Welcome, Homeowners!

Click here for our COVID-19 information page


Dear valued customer,

We at Volunteer Mortgage Loan Servicing (VMLS) have been closely monitoring the recent health advisories regarding the Coronavirus (Covid-19). As it has always been, the safety and security of our customers and team members remains our highest priority. Our hearts and thoughts go out to the people who have been affected by this unprecedented event, as well as those in Tennessee affected or helping with the recent storm damage.

At this time, our Nashville office is closed to the public. We will reopen our call center on Monday, May 4th. Our call center hours for the month of May will be Monday-Thursday 9am-5:30pm cst. Due to limited staff and hours, please allow for longer than normal hold times.

To contact us, please utilize our electronic communication methods:
Email: custserv@volservicing.com or www.volservicing.com/contact. We will be responding to electronic communications during regular business hours, Monday through Friday. While the majority of our staff is telecommuting, we do have staff in  office processing payments and mail.

We urge you to set up a free online account if you have not already. There is never a charge to make your payment online.

We encourage our customers paying through bank bill pay to switch to AutoPay or set up your monthly payments online.

Due to the interruption in our phone availability as well as the many people across the state affected with reduced work hours, we are suspending late fee assessment in the months of March and April, and we will not send Negative Credit Reporting for the month of March.

Recommended Payment Methods during this time:

  • Automatic Payment (ACH), Monthly AutoPay: No fee. https://volservicing.com/automatic-payment-ach-instructions/
  • Online payment at volservicing.com: No fee – you must be current on your loan to pay through the website
  • MoneyGram: Receive Code 15907: $3.95 fee
  • IVR phone (Interactive Voice Response) payment: $3.95 fee is temporarily waived and single payments on deliquent loans are temporarily being accepted
  • Check by mail: PO Box 305170, Nashville, TN 37230-5170: No fee

We understand these times are challenging. We are focused on how the coronavirus is impacting our VMLS customers and team members and will make a swift and timely decision to return to regular business practices and reopen our office as quickly as we can.

Thank you for your understanding and your support to protect the most vulnerable Tennesseans.


Trebia Johns
Director, Mortgage Loan Servicing
Tennessee Housing Development Agency
Volunteer Mortgage Loan Servicing


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