Special Message from VMLS

We will complete the annual Escrow Analysis at the end of February for a payment change on April 1. Watch our Escrow Analysis Video and review our Escrow Analysis Guide to learn more!

Learn About Escrow Analysis

East Tennessee Assistance

If you are a VMLS customer in an area in Tennessee affected by Hurricane Helene and your home or place of employment have been impacted by the historic flooding, please contact us. We are here to help you navigate your assistance options.

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Volunteer Mortgage Loan Servicing

We manage home loan accounts on behalf of THDA, your state housing agency.

Check out THDA.org

VMLS Online Payment System

It is free and easy to make your mortgage payments online. Click the button to review the Online Payment Guide.

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Make A Payment

If you're ready to make a payment or need information about how to pay, we're here to make it as quick as possible.
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Tips & Tools

Problems pop up when you're a homeowner. From financial issues to maintenance and repair, we have information to help guide you.
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Tennesseans Serving Tennesseans

When you call VMLS, you are speaking to a mortgage specialist located in Nashville, TN.
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Welcome, Homeowners!

Homeownership is an exciting journey, and we’re here to serve as your personal guide. It’s our mission to keep you on the right path, step by step, month by month, throughout the life of your home loan.

If you’ve been notified that Vol Servicing is responsible for servicing your home loan, welcome aboard!

Contact the Vol Servicing team by phone at 844-VOL-SERV (865-7378).

Get Started