New Loan Servicing Provider -March 2, 2026
Effective March 2, 2026, we will be transferring the servicing of your mortgage from Colonial to our new loan servicing provider, TruHome Solutions (TruHome). Your loan terms are not changing, this only changes where you send your payments and who you contact for servicing support.
Important Dates and Next Steps:
- No action is required on your part until after March 1. Your mortgage loan will continue to be serviced by Colonial through March 1, 2026. The transfer from Colonial to our new servicer, TruHome, is effective March 2, 2026.
- Prior to the transfer of your loan servicing, you will receive a Goodbye letter from Colonial. During the second week of March, you will receive a Welcome letter from TruHome that includes your new servicing details.
- While there may be a few days after March 2, where neither Colonial nor TruHome can see your loan information, this is a normal part of the transfer process and your information is not lost. All teams are working diligently to move the information to TruHome as quickly as possible.
- Automatic payments (ACH) will not transfer from Colonial to TruHome. This means members who have established an ACH (automatic transfer) to Colonial will need to establish an automatic payment to TruHome. To establish your new automatic payment, follow the instructions within the FAQs.
- You are fully protected under federal servicing transfer rules — no late fees and no negative credit reporting are allowed for the first 60 days of the transfer.
Frequently Asked Questions
What are TruHome’s business hours?
The Member Services Department is open: Monday-Friday 7:00 AM – 8:00 PM (CST) Saturday 8:00 AM – 1:00 PM (CST)
https://www.mtgserv.com/ArizonaFinancial
How can I register my account online?
To register your TruHome online account visit the following link: https://www.mtgserv.com/ArizonaFinancial
Once there, select "Register Your Account" at the bottom of the log in section and follow the steps to register.
Please contact us at 1-833-318-9211 if you need assistance.
How can I contact Member Services?
Contact TruHome by phone 1-833-318-9211 or email mortgageservicing@truhome.com.
What will happen with my March loan payment?
Loan payments received by Colonial on or before February 27, 2026 will be applied to your loan. Payments received by Colonial after February 27, 2026 will be transferred to TruHome and applied to your loan upon receipt.
Where do I make my April loan payment?
- ACH (automatic withdrawal) from a Checking/Savings account
- ACH payments will need to be set up with TruHome for April 1, 2026 payments moving forward. To do so, create an account at https://www.mtgserv.com/ArizonaFinancial and create the new ACH authorization. Select your loan then the Payments tab and select Auto Draft Payment from the drop-down menu. You can also contact the Member Services department at 1-833-318-921.
- Mortgage Servicing website - https://www.mtgserv.com/ArizonaFinancial
- Access to the Mortgage Servicing website will not be available until on or after March 3, 2026. We strongly encourage that you wait to set up your online account until you receive your welcome letter from TruHome Solutions in the mail.
- Phone by calling 1-833-318-921.
- Mail a check. Please remember to include the tear off coupon at the bottom of each monthly mortgage statement.
- Bill pay services with financial institution. Direct payments to:
TruHome Solutions, LLC
Mortgage Payments
P.O. Box 219958
Kansas City, MO 64121-9958 - You cannot make payment via credit card.
Is there a grace period where I can make a payment and not be charged a late fee?
For the first 60 days after your loan servicing transfers (starting 3/2/2026), if you accidentally send your mortgage payment to Colonial Savings instead of TruHome, you won’t be penalized as long as Colonial receives it by your payment due date (or within any grace period in your loan documents). In that situation, your payment will not be considered late and no late fee will be charged. Colonial and TruHome have a process in place to make sure your payment is accounted for, it may just take a few extra days.
After the 60 day period, payments are considered past due if not received by TruHome on the due date (or within any grace period in your loan documents) and any applicable fees or penalties communicated in your loan document will be assessed and displayed on the monthly statement.
What is the payment mailing address?
TruHome Solutions, LLC
Mortgage Payments
P.O. Box 219958
Kansas City, MO 64121-9958
Do I need to purchase Hazard or Homeowners Insurance?
It is a requirement of your mortgage contract to maintain adequate insurance on your structure at all times. Adequate insurance is an amount that is at least equal to the outstanding principal balance of your loan or the replacement cost value of your structure.
TruHome will receive your insurance information from Colonial Savings and will contact you should they need additional information or have any questions.
You may receive a letter requesting proof of insurance throughout the life of your loan. Proof of insurance is a document from your insurance company verifying that a policy has been obtained for your property including the policy amount and coverage dates. A copy of the declaration page is sufficient proof of insurance in most instances and can either be faxed to 947-622-1090 or uploaded to https://expressinsuranceinfo.com/3143827. This is usually the first page of your policy, tells the amount of coverage, and gives us the requisite details of the policy.
Can I make a payment over the phone?
Yes, payments can be processed by calling TruHome at 1-833-318-9211 effective on or after March 3, 2026. Calling this number allows the option of speaking to an agent or completing the payment via the automated phone system.
Can I set up a mortgage payment for automatic draft?
Yes, automatic payments can be set up on the mortgage servicing website https://www.mtgserv.com/ArizonaFinancial. Select your loan then the Payments tab and select Auto Draft Payment from the drop-down menu. You can also contact the Member Services department at 1-833-318-9211.
When should I expect to see the payment deducted from my Checking/Savings account if payment is set up on automatic draft?
Payments that process automatically take up to 48 business hours to clear the account from which the funds are drafted. The date the payment is scheduled to draft is the date the payment will reflect as being applied to the mortgage. If the date falls on a holiday or weekend, the mortgage payment may take longer to process from a Checking/Savings account.
Can I make bi-weekly payments?
Yes, please contact Member Services by phone 1-833-318-9211 and we will be happy to provide details about our biweekly program.
What form of payment can be used to make a payment?
- ACH (automatic withdrawal) from a Checking/Savings account.
- ACH payments will need to be set up with TruHome for April 1, 2026 payments moving forward.
- Mortgage Servicing website - https://www.mtgserv.com/ArizonaFinancial.
- Phone by calling 1-833-318-9211.
- Mail a check. Please remember to include the tear off coupon at the bottom of each monthly mortgage statement.
- Bill pay services with financial institution.
- You cannot make a payment via credit card.
What happens if a payment is returned due to non-sufficient funds (NSF)?
How can I change or cancel my automatic payment information?
Automatic payment information can be changed on the mortgage servicing website https://www.mtgserv.com/ArizonaFinancial. Select your loan and then go to the Payments tab and select Auto Draft Payments from the drop-down menu and follow the instructions within the screen. Contact TruHome’s Member Services department to help with setup at .
Will I receive a coupon book?
No, you will receive a monthly mortgage statement with a tear-off coupon attached.
How can I sign up for online statements?
Using the mortgage servicing website https://www.mtgserv.com/ArizonaFinancial you can select your loan and then the Statement and Documents tab and select Mortgage Statements from the drop-down menu. Then you will see the button to select electronic statements. It may take 3-4 days for this change to take effect.
What should I do if I receive a tax bill?
If your loan is escrowed for taxes and you receive a tax bill, please forward to TruHome's mortgage servicing department at tax@truhome.com.
What’s happening with my loan? Colonial said they don’t have it and TruHome doesn’t have it either.
Your loan is in the middle of a planned servicing transfer, and there is a short period where it may not show in either Colonial’s or TruHome’s system. This is completely normal during a transfer.
Colonial will continue accepting payments through February 27, and TruHome officially takes over servicing on March 2. During this transition window, your loan data is moving between systems, which is why neither servicer may see it yet.
The important thing to know is that you are fully protected under federal servicing transfer rules — no late fees and no negative credit reporting are allowed for the first 60 days of the transfer.
If you need to make your March payment after February 27, you can send it directly to TruHome at:
TruHome Solutions, LLC
Mortgage Payments
P.O. Box 219958
Kansas City, MO 64121-9958
You will be able to create your online account and set up automatic payments once you receive your welcome letter from TruHome Solutions in the mail.
As soon as your loan finishes boarding into TruHome’s system, you’ll be able to see it and make payments normally. Your official Welcome Letter from TruHome will be sent the week of March 9 with full instructions.
Upcoming Fee Schedule changes
Periodically we review our fees to ensure they’re adequate to cover costs, are in alignment with other providers, and reflect our values as a not-for-profit credit union.
Except where indicated, the fee changes are to existing fees, not new fees. We have also eliminated some fees.
Fee Schedule Changes - Effective March 19, 2025
| Abandoned Account (after 3 years of inactivity) Remaining balance escheated to state per legal requirements. |
$100.00 |
| Document Request (per item) Check copies, duplicate statement copies, copies of tax documents, custom letter. |
$3.00 |
| Statement Copies Statement copies may be downloaded from online banking at no charge. 1 year of copies 2 years of copies 3 years of copies |
$25.00 $40.00 $50.00 |
| Inactive Account Fee Assessed monthly after 12 months of inactivity. Waived for members 24 and younger or if balance is $1,000.00 or greater. |
$10.00 |
| Return Mail Fee (new fee) Assessed when item returned due to bad address. |
$5.00 |
| Research Request (per hour) | $35.00 |
Eliminated Fees: Locator Fee, Missing Documentation Fee, Rush Title Fee, and Share Secured Credit Card Setup Fee
Fee Schedule Changes - Effective August 1, 2025
| Card Reissue (new fee) Assessed during rolling 12-month period. No charge for first 4. |
$10.00 |
| Card Rush Order | $35.00 |
| Cashier’s Check | $5.00 |
| Currency Ordering (new fee) $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00+ Abandoned Orders |
1.25% 1.50% $1,500.00 $100.00 |
| Foreign Item Processing (Canadian) | $25.00 |
| Foreign Item Processing (non-Canadian) | $45.00 |
| Paper Statement Assessed if member chooses to receive paper statements by mail (excludes Visa statements) |
$2.00 |
| Wire Transfers: Domestic Outgoing (in person) Domestic Outgoing (by phone) International Outgoing (business accounts only) Ancillary Services (returns, amendments, traces, service messages) |
$20.00 $25.00 $50.00 $10.00 |
Eliminated Fee: Returned Deposit Item (excludes maker to maker)
For the current fee schedule, visit ArizonaFinancial.org/Disclosures.
©2026 Arizona Federal Credit Union
