Our Approach

In today’s incredibly regulated mortgage lending world, CU Lending provides credit unions the ability to:

1. Control the mortgage loan process
   • The potential customer calls come directly to you
   • You are the first person the member talks to!
   • You are the person the member gets their approval from!
2. Stay in compliance with all state & federal mortgage lending regulations
3. Offer great rates
4. Access to a multitude of loan products available in today’s market
   • FHA & VA loans
   • Conventional loans of all kinds
   • Jumbo loans to $5,000,000
5.  Consistent email updates on the status of your members’ loans

Our mode of operation is unique and beneficial to you.

Our goal is to empower the the Credit Union by giving them ultimate control over the loan process. Credit Unions  offer all mortgage loan products in full compliance at huge discounts to their members.

Increased capability to offer Mortgage products

Whether your member is looking for FHA, VA, ARMs (3 year, 5 year, 7 year or 10 year fixed), or conventional loans from $75,000 to $5,000,000, the CU Lending program allows you to offer them all.

Beneficial Partnership in the New Era of Real Estate.

We allow you to focus on where you excel and we focus on what we are good at . We will handle all the compliance, marketing processing and underwriting mortgage loans, while you concentrate on providing exceptional service to your members.

Marketing is handled.

We help you market the loan products your members want and allow the calls to come directly to YOUR STAFF so that they can do what they do best: Please your members. And by allowing the call to come directly to your staff, you’re always aware of what’s going on with each member and know what they are interested in. More control for you. That is what we are about.

You remain in control of the process!

The truth is that many credit unions do not have the capability to compete with the big banks or brokers when it come to service mortgage loans. A partnership means that you will have:

• The ability to offer all of the different types of mortgage loan products needed by your members
• Gain valuable lending relationships
• Have a seamless lending ability
• Have the capacity to fund all of your member’s loans
• Keep up with all the industry’s new regulatory changes…

Members will be able to talk directly to your credit union’s staff when applying for a mortgage loan, because they will feel more comfortable and feel that the crdit union is working with them to get their mortgage loan. Our system allow Credit Unions to be able offer every available mortgage product in the  market today.

All you need to do is take the application! We’ll handle the rest.

Your staff simply need to enter the information on our website and we’ll take it from there.

An email will be sent to the member introducing our relationship (complete with your logo and a message from your CEO or Lending manager) – we then speak to the member and explain our relationship to your credit union. We make sure all of their questions are answered, that they understand the loan they have applied for, and we instruct them that we will be sending them their initial loan disclosures and request for information work sheet. We explain the loan process, the loan time line and make sure they are comfortable with the process.

All you do is take the loan application information and quote the rate. Once approved, you congratulate your member with the approval and collect the conditions! Your staff remains the key communication channel to your member so that you can continue to stay in control of the process! Our system sends out email loan status on every file. You and your member get updates continuously throughout the process. You will always know where a file is in the system!

You can portfolio loans you like. You get the First Right of Refusal on every loan

If you wish to portfolio the loan, the loan is yours. Simple as that. We charge our administration fees for processing and docs, and you keep the loan. If you want us to purchase the loan, no problem, we fund the loan. Simple.

No Long Term Contracts

If our service, incredible rates and compliance partnership does not keep you happy with our performance, then we don’t feel a contract should. We do not ask you to enter into a long term service contract. Period.

Your Mortgage Problems are solved!
You found your solution!

So let’s review, CU lending allows you to:

• Remain in Control of the mortgage loan process
• Stay in Compliance with all State & Federal Mortgage Lending Regulations
• Offer Incredible Rates
• Offer Every Loan Product Available in today’s market
  • FHA & VA Loans
  • Conventional Loans of all kinds
  • Jumbo Loans to $5,000,000
• Receive Email Status Updates on your member’s loans
• Educate staff and personnel on new compliance rules and regulations.

Contact Us Today!

Contact us to begin  offering your membership the best way to obtain a mortgage loan.

Tracina Johnson – CU Operations Manager
(925) 634-6700