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GMAC Mortgage OnLine Payment Services Demo

Frequently Asked Questions

Q: What does OnLine Payment allow me to do?

A: You can:

View Your Mortgage Account Statement

Payment Services

Enroll in OnLine Payment
Enroll an additional Mortgage Account
De-Enroll an Account
Make a Payment Today
Schedule a Payment for the Future
Modify a Pending Payment
View Payment Status

Update Profile

Change email Address
Change Banking Information
Change Password

OnLine Demo

Q: When will payment(s) post to my account?
A: Payments will post to your account on the day you have scheduled unless you are scheduling a payment past the cutoff time of 8:30 p.m. EST.

Q: What is the cutoff time for entering payments?

A: The cutoff time is 8:30 p.m. EST. Payments scheduled after 8:30 p.m. EST or on weekends and holidays will be sent the next business day.

Q: When will GMAC Mortgage deduct the funds from my account(s)?
A: The funds will be deducted within two business days of the payment posting to your GMAC Mortgage account.

Q: Is OnLine Payment secure?
A: The security of our customers' accounts is our top priority. GMAC Mortgage encrypts online information and we also require each customer enrolling in our program to have a unique password.

Q: Can I use OnLine Payment Services if I am outside of the United States?
A: Online access outside of the United States will be allowed as long as your bank/savings account is in the United States and you have access to the web.

Q: Can I view my OnLine Payment History?
A: OnLine Payment Services allows you to view up to 6 months of account history and 6 months of your Monthly Account Statement.

Q: Can payments be cancelled?
A: Payments can be cancelled up until 4:30 p.m. EST on the day a deduction is scheduled to be completed.

Q: Can future payments be scheduled?
A: Future payments can be scheduled up to 6 months in advance. If a payment change occurs due to an escrow or principal and interest adjustment, an email will be sent advising you to complete an adjustment on your next scheduled amount.

Q: How will I know my payment was received?
A: You will receive an email when your payment is applied to your GMAC Mortgage accounts. Also, the Payment History OnLine will reflect a 'Completed' status.

Q: How do I change my payment amount?
A: To change the payment amount, access the OnLine Service Home Page and select Modify a Pending Payment.

Q: If a payment is cancelled, how will I know a payment was not sent?
A: If you cancel a payment your payment status on the history will reflect 'Cancelled.'

Q: What date do I put in the scheduled date field?
A: For On Demand payments the date you enter on the Schedule Payments screen should be the date you would like the payment to post to your mortgage accounts.

Q: What accounts can I use to pay my mortgage?

A: You can use either your savings, checking, or money market accounts. Credit card payments will not be accepted.