testWe’re happy to offer several payrific ways to pay, including online, Mobile App, mail and phone. However, we don’t have coupon books or allow your payments to be delivered via credit card, singing telegram, and message in a bottle—but we’re sure you’ll find the option that works best for you.

Auto Pay is a great way to pay because it automatically deducts your monthly payment on the same exact date each month. You can choose where you’d like your payment deducted from: checking or savings. And you can choose the date you’d like your payment made on: from the 1st to the 14th of each month. It’s totally up to you! By the way, we get lots of inquiries about making mortgage payments via credit cards, but that’s simply not an option.

News Flashtastic: AutoPay is free, simple to set up, and you can cancel it anytime. If you’re not already logged in, get started by clicking here.

All you have to do to set up AutoPay or make a one-time online payment is log into your TMS account and enter your preferred checking or savings account info. Click here to log in to your TMS account.

Don’t know your account number and routing number? You can most likely find it by signing in to your personal bank account on your financial institution’s website. Also, for checking accounts, the account and routing numbers can be found at the bottom of your checks.

The TMS Happinest Mobile app is your private and secured way to view and manage your accounts at your convenience. It’s appsolutely apptastic! Download here.

What’s so Apptastic about our app?

It’s Payrific: Make a payment. Manage payment methods. View loan balance and next payment due. 

It’s Doctacular: Upload documents. View transactions. Enroll in paperless and view mortgage statements.

It’s Notifibration: Get notifications, including when statements are ready, payments are due, payments are late, and payments are made.

We also accept payments the good ol’ fashioned way: paper mail. Just write your loan number on a check or money order payable to “TMS.” Then remove the detachable coupon at the bottom of your most recent statement and slip it, along with your check or money order, into an envelope addressed to the below address. Misplaced your coupon? No worries, as long as your loan number is on your check or money order, we’ll be able to process it.

First Class Mail:
The Money Source Inc.
ATTN: Payment Processing
P.O. Box 650094
Dallas, TX 75265-0094

Overnight Mail:
The Money Source Inc.
ATTN: Cashiering
3138 E. Elwood St.
Phoenix, AZ 85034

MoneyGram:
Go to MoneyGram locations to find a location near you.

All you gotta do now is put a stamp on it. And that’s mailtastic!

If you’re in a situation that’s thrown your usual payment routine out of whack—for example, you’re about to be vacationing, just chillin’ on the beach—you can set up a non-recurring one-time payment before you leave. If you’re not already logged in, get started by clicking here.

If your computer is on the fritz, or if you’ve emptied every drawer and found exactly zero stamps, then maybe it’s time to consider pay-by-phone. You’re just going to need your account number and the last four digits of your Social Security number.

Then call 866-867-0330 and follow the instructions to make an automated phone payment. Or, if you’re hankering to speak to a CAREologist, they’re more than happy to help you. Just follow the prompts to make a payment the way that works best for you.

News Flashtastic: A convenience fee of up to $12 may apply.

This is an easy one. You can find your monthly payment due date in your mortgage agreement. Most mortgage agreements state a 1st of the month due date.

If you’re not able to make your payment on time this month, we understand, it happens sometimes.

Please give us a call at 866-867-0330 and let us know. We are always there for you to do everything we can to understand your situation and work out an arrangement that works best for you (and the sooner you call, the more we can help).

We’re your homeownership partner, and we want you to know that you’re never on your own.

A little bit of grace can go a long way, and we understand that. Your grace period is a specific number of days after your official due date—during this time you can make a payment without it being considered “late”.

If you make your payment after your grace period, it may pick up some late fees. And nobody wants those—they’re icky.

Most late charges are assessed after the close of business on the 16th of each month. If the 16th falls on a weekend or holiday, late charges are assessed after the close of business on the next business day. (See your mortgage agreement or your monthly billing statement for your loan’s specific late fee and grace period).

If you’re uncertain if you’ll be able to make your payment before the end of your grace period, please call our CAREologists at 866-867-0330. We are always there for you to do everything we can to understand your situation and work out an arrangement that works best for you.

It’s possible it could change. The things that could affect the amount you owe each month are: a change in your rate (a recent ARM adjustment); a loan modification; or an escrow payment change. If you’re interested in learning how Escrow can change your payment, check out our Happy Hub blog on Escrow here.

But breathe a sigh of relief, if the amount you owe does change, we’ll adjust your payment accordingly in order to cover it. And, of course, we’ll be sure to notify you right away.

If you have an ARM loan, you’ll be notified by letter before any changes go into effect. Depending on the specifics of your mortgage agreement, your monthly payment amount could increase or decrease.

Of course, if the change causes an increase in your payment amount that you believe will be difficult for you to manage, please call our CAREologists at 866-867-0330 right away. We are always there for you to do everything we can to understand your situation and work out an arrangement that works best for you.

Changing your settings is a piece of cake. If you want to change the date, bank account, or amount (by removing or adding additional principle), just click here to cancel your existing Autopay and set up a new one with your new settings.

If your payment arrives on a weekend or one of the holidays below, it will post to your account the next business day that we’re back in the office.

Although we do not observe National Sticker Day, Opposites Day, or Popcorn Lovers Day (at least not yet!), we do observe quite a few U.S. holidays. Check out the complete list below.

∙ New Year’s Day
∙ Martin Luther King Jr.’s Birthday
∙ Presidents’ Day
∙ Memorial Day
∙ Independence Day
∙ Labor Day
∙ Thanksgiving Day
∙ Christmas Day