Simplifying Your Mortgage Payments with Volunteer Mortgage Loan Bill Pay

Paying your mortgage each month can feel like a hassle especially if you need to mail a check, worry about it arriving on time, or keep track of due dates. That’s why Volunteer Mortgage Loan Servicing (VMLS) offers an easy bill pay option for borrowers with loans serviced by VMLS.

VMLS handles home loans for the Tennessee Housing Development Agency (THDA) as a part of THDA. VMLS’s bill pay system makes it easy for borrowers to set up automatic payments or make one-time payments online. This makes sure that your monthly mortgage payment is sent on time, so you don’t have to worry about mailing checks or keeping track of when they’re due.

In this article, I’ll explain the benefits of using VMLS bill pay and walk through how to get started. Whether you’re looking to simplify your monthly payments or just want the convenience of paying online, VMLS bill pay is a great option for THDA borrowers.

Benefits of VMLS Bill Pay

Here are some of the top reasons to use VMLS’s online bill pay for your mortgage


  • You can pay online at any time and from anywhere; you don’t have to mail or deliver payments to a physical location. VMLS’s online system is available 24/7.

  • Schedule recurring automatic payments so your mortgage is paid on time each month without having to remember payment dates.

  • Make one-time payments if you prefer not to set up auto pay. The online portal allows instant payments when needed.

Payment Flexibility

  • Ability to pay any amount toward your mortgage principal to pay down your loan faster.

  • Option to make partial payments before the due date if you need flexibility with cash flow.

  • There are several ways to pay, such as debit card, credit card, and ACH from a bank account.

Payment Tracking

  • Payment history available online so you can easily view status and confirm when payments are made.

  • Receive email confirmations when payments are processed so you have a record.

  • Account dashboard shows mortgage details like remaining principal balance, next payment due date, and amount due.


  • Secure https encrypted website to protect your financial information.

  • No checks to get lost or stolen when paying through VMLS’s online portal.

  • Peace of mind knowing your payment info is kept safe.

Customer Support

  • Contact VMLS customer service for any questions about your mortgage account or using the online payment system.

  • Team of specialists located in Nashville, TN available by phone Monday to Friday.

How to Sign Up for VMLS Bill Pay

Ready to simplify your mortgage payments? Signing up for VMLS’s online bill pay only takes a few minutes.

Step 1: Visit VMLS Website

Go to and look for the “Make a Payment” link at the top of the page. This will bring you to the login page for VMLS’s payment portal.

Step 2: Create an Account

If paying online for the first time, you’ll need to create a new account. Click “Register” and enter your loan number, name, email address, and create a password.

Step 3: Complete Registration

Check your email inbox for a verification message from VMLS and click the link to complete registration. This verifies you own the email address entered.

Step 4: Login & View Account

Use your newly created login credentials to sign in to the VMLS payment portal. You can now view your mortgage details, remaining balance, and next payment due date.

Step 5: Set Up Payment Method

To pay online, you’ll need to enter bank account information or a debit/credit card. Under the “My Profile” section, click to add a new payment method.

Step 6: Schedule Automatic Payments

If you want payments automatically drafted each month, toggle the auto pay switch under the “My Profile” section to on. Pick the date you want payments taken out monthly.

And that’s it! VMLS bill pay will now deduct your mortgage payment on the date selected so you don’t have to worry about missing payments.

Making One-Time Payments

If you prefer not to use auto pay, making one-time payments is easy through the VMLS portal:

  1. Login to your account.

  2. Under the account overview, click “Make Payment”

  3. Enter the payment amount and select a payment method added to your profile.

  4. Review payment details and click submit. Your one-time payment is complete!

One-time payments can be made up until 2pm CST for same day processing. Just be sure to schedule the payment at least few days before your due date to ensure on-time payment.

Payment Methods Accepted

VMLS offers flexibility with payment options:

  • ACH – Link your checking or savings account to transfer funds electronically. ACH transfers take 1-2 business days to process with no fee.

  • Debit Card – Pay directly from your debit card online. Payment processed same day with no fee.

  • Credit Card – Visa, MasterCard, American Express and Discover accepted with convenience fee of $4.95 per $500 paid.

No matter which option you choose, payments can be made easily online through the VMLS portal once your account is set up.

Account Management Tips

Managing your mortgage payments online helps simplify your finances. Here are some tips for getting the most out of VMLS bill pay:

  • Log in regularly to check your payment history, next due date, and balance owed.

  • Update your payment method if your account details change – just edit in your profile.

  • Review the website for announcements if VMLS has any updates to share.

  • Take advantage of paying extra principal online to pay down your mortgage faster.

  • Reach out to customer service with any questions by calling 844-865-7378 Monday to Friday.

  • Check your email inbox for payment confirmations and keep these for your records.

Why Choose VMLS for Bill Pay?

As a division of THDA servicing loans on their behalf, VMLS offers specialized support for borrowers with THDA-backed mortgages. Their online payment system is designed specifically for these types of state loans.

Key reasons to choose VMLS bill pay include:

  • Customized for THDA borrowers and loans

  • Payments credited promptly to your THDA mortgage

  • Friendly customer service familiar with THDA loan programs

  • Online account management tied directly to your loan

  • Secure website and payment processing to protect your information

If you have a mortgage through THDA, VMLS is an excellent option for simplifying payments online.

Get Started with Bill Pay Today!

Managing monthly mortgage payments doesn’t have to be a hassle. VMLS online bill pay makes it easy to pay on time, track payment history, and manage your account fully online.

To recap the process:

  1. Visit and register for online access

  2. Add your bank account or card as a payment method

  3. Turn on auto pay or make one-time payments

  4. Check your payment history and account details 24/7!

Take control of your mortgage payments today and sign up to use VMLS’s convenient online bill pay system. Their customer service team is also ready to help if you have any questions getting started.

Volunteer Mortgage Loan Bill Pay

EBilling & Presentment

Our thoughtfully designed funnel can help even the most eBilling-resistant customer make the switch. Our user-friendly options accommodate all kinds of customer preferences, driving higher digital adoption rates. And when customers choose more convenient online options, you save significant money on postage and print.


Email continues to be a dominant form of digital communication … and now customers can pay bills without exiting their inbox. We offer traditional bill-ready email that links to your site, as well as “Smart PDFs” that allow customers to pay within the PDF itself.

Introducing Volunteer Mortgage Loan Servicing


What is a voluntary mortgage payment?

Voluntary Repayment means a Borrower’s early repayment of all or part of its Principal.

Can I make my mortgage payment online?

You can make your mortgage payment through your lender’s website or mobile app, in person at a branch or by calling them. Many mortgage lenders offer a grace period of up to 15 days after the due date before charging a late fee.

How to pay off your mortgage in 5 to 7 years?

Increasing your monthly payments, making bi-weekly payments, and making extra principal payments can help accelerate mortgage payoff. Cutting expenses, increasing income, and using windfalls to make lump sum payments can help pay off the mortgage faster.

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