Mortgage Loan Servicing

FREQUENTLY ASKED QUESTIONS

Find answers to common questions about managing your mortgage loan, including how to make a payment, access statements, update your information, and contact the mortgage servicing team for assistance.

Contacts

  • For general servicing questions, including payment information, tax payments, insurance payments, ACH, etc. please

    contact MFM’s Servicing Department at servicing@memberfirstmortgage.com

    Send an email to the 1st UCU team at mortgageservices@culink.net.

  • IMPORTANT: these addresses are for correspondence only. Do not send payments to these addresses:

    Member First Mortgage, LLC

    616 44th St SE

    Grand Rapids, MI 49548

    1st University Credit Union
    24 La Salle Ave, Unit C

    Waco, TX 76706

    The mailing address for payments is:

    Member First Mortgage, LLC

    Dept. #771502

    Detroit, MI 48277-1502

General Information

  • Partnering with a large mortgage servicing provider gives us the ability to offer members additional benefits and services, including options for making payments and accessing information pertaining to your mortgage account.

  • Founded in 2001 and wholly owned by 11 leading credit unions, Member First Mortgage is a Credit Union Service Organization (CUSO). MFM has a strong reputation as a leading mortgage servicer, assisting credit unions and their members with their mortgage needs. Built on the credit union philosophy of "People Helping People," MFM team members have years of experience in mortgage servicing and a service vision unparalleled in the mortgage industry.

    MFM offers the outstanding service you deserve and such things as:

    • Automatic Payment Withdrawal (ACH)

    • Free 24-Hour Online Payments

    • Free 24-Hour Online Access to view your loan information

    • Monthly Statements

    • And much more…

    Learn more on their website.

  • For general servicing questions, including payment information, tax payments, insurance payments, ACH, etc. please contact their Servicing Department at (866) 636-1052, by email at servicing@memberfirstmortgage.com or send any correspondence to:

    Member First Mortgage, LLC

    616 44th St SE

    Grand Rapids, MI 49548

    ***Please note the correspondence address is different than the payment mailing address***

  • All financial companies need to share customers' personal information to run their everyday business. In MFM’s Privacy Policy Statement, they list the reasons financial companies can share their customers' personal information; the reasons Member First Mortgage, LLC chooses to share; and whether you can limit this sharing.

  • MFM’s hours are Monday through Friday, 7:30 AM to 5:30 PM CST.

Payments

  • If you wish to create automatic payment deductions, sign up for ACH drafting online at www.memberfirstmortgage.com.

    Once there, click on Login.” From the dropdown, click “My Loan Account.” Next, select “Register My Account.” Complete the fields and follow the prompts. If you would like help, call Member First Mortgage at 866-636-1052.

  • To enroll, visit the MFM website at www.memberfirstmortgage.com. Select “My Account”, click “Register” and fill out the information on the screen that appears. Once you have completed the sign-up process, MFM will notify you of enrollment by email and you can then begin using this service. To make a payment: Select “My Account”, log in and follow the instructions to make your payment.

  • No, MFM does not offer special payment options unless they were specified in the original contractual Note.

  • The payment mailing address is:

    Member First Mortgage, LLC

    Dept. #771502

    Detroit, MI 48277-1502

  • A payment can be processed over the phone by speaking with the Member Service Department or by using the Automatic Phone Payment System. When you call (866) 636-1052, have the following information available: Loan Number, ABA/Routing Number, Checking or Savings Account Number or Debit Card, and amount of your payment (fees may apply).

Statements and Tax Info

  • Yes. MFM generates a statement by the 10th of each month. If you don't receive one, call them at (866) 636-1052.

  • Contact MFM for statements at (866) 636-1052.

  • Monthly Mortgage Statements are generated on or before the tenth of each month. If you do not receive your monthly statement for October, please call MFM at (866) 636-1052, or email servicing@memberfirstmortgage.com.

  • Yes, MFM will supply the Form 1098 statement from September 02, 2025 onward.

Your Rights

  • You have the right to send a Qualified Written Request (QWR) to your mortgage servicer. This must be a written letter (not a note on a payment coupon) and must include:

    • Your name

    • Your mortgage loan number

    • A description of the issue or the information you're requesting

    The servicer is required by law to:

    • Acknowledge your request within 5 business days, and

    • Respond with a resolution or explanation within 30 business days

  • If you send a notice of error to your loan servicer, they cannot report that payment as delinquent to credit bureaus for 60 days while the issue is under review.

    Note: This protection does not stop foreclosure proceedings if other legal grounds exist under your mortgage agreement.

Texas Mortgage Complaint Notice

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.