Mortgages & HELOCS
Mortgage Loans Serviced by TruHome
The conversion of mortgage loans with 121 Financial, serviced by TruHome, will take place in early 2025. You will continue to make payments directly to TruHome until then. After Oct 7, the option to make a payment through 121 Financial’s Online & Mobile Banking or at a 121 Financial branch will no longer be available.
Any payments after Oct. 7 for mortgages serviced by TruHome will need to be done via mail or directly through the TruHome online platform. For your first mortgage payment after Oct. 7, register in the TruHome platform.
Make Your Mortgage Payment
You can also mail your mortgage payment to:
TruHome Solutions, LLC
P.O. Box 219958
Kansas City, MO 64121-9958
Home Equity Line of Credit (HELOC) Accounts
There will be no changes to your loan terms. Each month, you’ll receive a separate statement for your Home Equity Line of Credit account(s), and it will not be included in your standard monthly VyStar statement. Please call 904-908-2424 with any questions.
Home Equity Line of Credit Payments
Any payments made after Oct. 11 for HELOC accounts will need to be mailed to VyStar Credit Union, P.O. Box 41266, Jacksonville, FL 32203-1266, made in a VyStar branch location or by calling 904-908-2424.
HELOC Loan Servicing Inquiries
For questions related to your HELOC, contact VyStar’s Mortgage Servicing & Loss Mitigation at 904-908-2424.
Commercial Real Estate Mortgages
Your 121 Financial Commercial Real Estate Mortgage will be automatically converted to VyStar and all terms and conditions that you signed for your loan will continue to apply. After Oct. 14, all loan payments will need to be made to VyStar.
Loan Account Number
There will be a change to your loan account number at conversion. In most cases, your loan account number will be a combination of your 121 Financial member number and the loan suffix (loan suffix can be found at the top of your statement next to each loan). Example: Member number is 1234 and Line of Credit #0001 will convert to VyStar loan number 12340001. If your account number has changed completely, you will receive a letter in the mail detailing this change.
Loan Due Dates & Terms
There will not be any changes to your due dates or terms per your agreement with your 121 Financial loan(s). Please see your existing loan note for details. Before Oct. 11, you can call the 121 Financial Contact Center at 904-723-6300 or visit your local 121 Financial branch for loan due dates and terms. After Oct. 14, please visit VyStar’s Online & Mobile Banking, call 904-777- 6000, or visit your local VyStar branch for loan due dates and terms.
