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Our mortgages are serviced by a third party, MidWest Mortgage Servicing. When you make a payment at UMassFive, we send the funds to MidWest, which delays the calculation of your new balance. Rest assured that your payment is effective dated with MidWest to the day you made your payment at UMassFive. You can enroll in MidWest's online service site to view your current balance at any time.