The Pieces of Our Full-Suite Mortgage Offering
We are a full-service mortgage provider enabling Credit Unions to offer competitive mortgages in their communities. We offer a comprehensive suite of mortgage solutions to fit the unique needs of your members.
- Conventional Fixed Rate Loans (10, 15, 20 and 30 year)
- 1 year, 5/1, 7/1 and 10/1 ARMS
- FNMA HomeReady
- USDA (Rural Housing)
- FHA/VA Loans
- FHLB Topeka
- Second Mortgages
- Construction Loans
We have a full team of mortgage processing associates who will gather information to help you get each file from pre-approval to closing. Our processors ensure proper loan information is entered into the system and that all loan documentation is complete and in compliance. They partner with your loan officers to verify loan documents such as income and credit appraisals and they prepare all documentation necessary for underwriting and closing. We offer the flexibility you need to obtain the level of support required to process a full-suite of mortgage offerings.
We take the hassle out of servicing your mortgage loans. We stay abreast of compliance changes. Our technology is best-in-class and our servicing team knows how to take care of your members after closing. You and your members will never have to wonder who to contact with questions about mortgage loans.
Most importantly, when we purchase your agency loans, we consider ourselves an extension of your Credit Union. Preserving your relationships with your members is one of our most important aspects. Our co-branded monthly mortgage servicing statements let you keep your name in front of your member each month. The benefits of co-branded servicing:
- No setup or monthly fee
- Statements have your Credit Union logo on them
- You can promote your products with statement stuffers
- The borrower can make payments at your branches
- New loan and refinance inquiries are directed back to you
- Borrowers can ask questions to a real person with real expertise
Some Credit Unions have difficulty accessing the mortgage secondary market, and others prefer selling mortgages servicing released to a lender who will not cross-sell their members. A partnership with us accomplishes both. It provides Credit Unions with access to a full-suite of FannieMae, FreddieMac, FHA, USDA and VA loans. With these partnerships, we are able to offer competitive pricing to you and your members, so that you can dominate your market with a Credit Union mortgage.
We also know mortgages provide a strong foundation for a long-term member relationship. By partnering with us, your Credit Union has access to leading secondary market providers while maintaining your brand front-and-center with your member through our unique co-branding solution.
Training — It is impossible to overstate the amount of change that has occurred in the mortgage industry in the last decade. Staying abreast of the very latest regulatory and investor policy changes is a full-time occupation. Our dedicated training staff is here for you. Partnering gives you a deep bench of resources to keep your mortgage program humming.
- Tailored on-boarding training
- Ongoing web-based training on products, regulations and technology upgrades
- Annual training and meeting
Technology — With the cooperative buying power we deliver, your Credit Union has access to world-class technology that makes the mortgage process simple for you and your members. As our partner, you have access to secure and affordable technology for origination, processing, closing and document imaging, all on one simple-to-navigate platform. Ease regulatory worries with integrated compliance tools, supported by our experienced staff.
Your Credit Union has full access to your member servicing data — for read-only or transactional purposes. Even if you’ve sold the loan to us, your Members can make their monthly payments through your tellers. Our goal is to make it easy for you and your Members to conduct mortgage business.
Staffing — We strive to be a true partner to our Credit Unions. Great products alone don’t sell mortgages. Our servicing team has decades of mortgage experience. We know what is going on in the industry and we keep our Credit Union partners in the loop.
As technology changes, our staff works with yours to help you work faster and smarter, and get the most out of the data available. Our mortgage experts are dedicated to providing you the resources you need for a turn-key mortgage program. And we’re available to you when you need us!