Skip Navigation LinksHelp Topics > Easy Mortgage > Payments

Payments

When are my payments due and how do I make them?

You’ll need to make payments every other week (every 14 days). Bi-weekly payments reduce your balance faster and help you pay less interest. Compared to monthly payments, it adds up to making at least one extra payment a year knocking time off your loan. And since we encourage you to pay your mortgage off faster, we don’t charge you a fee like many banks to set up bi-weekly payments.

You’ll also need to make all your payments electronically. No paper checks please – this program is not designed to handle them. If we get one, we may charge $50 for each paper check payment received. Keep in mind that some bill pay services still send paper checks, and we will charge for these as well.

Can I make recurring payments on Easy Mortgage?

Yes, to save time and money you can set up an Automatic Payment Plan and have your payments regularly deducted from your external linked checking account or other Capital One 360 account. Please keep in mind it takes 2 business days to process a payment from your link. To set up your plan:

  1. Sign in to capitalone360.com with your Customer Number/Saver ID (Username).
  2. Click the 'Payments' tab and select 'Pay a Loan.'
  3. Choose your 'From Account' and select the 'Pay Bi-Weekly (recurring)' option.

It’s easy to change or discontinue your recurring payment if your needs should change down the road.

Can I extend my fixed rate period?

If your needs change and you'd like to discuss your options, give us a call at 1-800-464-9263 and a Mortgage Savings Specialist will be happy to help.

How do I provide my new Homeowner’s Insurance information?

When you update or renew your Homeowner’s Insurance Policy, you’ll need to provide us with the new information as soon as possible. To update your info, just give our Insurace department Opens a new window a call and have your policy number handy.

How do I add, change or delete an Automatic Payment Plan?

To set up an Automatic Payment Plan:

  1. Sign in to capitalone360.com with your Customer Number/Saver ID (Username) and PIN
  2. Go to the 'Payments' tab and select 'Pay a Loan'
  3. Choose your 'From Account' and select the 'Pay Bi-Weekly/Monthly (recurring)' option

To delete an Automatic Payment Plan:

  1. Sign in to capitalone360.com with your Customer Number/Saver ID (Username) and PIN
  2. Click on your mortgage from the 'My Accounts' tab
  3. Click the red “X” next to the Automatic Payment Plan you want to delete.

Please Note: If you need to edit your existing Automatic Payment Plan, just give us a call at 1-866-509-3906 and an Associate will help you out.

What should I do if I'm unable to make my mortgage payments?

We understand the importance of homeownership and that sometimes unexpected events can happen. We're here to help. We have a team dedicated to helping homeowners in real financial distress. We'll look at your current situation and work with you to find the best possible solution.

Give us a call at 1-877-230-8516 Monday through Thursday from 8 AM to 11 PM ET, Friday from 9 AM to 6 PM ET or Saturday from 9 AM to 1 PM ET.

Easy Mortgage

Products and services offered by Capital One 360, a division of Capital One, N.A., Member FDIC.
© 2014 Capital One. All rights reserved.