No, we do not use the postmark date from the envelope. Your payment is considered received the day it is delivered to our payment processing center or operations center.

Payments received in proper form on a business day prior to 8:00 p.m. ET will be effective dated and processed as of the date of receipt.

The CA address is our payment processing center. You may send overnight payments to our operations center at:

GMFS LLC c/o Specialized Loan Servicing
6200 S. Quebec St., Suite 300
Greenwood Village, CO 80111

Yes, please call 1-866-392-1860 to speak to a Customer Care Representative or make a payment using the automated system. Please have your bank account number and routing number available when you call.

Your payment is considered late one day after the payment due date. However, late charges are assessed in accordance with the “grace period” specified in your Note or Retail Installment Contract.

If two or more weeks have elapsed since you sent your payment, please contact our Customer Care Department with questions at 1-866-392-1860 Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.

You may set up electronic billing by logging in to your online account. In order to activate this service, the primary borrower must initiate the setup. The electronic service may take a full billing cycle to activate. You can also cancel this service using your online account, or you may contact our Customer Care Department with questions at 1-866-392-1860 Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.

A forbearance means that for a specified time period, you are not required to make your monthly mortgage payments. Additionally, during the forbearance period, you will not be assessed late fees and negative credit reporting on your account will be suspended. If you are eligible for a forbearance, you will receive a confirmation letter in the mail confirming the Forbearance Agreement (including the forbearance period). At the end of the forbearance period, any unpaid payments will become due. At that time, you will need to either pay the amount due or contact us to discuss creating a repayment plan to bring the account current or apply for a loan modification or other loss mitigation option. If you would like to apply for a payment forbearance plan, please provide limited details as to why/how your income has been impacted by COVID-19. For example, let us know if you have experienced a loss of income or employment due to COVID-19. Upon receiving this information, we will review the account for available assistance. You may request a forbearance by sending a request through the Message Center by logging into your account. Don't have an online account? Create one now to access your loan details, make payments, and get the answers you need.