Have you been trying to figure out how to make your mortgage payment to Seterus online? Maybe you’ve noticed something seems different when you try to login to your account? Well, I’ve got news for ya – things have changed, and I’m here to walk you through exactly what happened and what your options are now
As someone who’s spent way too many hours researching mortgage servicers (don’t ask why it’s a long story!) I can tell you that navigating these changes can be confusing. But don’t worry – we’ve got this!
What Happened to Seterus?
First things first if you’re looking for Seterus online bill pay you should know that Seterus, Inc. no longer exists as it once did. In 2019, Seterus was acquired by Nationstar Mortgage LLC, which operates as Mr. Cooper. Later, many Seterus accounts were transferred to Select Portfolio Servicing (SPS).
This means that if you had a mortgage serviced by Seterus, your loan servicing has likely been transferred to SPS. This explains why you might be redirected to the SPS website (spservicing.com) when trying to make your payment.
How to Pay Your Former Seterus Mortgage Online Through SPS
If your mortgage has been transferred to SPS, here’s how you can make payments online:
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Visit the SPS Website: Go to www.spservicing.com
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Sign In or Create an Account:
- If you’re a new user, click on “NEW USER SIGN UP”
- If you’re returning, select “Customer” under “Select User Type” and enter your username and password
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Access Payment Options: Once logged in, navigate to the “Payment” section in your dashboard
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Make Your Payment: Follow the prompts to complete your payment
Can’t remember your login details? No problem! Just click on “Forgot User Name / Password?” on the login page and follow the instructions.
Payment Options Available Through SPS
SPS offers several ways to pay your mortgage:
- Online Payments – The quickest and most convenient option
- Mobile App Payments – Pay on-the-go from your smartphone
- Phone Payments – Call 1-800-258-8602 to make a payment
- Mail Payments – Send checks to their payment processing address
What About the Seterus F004F Form?
If you’re looking for the Seterus F004F form, it appears to be a financial statement and hardship review form. According to the information available on PDFfiller, this form typically asks for:
- General information (name, loan number, SSN, address)
- Financial information
- Hardship details
This form was likely used for borrowers seeking mortgage assistance or loan modifications. If you’re experiencing financial hardship, you can now request assistance directly through SPS by:
- Logging into your SPS account
- Navigating to the “Request Assistance” section
- Selecting “Request For Mortgage Assistance”
Alternative Bill Pay Solutions: Considering Ceterus
While researching Seterus bill pay options, I came across Ceterus (note the slightly different spelling). Though not related to Seterus mortgage servicing, Ceterus offers a comprehensive bill pay solution that might be useful for managing your various bills, including mortgage payments.
Ceterus Bill Pay features include:
- Automated Accounts Payable – Streamlines the invoice processing workflow
- Document Tracking – Maintains proof-of-payment and vendor forms
- Recurring Bill Payment – Perfect for monthly bills like mortgages
- Mobile Approval – Approve bills from anywhere using their app
Their weekly bill pay process follows a structured schedule:
- Monday: Submit invoices
- Tuesday: Processing
- Wednesday: Review and approve
- Thursday: Payment scheduling
- Friday: Payment release
Tips for Managing Your Mortgage Payments After the Transition
The transition from Seterus to another servicer can be confusing. Here are some tips to help you manage:
1. Confirm Your New Servicer
If you’re unsure whether your mortgage was transferred to SPS or another servicer, check your mail for a “goodbye” letter from Seterus and a “hello” letter from your new servicer. These notices are legally required when loans are transferred.
2. Update Your Autopay Settings
If you had automatic payments set up with Seterus, you’ll need to set them up again with your new servicer. Autopayments don’t transfer automatically between servicers.
3. Watch for Changes in Payment Details
Sometimes when loans transfer, there might be small changes to:
- Your account number
- Payment due date
- Escrow amount
Review your first statement carefully to catch any differences.
4. Keep Records
During any servicer transition, it’s smart to:
- Save all correspondence from both Seterus and your new servicer
- Take screenshots of payment confirmations
- Keep track of when you make payments and how much you paid
What If You’re Facing Financial Hardship?
If you’re having trouble making mortgage payments, don’t wait until you fall behind. Your new servicer has options to help. SPS, for example, offers several assistance programs that you can access through their customer dashboard.
Steps to request assistance:
- Log in to your SPS account
- Go to “Request Assistance”
- Complete the required forms (similar to the old Seterus F004F)
- Submit supporting documentation
- Work with an assigned relationship manager
Common Questions About the Seterus Transition
When did Seterus stop servicing mortgages?
Seterus was acquired in early 2019, with the formal merger completed on March 27, 2019, according to business records.
Will my mortgage terms change with the new servicer?
No, the terms of your mortgage loan (interest rate, principal balance, length of loan) remain the same when a servicer changes. Only the company collecting your payments changes.
What if I sent a payment to Seterus after the transition?
Don’t worry! During a servicing transfer, payments sent to the old servicer are typically forwarded to the new one for a period of time. However, you should update your payment methods as soon as possible.
Can I still access my old Seterus payment history?
Your new servicer should have received your payment history during the transfer. You can request these records by contacting customer service at SPS or whichever company now services your loan.
The Bottom Line on Seterus Online Bill Pay
If you were using Seterus for your mortgage payments, you’ll now need to work with SPS or whatever servicer has taken over your loan. The good news is that SPS offers multiple convenient ways to pay online, including through their website and mobile app.
Remember, the most important thing is to make sure your mortgage payments continue without interruption. A change in servicer doesn’t affect your obligation to pay your mortgage, and missed payments can still damage your credit score regardless of any servicing transitions.
We know that mortgage servicing transfers can be a pain, but once you’ve set up your new payment method with SPS, things should go smoothly from there. And if you need more comprehensive bill management beyond just your mortgage, solutions like Ceterus Bill Pay might be worth looking into.
Have you experienced the Seterus transition? What was your experience like? Drop a comment below – I’d love to hear your story!
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Less clutter. More time. Just one reason to bank online.
- HOME
- PERSONAL
- BANK
- ONLINE BILL PAY
Clutter and time – we have too much of one and not enough of the other. Bill pay online solves both problems, personal finance-wise. Pay rent, mortgage, cell phone and any other bills all through your checking account online or mobile banking app.
One safe, simple and free online bill pay system – no extra app required.
- Set due dates quickly and easily
- Manage funds in one place
- Avoid late payment fees
