At FourLeaf, we are committed to providing extraordinary service to our members and continuously work to find new ways to improve and enhance our member services. As part of this ongoing commitment, we are transitioning all home loan servicing to a new service provider, FourLeaf Real Estate Loan Servicing, beginning July 1, 2025.
The transition will enable several enhancements to our members’ home loan servicing options, including extended service hours and a more robust online banking experience with more information about your home loan and additional payment services. Below you will find some frequently asked questions and further information on how this will impact your home loan, including urgent steps that must be taken to update your July loan payment.
What you need to know
Update Your Payments
All home loan payments due on or after July 1 must be sent to FourLeaf Real Estate Loan Servicing.
- Reset Automatic Payments:
Stop or cancel your current automatic payments – they will not carry over to your new loan. - Mail Your July Payment:
We recommend mailing your July payment to ensure it is processed on time and using our Payment Guide to update your future payment settings. - Update Payments Early:
Update your automatic payments in online banking after July 9 or submit your new ACH form anytime – it will be processed after the transition is complete on July 9.
Late fees will not apply until after August 31, 2025.
Temporary Online Access Outage
- Starts: Monday, June 30 at 8:00 PM (ET)
Ends: Wednesday, July 9, 2025 - During this time, you won’t be able to view or manage your loan online. A new, upgraded system will be available when service resumes.
Contact Us
Starting July 1, 2025, please reach out to FourLeaf Real Estate Loan Servicing with any questions:
Phone: 866-399-2586
Hours:
Monday – Friday: 8:30 AM – 12:00 AM (ET)
Saturday: 8:30 AM – 1:00 PM (ET)
Important Changes
Your Loan Number is Changing:
- Your rate and remaining terms stay the same.
- Your new loan number is in the Notice of Service Transfer mailed on June 11, 2025.
Insurance Information Must Be Updated:
- Contact your homeowner’s insurance provider to update the mortgagee clause to:
FourLeaf Federal Credit Union
c/o Central Loan Administration & Reporting
ISAOA/ATIMA
P.O. Box 202028
Florence, SC 29502-2028 - For PMI updates, use:
FourLeaf Federal Credit Union ISAOA, ATIMA
c/o Central Loan Administration and Reporting
P.O. Box 77404
Ewing, NJ 08628
For payments due on July 1, please mail your payment to this address:
Attn: Member Service
P.O. Box 11733
Newark, NJ 07101-4733
New online features for managing your home loan
Next month you will be able to do even more with your home loan online! Check out some of our enhanced online capabilities:
- Manage auto payments and make one-time ACH payments online
- Have more flexibility with payment designations for your principal, escrow, or interest
- Create repayment plans or set monthly/annual goals
- Utilize enhanced payment calculators that allow you to view principal payments, lump sum estimates, and your loan-to-value (LTV) estimates
- New chat feature allows you to securely speak with a service representative about your account online
- Request documents, payoff quotes, paperless statements online
Action Required: Home loan payment update
Please note that the payment address for your home loan is changing next month. All home loan payments due on or after July 1 need to be updated or they will not be processed correctly.
MAIL
All standard payments should be sent to:
FourLeaf Federal Credit Union
Attn: Member Service
P.O. Box 11733
Newark, NJ 07101-4733
PHONE
After July 9, call 866-399-2586 to make a payment using the Interactive Voice Response (IVR) system, or with a representative. Payments after 9:00 PM (ET) will be processed the next day.
IN BRANCH
Visit fourleaffcu.com/locator to find your local branch.
AUTOMATIC AND ONLINE PAYMENTS
- All online and automatic payments scheduled on or after July 1 should be canceled and reestablished with our new payment information and your new account number. This includes automatic payments that are deducted from your FourLeaf checking/savings account, as well as those paid through Bill Pay.
- For those payments due on July 1, please mail payment to the address listed under “Mail”.
- To set up your new automatic online payment, complete the ACH Authorization Form that you receive in the mail and return it to the address indicated on the form, or enroll through our mobile app or online banking platform at fourleaffcu.com after July 9.
You will be notified with a confirmation when your automatic payment is set up. Please be sure to mail your payments in until you receive your automatic payment setup confirmation.
Third-Party Payments: Members can set up their home loan payment through a third-party entity (e.g., government allotment, bi-weekly, or bill pay service) once they receive their new home loan number. Members who closed on their home loan prior to May 31 will be provided a new loan number in their Change of Service Notification. Members that closed after June 1 will receive a welcome letter with their new loan number. Payments can be set up with following information: FourLeaf Federal Credit Union, Attn: Member Servicing, P.O. Box 11733 Newark, New Jersey 07101-4733, Payment routing #: 231271365.
General FAQs
After the transition, you will be able to manage your home loan through these expanded services:
- Expanded online payment options
- Interactive telephone banking system
- Extended hours for telephone customer service; after July 1, you can contact us at 866-399-2586,
8:30 AM – 12:00 AM (ET) Monday through Friday, and
8:30 AM – 1:00 PM (ET) Saturday - Quick and easy access to your home loan through online and mobile banking after July 9
Yes, your loan number has changed. Your new loan number can be found on the Notice of Servicing Transfer in the mailing you received. Your rate and remaining terms are the same.
No, this transition is not a result of our name change. FourLeaf is committed to providing convenient, secure, and modern banking services. This change supports that commitment and allows us to better serve our members’ needs.
No, your loan terms and rate and will not change.
The difference between FourLeaf FCU Processing Center and FourLeaf Federal Credit Union is the mailing address for payment processing. There is also an enhanced system functionality through FourLeaf Federal Credit Union’s loan servicing system.
No, you will receive one 1098 at the end of the year.
No, your lender is still FourLeaf Federal Credit Union. We have partnered with a new servicer who will provide statements, account maintenance and enhanced member services.
Yes. Your loan will be reported to the appropriate bureaus as closed and transferred. Your transferred loan will appear on your credit report within 90 days.
If you need your account number or a copy of your Service Transfer Notice you can visit a branch, make a virtual branch or phone appointment or fill out the contact us form below and note that you need a copy of your letter. After July 9, you will be able to see access your new account number on your statements and through online banking.
Loan Payment FAQs
No, your payment due date will remain the same.
Our new loan servicing system requires a new loan number and has a new payment address. Automatic payments need to be set up with this new information.
Please send payments to:
FourLeaf Federal Credit Union
Attn: Member Service
P.O. Box 11733
Newark, NJ 07101-4733
Yes, you can make your July 1 payment early using the current payment guide.
If you missed your July payment, we encourage you to make a payment as soon as possible. While we transition to Real Estate Loan Servicing, late fees will not be imposed until August 31. If you need to speak to someone about your payment, please call 866-399-2586.
If you need your account number and routing number to set up a loan payment, you can find your new account number on your intro letter, statements, and through online banking.
Yes, you may be charged insufficient funds fees by your financial institution if the funds are not available on the scheduled payment date.
Yes, you must re-establish your payment with your new loan number from your FourLeaf checking or savings account by July 31, 2025. Please use our payment guide for more information on setting up your automatic payment.
Yes, please update your recurring home loan payment info before July 1. If not updated, your payment will still debit your account but won’t apply to your loan and will fail. Refunds may take up to 10 business days.
You can find your new account number on your welcome letter. If you don’t have it handy, stop by a branch, schedule a virtual branch or phone appointment, or reach out to us. Starting July 9, you’ll also be able to view your new account number on your statements and through online banking. The payment routing #: 231271365.
Online Access FAQs
Log in to online banking and click on ‘Manage/Pay a Home Loan’ to be automatically directed to the home loan online banking portal.
As of July 1, 2025, you will receive paper statements. If you would like to receive e-statements, you can re-enroll online.
Mortgage FAQs
Your escrow account will remain linked to your loan accounts. However, your escrow analysis timing may change.
Yes, please contact your insurance provider and have the “mortgagee clause” updated to the following:
FourLeaf Federal Credit Union
c/o Central Loan Administration & Reporting,
ISAOA/ATIMA
P.O. Box 202028
Florence, SC 29502-2028
Ask them to update PMI mortgagee clause:
FourLeaf Federal Credit Union ISAOA, ATIMA
c/o Central Loan Administration and Reporting
P.O. Box 77404
Ewing, New Jersey 08628
Home Equity FAQs
Yes, you will receive new checks with your new home loan account number prior to June 30, which you can use moving forward. Please then destroy all checks with your old check number.
You will receive replacement checks with a new account number prior to July 31, 2025. You should begin using these checks immediately upon receipt. These new checks will have an account number unrelated to your loan for increased protection.
Please destroy any checks with your old loan number once you have received your new checks. If you would like to transfer funds to your checking or savings account, we encourage you to deposit one of these checks at a branch or utilize Mobile Check Deposit for a quick and convenient way to move your funds.
Please use the contact form button below to inquire about additional check orders in the interim.
The checks you received reflect your new home loan account number. Please destroy any checks you have with your old account number.
You can utilize the checks that you received to disburse funds from your HELOC loan. The time it takes to process and clear your check(s) will vary by financial institution.
Unfortunately, this is not an option within our system anymore. We encourage you to utilize Mobile Check Deposit for a quick and convenient way to move your funds.
Yes, you must re-establish your payment with your new loan number from your FourLeaf checking or savings account by July 31, 2025. Please use our payment guide for more information on setting up your automatic payment.
Connect with our support team
If you have any questions or need assistance, please do not hesitate to contact us at 800-628-7070, schedule a phone appointment, or submit the form below, and one of our specialists will contact you soon.
Please fill out the form to be contacted by one of our response team members.