Frequently Asked Questions (FAQs)
If you have questions about your loan with RANLife Home Loans and would like to speak to someone, please give us a call at (877) 845-2854. Our team members are available Monday – Friday 8:00 am – 9:00 pm ET and Saturday 8:00 am – 12:00 pm ET to help you.
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So many ways to pay
Help me set up autopay
News Flash: 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.
Help me link my bank account
Don’t know your account number and routing number? You can most likely find it by signing into 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.
How can I pay by mail?
We also accept payments via the USPS mail: paper mail. Just write your loan number on a check or money order payable to 'RANLife Home Loans.' 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:
RANLife Home Loans
ATTN: Payment Processing
P.O. Box 650094
Dallas, TX 75265-0094
RANLife Home Loans
3138 E. Elwood St Phoenix, AZ 85034
Go to MoneyGram locations to find a location near you.
Can I make a one-time payment online?
Can I make a one-time payment by phone?
When are my payments due?
I need to make a late payment
If you're not able to make your payment on time this month, we understand, it happens sometimes.
Please give us a call at 877-845-2854 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.
What exactly is a grace period?
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 to have late applied to their monthly payment amount.
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 Customer Care dept at 877-845-2854. 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.
Can my autopay or payment change?
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 Escrow Frequently Ask Questions.
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 Customer Care Dept at 877-845-2854 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.
Can I change my autopay settings?
What happens if my reoccurring payment is scheduled on the weekend or a holiday?
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.
Check out the complete list of observed holidays below.
New Year's Day
Martin Luther King Jr.'s Birthday
Post Dated Checks
MoneyGram and Cash Payments
Go to MoneyGram locations to find a location near you. To submit your payment with MoneyGram, utilize: Receiver Code #15543-Servicing Division, provide your loan number and use location: Meriden, CT
Please do not send cash. We are unable to accept Cash for your payments and ask that in all cases you refrain from sending Cash. If you need to use Cash to make your monthly mortgage payment, please visit your local money gram location. A fee may apply.
If funds are sent without specifying how additional funds should be applied, funds will be processed based on the following payment hierarchy: Any outstanding payments due to bring your loan current, one additional prepaid monthly payment, outstanding late fees (except in NY), outstanding bank return fees, other outstanding fees, escrow advances, corporate advances, principal reduction. (Need to review to ensure that this is correct)
*Please note, based on your loan status a different payment hierarchy may apply.