhome Mortgage Payment?

Sometimes stuff happens – job losses, medical issues, family emergencies. If you’ve missed a mortgage payment (or several) and are struggling to catch up, take a breath. Everhome has programs in place to provide hardship assistance rather than immediately pursuing foreclosure.

Here are some relief options to consider if you can’t pay your mortgage:

• Forbearance – This allows you to temporarily pause or reduce mortgage payments for up to 12 months. You’ll still owe the missed/reduced payments eventually, but it gives breathing room.
• Loan modification – Everhome can modify the terms of your loan to make payments more affordable, e.g. extending the repayment timeline.
• Partial claim – If you’ve missed payments due to hardship, Everhome may offer an interest-free loan to bring your mortgage current. It’s repaid when you sell the home or refinance.
• Short sale – As a last resort if keeping the home isn’t feasible, this allows you to sell the home for less than what you owe on the mortgage. Everhome forgives the remaining balance so you avoid foreclosure.

If any of these options might help provide some relief, start by calling Everhome’s hardship assistance line at 1-800-555-7891. Explain your situation and what type of support you need. They’ll help assess all options for your unique situation.

The key is being proactive and reaching out for help as early as possible once you start struggling with payments. The sooner Everhome understands what you’re facing, the more tools they have to get your mortgage back on steady footing without intense credit damage or foreclosure.

Some Friendly Advice from Someone Who’s Been There

As I mentioned earlier, I’ve faced some pretty hairy situations trying to pay my mortgage over the years too. Here’s my best advice after coming out the other side:

• Track your finances – Understanding exactly where your money is going every month can help you find areas to cut back if needed to prioritize the mortgage payment. Every little bit counts!
• Communicate with Everhome – They can’t help or provide relief if they don’t know you’re struggling. I learned this lesson the embarrassing hard way after avoiding them for months.
• Consider downsizing – This one hurts if you love your home. But if you’re consistently barely scraping by with payments while draining savings, it may make sense to downsize to a more affordable living situation. Depends on your unique circumstances.
• Don’t panic prematurely – Easier said than done of course! But until or unless you’ve spoken with Everhome about relief options, assume solutions exist. Stress compounds problems – try to make level-headed choices.

I hope some of this advice provides a helpful starting point if you’ve found yourself worrying about how to pay your Everhome mortgage on time lately. And remember – you got this! It may take some work and lifestyle adjustments, but there ARE always options. Now get to it!