Cenlar FSB has served as a national loan servicing provider for over 40 years, focusing on mortgage loan servicing and subservicing as its core business. The company’s stated objective is to expand client market shares and increase loan originations while minimizing the costs and risks typically found in service operations management. As mortgage servicing experts, Cenlar describes its role as helping homeowners navigate what it identifies as one of the largest and most complex financial commitments of a lifetime, noting that homeownership often does not come with a “user’s manual.”
Managing Cenlar Mortgage Payments
For clients seeking to manage their mortgage payments, Cenlar provides several digital and physical options. The company emphasizes that its online platform is a primary tool for borrowers. To utilize the online payment system, a user must first register an account on the Cenlar.com homepage. The registration process requires the borrower to select “Contact Us” in the upper right-hand corner of the screen, click on “Borrower Log-in,” and then select “Register your account” located beneath the “Log In” box.
During registration, the system requires the user to input their last name, Social Security number or Tax ID, date of birth, and email address. After pressing “Next,” the user must enter and confirm their phone number. The system then initiates a verification process by sending a 6-digit identification code to the borrower via text, phone, or email. Once the user inputs this code and completes the verification, they must create a Cenlar online profile by choosing a username and password.
After a profile is established, a borrower can make payments online by logging into their account and selecting “Payments” at the top left-hand side of the screen. The user then selects “Make a Payment,” where their regularly scheduled payment is displayed. To complete the transaction, the borrower must enter their bank account information, including a nickname for the account, the routing number, and the account number. After clicking “Save,” the final step is to select “Submit Payment.”
Automatic Payments and Mobile Access
Beyond one-time online transactions, Cenlar offers an automatic payment option through its online portal. This feature allows a borrower’s mortgage payment to be automatically debited each month from a designated checking or savings account. Additionally, Cenlar provides a mobile app available through Google Play or the App Store. The Cenlar Mobile App allows users to make mortgage payments, check account balances, view statements, see tax payments, and sign up for automatic payments. The app also enables users to view pending payments.
Customer Support and Correspondence
For borrowers requiring assistance, Cenlar provides a toll-free customer service number at (855) 622-3195. The hours of operation for customer service are Monday through Friday from 8:30 AM to 8:00 PM ET, and Saturday from 8:30 AM to 5:00 PM ET. Borrowers may also direct questions or issues to the email address [email protected].
Specific addresses are provided for correspondence and payments. For borrower and third-party payoff requests, the company lists the number (877) 7PAYOFF or (877) 772-9633. General correspondence should be sent to P.O. Box 77404, Ewing, NJ 08628, while “Qualified Written Requests” should be directed to P.O. Box 77423, Ewing, NJ 08628.
Payment Mailing Addresses
The mailing address for mortgage payments depends on the location of the property. For properties located in the Western United States—specifically California, Alaska, Arizona, Colorado, Hawaii, Idaho, Montana, Nebraska, New Mexico, Nevada, North Dakota, Oregon, South Dakota, Utah, Washington, Wyoming, and Guam—payments must be mailed to P.O. Box 54040, Los Angeles, CA 90054-0040. For all other states, payments are directed to P.O. Box 11733, Newark, NJ 07101-4733.
Insurance and Loss Drafts
Cenlar provides distinct channels for insurance-related matters. Borrowers who receive a “lender placed insurance letter” can update their information at the website www.mycoverageinfo.com. Property insurance bills should be mailed to: MegaStar Financial Corp., ISAOA, ATIMA, C/O Central Loan Administration & Reporting, P.O. Box 202028, Florence, SC 29502-2028.
For insurance loss drafts, the company provides two options: regular mail and overnight delivery. Regular mail should be sent to the Attention of the Hazard Insurance Department at P.O. Box 202033, Florence, SC 29502-2033. Overnight deliveries should be addressed to the Attention of the Loss Draft Department at 1323 Celebration Boulevard, Florence, SC 29501.
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