Special Message from VMLS

Our front office and call center will be closed Tuesday, Dec 24 - Wednesday, Dec 25 and Tuesday, Dec 31 - Wednesday, Jan 1. Payments will be accepted online and automated pay-by-phone. The last day to make your December payment with an agent is Monday, Dec 30.

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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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Tools & Tips

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