Yes, you can change your mortgage payment due date, but the process depends on your lender

Most lenders allow you to move your payment due date to a different day of the month. Some let you do it once a year for free. Others charge a small fee or require you to contact them by phone instead of online. A few lenders build it into their online portal so you can change it yourself in minutes. The key is that you need to ask your lender directly — the due date does not change on its own, and missing a payment while waiting for a change to process can damage your credit.

The reason you might want to change your due date is practical: if your paycheck arrives on the 15th but your mortgage is due on the 10th, you are paying five days early. If you have multiple bills due on the same day, moving one can spread out your cash flow. If you are paid monthly on a specific date, aligning your mortgage payment to that date makes budgeting simpler.

Key Takeaways

  • Contact your lender directly to request a due date change — most will do it, though some charge a fee or limit how often you can change it.
  • The change usually takes effect on your next billing cycle, so plan ahead rather than waiting until you are short on cash.
  • If you miss a payment while a change is being processed, it will still be reported as late, so continue paying on the old due date until the new one is confirmed.
  • Some lenders let you change your due date online through your account portal, while others require a phone call or written request.
  • Changing your due date does not change the total amount you owe or the interest rate — it only shifts when the payment is due each month.

How to request a due date change from your lender

Start by checking your loan documents or your lender's website to see if they have a stated policy on due date changes. Some lenders publish this information clearly; others bury it in the fine print of your mortgage agreement. If you cannot find it, call the customer service number on your mortgage statement.

When you contact your lender, have your loan number and current due date ready. Tell them the new due date you want and ask three things: whether they charge a fee, when the change takes effect, and whether you should continue paying on the old due date until the change is confirmed. Write down the name of the person you spoke with and the date of the call. If the change is approved, ask them to send you written confirmation by mail or email.

If your lender has an online account portal, log in and look for a "Payment Settings" or "Billing" section. Some lenders let you change your due date there without calling. If you see the option, make the change and take a screenshot of the confirmation page for your records.

When the change takes effect and what happens to your next payment

Most lenders process a due date change in the billing cycle after you request it. If you ask on the 20th of the month, the new due date usually starts on your next scheduled payment, which might be 10 to 30 days away depending on your loan. Some lenders explore the change when ready; others wait until the following month.

During the transition, keep paying on your old due date unless your lender tells you otherwise. If you stop paying on the old date before the new one is active, and the change has not yet processed, you will be marked as late. Late payments stay on your credit report for seven years and can raise your interest rate or trigger a default notice.

Once the change is confirmed, your payment will be due on the new date going forward. If you moved your due date from the 10th to the 25th, for example, your next payment on the 25th will be on time. You will not owe an extra payment or a partial payment to bridge the gap — the lender straightforward shifts the schedule.

Fees and limits on changing your due date

Some lenders charge a fee to change your due date, usually between $15 and $50. Others do it for free. A few lenders allow one free change per year and charge for additional changes. Before you request the change, ask whether there is a fee and what it is. If the fee is steep and you are on a tight budget, you may decide it is not worth it.

Some lenders limit how often you can change your due date — for example, once per year or once per loan. If you have already changed it recently, they may decline your request or ask you to wait. This is less common than it used to be, but it still happens with some banks and mortgage servicers.

What does not change when you move your due date

Changing your due date does not change the amount you owe each month, your interest rate, or the total interest you will pay over the life of the loan. It only shifts the calendar day when the payment is due. If you owe $1,500 a month, you will still owe $1,500 a month — it will just be due on a different day.

Moving your due date also does not affect your loan term or payoff date. If you have 25 years left on your mortgage, you will still have 25 years left after the change. The only thing that changes is the timing of each individual payment.

If your lender will not change your due date

Some lenders, particularly smaller banks or loan servicers, may refuse to change your due date or may have a very rigid policy. If that happens, you have a few options. You can ask whether they offer a payment deferral or forbearance program that lets you skip or delay a payment temporarily — though this is meant for hardship, not convenience, and will affect your credit. You can also ask whether they allow bi-weekly payments instead of monthly payments, which changes the payment schedule in a different way.

If you are unhappy with your lender's policy, you can explore refinancing your mortgage with a different lender that offers more flexible due date options. Refinancing means taking out a new loan to pay off the old one, and it involves closing costs and a new process, so it is only worth considering if you have other reasons to refinance as well.

Frequently Asked Questions

Will changing my due date hurt my credit score?

No, changing your due date itself does not affect your credit score. However, if you miss a payment while the change is being processed, that late payment will hurt your score. Continue paying on your old due date until the new one is confirmed to avoid this.

Can I change my due date to the 31st if my lender only has months with 30 days?

Most lenders will move your due date to the last day of the month if you request the 31st. Some will automatically adjust it to the 30th or the 1st of the next month. Ask your lender how they handle this before you request the change.

What if I want to change my due date because I am behind on payments?

Changing your due date will not stop a late payment or catch you up. If you are behind, contact your lender about a loan modification or forbearance program, which can temporarily reduce or pause your payments. These are designed for hardship and may have different rules than a straightforward due date change.

Can I change my due date if I have an adjustable-rate mortgage?

Yes, changing your due date works the same way for adjustable-rate mortgages as it does for fixed-rate mortgages. The due date change is separate from interest rate adjustments, so one does not affect the other.

How long does it take for a due date change to show up in my online account?

If you change it online, it usually shows when ready. If you request it by phone or mail, it typically appears in your account within one to two billing cycles. Call your lender to confirm the change has processed before your first payment is due on the new date.