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Ways to pay

Pay Your First Mortgage

There are many options available when it comes to paying your first mortgage. Learn how to make a payment and set up scheduled payments.

  • Online Banking

    To set up regularly schedule online payments, a request form must be completed by either:

    Mail:
    TruWest Credit Union
    c/o Midwest Loan Services
    P.O. Box 144
    Houghton, MI 49931-0144
    Fax:
    (906) 487-5869
    Email form:
    call 1 (800) 262-6574 to set up
  • Pay by phone

    Make a payment over the phone by calling
    1 (855) 479-9009 from 8 a.m. to 8 p.m., Monday-Friday.

  • Pay by mail

    Make checks or money orders payable to: TruWest Credit Union, and mail your payment coupon to:

    TruWest Credit Union
    c/o Midwest Loan Services
    P.O. Box 144
    Houghton, MI 49931-0144

    Be sure to mail your payment 5 to 7 business days ahead of your due date to allow plenty of time to reach us before the payment due date.

  • Pay at the branch

    You can make a mortgage payment at any one of our convenient branch locations.

Additional Services

  • Recast1

    Recasting your mortgage is a great option if you’re looking to lower your monthly payment after making large payments to your principal. A mortgage recast takes your remaining balance and redistributes the balance over the life of your mortgage, which may result in a lower monthly payment.

    To see if your mortgage qualifies for a recast or if you have other questions about recasts, call us at 1 (855) 841-9203 to speak with a TruWest mortgage loan originator or email us.

  • Request a pay off quote

    You can request a pay off quote by calling
    1 (855) 479-9009 from 8 a.m. to 8 p.m., Monday-Friday.

  • How to cancel your mortgage insurance1

    The eligibility requirements for canceling your mortgage insurance can vary depending on the following factors:

    1. Type of mortgage
    2. Current Loan-to-Value (LTV)
    3. Applicable guidelines

    To see if you are eligible and/or to start the mortgage insurance cancellation request process:

    By phone: 1 (800) 262-6574
    By email: info@midwestloanservices.com
    By mail:
    Midwest Loan Services
    616 Shelden Ave, Ste 300
    Houghton MI 49931

  • Get in touch with a credit bureau agency

    Contact a credit bureau agency to freeze or unfreeze your credit, submit a dispute and other credit report-related inquiries.

    Equifax
    equifax.com
    1 (866) 349-5191

    Experian
    experian.com
    1 (888) 397-3742

    TransUnion
    transunion.com
    1 (800) 680-7289

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Couple making home improvement, measuring, high angle view.

Pay Your Second Mortgage/HELOC

There are many options available when it comes to paying your second mortgage/HELOC. Learn how to make a payment and set up scheduled payments.

  • Online Banking

    There are two ways you can make a payment online:

    Pay with your TruWest Account

    1. Log in to your TruWest online banking account
    2. Click on the Pay button next to the loan you wish to pay
    3. Select which account you would like to make the payment from
    4. Choose the payment date
    5. Select either minimum due or input a different dollar amount
    6. Select Make transfer
    7. You’re done!

    Pay from another financial institution

    1. Have your financial institution’s routing number and loan number ready
    2. Log in to online banking
    3. Under Helpful Links, select Pay my loan/credit card
    4. Select Make a payment, enter the dollar amount, your TruWest account number, loan suffix (you can enter a nickname here, which is optional), payment frequency (monthly or one-time) and the date you wish to make the payment
    5. Select Continue
    6. Enter all required information under Payment Information, including your TruWest account number and loan number on the last two lines
    7. Under Account type, enter the outside financial institution’s account number and routing number.
      Pro tip: if this is your preferred method of payment, we recommend you set up a password for future payment requests
    8. Select Process
    9. You’re done!

    Don’t have a TruWest online account yet? Don’t worry, it’s easy to set up. Click here to sign up.

  • Pay by phone

    Make a payment over the phone by calling
    1 (855) 878-9378 from 8 a.m. to 5 p.m., Monday-Friday.

    Pro tip: Have the following information ready:

    1. Routing number and account number of the financial institution (where the payment will be initiated from)
    2. TruWest member number and loan number
  • Pay by mail

    Make checks or money orders payable to: TruWest Credit Union and mail your payment coupon to:

    TruWest Credit Union
    P.O. Box 78637
    Phoenix, AZ 85062-8637

    Be sure to mail your payment 5 to 7 business days ahead of your due date to allow plenty of time to reach us before the payment due date.

  • Pay at the branch

    You can make a mortgage payment at any one of our convenient branch locations.

Additional Services

1Not available on all products. Subject to qualifications, terms and conditions

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