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Your mortgage on your schedule

Split your mortgage into two payments. Same mortgage. Better timing.

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Same mortgage. 
More control.

Smaller payments
Split your monthly mortgage into two smaller payments
Sync to your paycheck 
Pay when your money actually arrives.
Your bill paid on time
Your lender gets paid on time,
every time.

Splitting mortgage payments is for...

Couple settling into a new home with their dog
Settling into a new home
Family juggling a full plate together at home
Juggling a full plate
Woman keeping cash for longer while working
Keeping your cash for longer
Man holding his poodle on a yellow couch at home
Working on your own terms

Frequently asked questions

How does Flex work for my mortgage?

You split your mortgage into two smaller payments. Pay part of it when it's due and Flex covers the rest to your lender in full. Then you pick a date later in the month to pay Flex back.

How is this different from the split-pay option my lender offers?

Lender biweekly programs split your payment into 26 half-payments a year—which means 13 full payments, not 12. That's a debt payoff tool, not a cash flow one. Flex keeps you at 12 payments a year and gives you more time each month to make your payments.

Can I choose when my 2nd payment happens?

Yes. You can choose your 2nd payment date so it lines up with your paycheck and fits naturally into your budget.

Are there fees for using this?

There's a 0.5% processing fee on your payments, and up to a 3% fee on your second payment based on how much you borrow. Paying by credit card adds a 2.5% surcharge. And depending on your provider, these may already be covered for you.