Learn more about Mortgage Relief Resources

How Do I Pay My Mortgage?

At Virginia Housing, we want to make it as easy as possible for you to pay your mortgage. Here are your payment options:

Mortgage Payment Options

  • Manage and Pay Your Mortgage Online

    View all mortgage information, make payments, set alerts and more via our online portal.

    Learn how to make an online payment. Watch video.

  • Quick Pay

    Just need to make a payment? Use our quick pay option.

  • Enroll in Automatic Payments

    Download, print and complete an authorization form and send it, along with a voided check or savings deposit slip to:

    Virginia Housing
    Attn: ACH
    P.O. Box 4549
    Richmond, VA 23220-8549

    You can choose a date between the 1st and 15th of the month for your automatic withdrawal.

  • Download Our Mobile App

    Manage your mortgage on the go. Visit iOS or Android app stores and search for Virginia Housing Mortgage App.

    You’ll have access to:

    • Loan information
    • Payment history and scheduling
    • Uploading payment accounts (bank and debit cards)
    • Alerts and notifications
  • Pay by Mail

    If you prefer to pay by mail, we can provide either an annual payment coupon book or a monthly billing statement with a coupon attached. Please be sure that:

    • Your loan number is written on your check.
    • Your check is accompanied by the appropriate month’s coupon. Payments not received with a coupon will be applied at Virginia Housing’s discretion.*
    • If you’re paying more than the required amount, specify on the coupon how the extra amount is to be applied. Extra money sent, but not specified on the coupon, will be applied at Virginia Housing’s discretion.*

    *Requests to change the way funds have been applied will be honored only if the request is received in the same month the payment was applied.

    Please mail your payment to:
    Virginia Housing
    P.O. Box 79748
    Baltimore, MD 21279-0748

Contact us

Loan Servicing Department

Toll free: 800-235-6938
Local: 804-783-6729



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