Information for Servicing Clients


Why is my Financial Institution partnering with Midwest Loan Services (MLS) for the servicing of my mortgage loan?

Midwest Loan Services has specific expertise in the area of mortgage loan servicing which allows us to offer our borrower’s additional benefits and services. Once the transition occurs, you will have new options for making payments and accessing information about your mortgage account.

Has my mortgage been sold to MLS?

No, your mortgage has not been sold. MLS will simply be performing the servicing of the loan, which means they’ll take your payments, pay your taxes and insurance, and handle any questions you may have about your loan.

How do I contact MLS when I have questions about the servicing of my mortgage loan?

You can contact the Midwest Customer Service Center at 1-800-262-6574 from 8am to 8pm EST. You can also view your current mortgage statement online 24/7 at

Will my loan number be changing?

Yes, you will be assigned a Midwest loan number. You will use this number to register for access to your account online. You should always refer to this loan number when contacting Midwest about your loan.

Will any of the terms of my mortgage change?

No, your mortgage will continue to be serviced under the original terms.

How will I report interest paid for the tax year?

You will receive two mortgage tax and interest statements (Form1098) in January; one from the financial institution for the time they serviced your loan and one from Midwest from the time they serviced your loan.


My mortgage is currently being drafted automatically from my checking/savings account. Will this service continue when my loan transfers to Midwest Loan Services?

If your payment is currently drafted automatically, you will need to set up a new automatic payment with Midwest. Your prior draft authorization will no longer apply once the loan transfers to Midwest. There are several payment options. Once you have your deposit account information ready, you may either:

  1. Contact Midwest Loan Services at 1-800-262-6574 between the hours of 8am and 8pm EST, to speak to a representative to authorize MLS to draft your recurring ACH payments from your deposit account,
  2. Call 1-800-262-6574 anytime, 24/7, and choose to schedule your recurring ACH payments using the Integrated Voice Response system, or
  3. Register for your online account at and schedule your recurring payments online. Simply for to and register. From there, click the Payments link and fill all the required information to submit your payment.
Can I still pay my mortgage through a bill pay service?

Yes, just make sure you contact your bill pay service to update your loan number, payment amount, and payment mailing address to:

Midwest Loan Services
PO Box 188
Houghton, MI 49931

so your payment is credited properly.

Where do I send my payment?

(Your Financial Institution) c/o Midwest Loan Services
PO Box 188
Houghton, MI 49931-0188

When will borrowers be able to view their loan information online?

Loan data on our system syncs with our websites each night so it will take 24 hours after a loan is setup on our system to appear on the web.


I have an escrow account; will MLS continue this service when my loan transfers to them?

Yes, after the transfer, Midwest will pay your taxes and insurance just as we did. In addition, they will analyze your escrow account annually and mail you the results.

I don’t currently have an escrow account; can I set one up with Midwest when my loans transfer to them?

Yes, of you are interested in establishing an escrow account please send your request in writing along with the most recent copies of your real estate tax bills and homeowners insurance declaration pages to the following address:

Midwest Loan Services
Attention: Escrow Services
PO Box 144
Houghton, MI 49931-0144

Upon completion of your request we will notify you in writing of the required escrow deposit and pending monthly payment due.

What should I do if I receive a tax or insurance bill but I have an escrow account?

Forward any bills you receive to the following address. Remember to include your loan number on all correspondence.

Midwest Loan Services
Attention: Escrow Services
PO Box 144
Houghton, MI 49931

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