We Provide Compliant Mortgage Processing for Credit Unions

Enjoy stress-free and hassle-free mortgage loan processing that keeps your Credit Union in compliance with all Federal, State and NCUA Rules and Regulations

Serving Arizona, California, Colorado, Idaho, Montana, Nevada, Oregon, Washington

Our dedicated staff has over 75 years of combined Credit Union Specific Experience

What We Do For You

We take the stress and uncertainty out of processing mortgage loans and keeping your Credit Union in compliance with all current Federal, State, and NCUA Regulations. Through our processing services, we ensure that your Credit Union is always in compliance with all current lending federal and state laws and regulation. Understanding and following all of the guidelines can be confusing and time-consuming. Knowing the rules and regulations of the Consumer Financial Protection Bureau (CFPB), TRID, Dodd-Frank, NMLS, Department of Business and Oversite (DBO), and how it all applies to your Credit Union. We have a proven track record and have been working with Credit Unions for nearly 15 years. We have been a trusted partner and have evolved with the Credit Union industry and the priorities within the membership. We keep the mortgage loan process smooth and stress-free for the credit union staff so that everyone can focus on what really matters, building new relationships and maintaining excellent customer service.

Meet NCUA Compliance Requirments

Processing Mortgage Loans requires in-depth knowledge of the current and ever-changing mortgage lending laws. We will ensure that your Credit Union will follow all lending laws and pass all your examiners audits.

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Eliminate the Stress of Mortgage Compliance

Our mortgage processing services are ideal for credit unions who are currently funding their own mortgage loans or for Credit Unions who want to start funding their own mortgage loans - and would like to ensure that the loan processing is fully compliant with federal and state regulations. Let us help you explore these possibilities. We work with Credit Unions of all sizes and the one thing we have learned is that each Credit Union has its own unique approach to best accommodate its members. We want to support and accentuate that approach, not change it!

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We Are Mortgage Experts

Our processing staff is made of up mortgage experts. We have years of current day experience as loan officers and processors. Our staff consists of a Team of residential lending professionals who have an extensive knowledge of Fannie Mae and Freddie Mac, agency guidelines. This Team of individuals has been providing this service to Credit Unions in California and understands what the credit unions need in a mortgage processing partner. We have funded over 1.3 billion dollars since 2011 and have evolved and adapted with all of the ever-changing Residential Mortgage environment. We would like to share that experience with you and your staff and have developed a unique system just for Credit Unions. Our Chief Compliance Officer has been working with NCUA Auditors since 2011, so we know what is needed for a successful mortgage audit.

What We'll Do For You

Track all your mortgage leads with an active Pipeline Report accessible to you and your staff.

Provide your credit union with a First Right or Refusal (FROR) form & package for your credit union to approve or deny. This will be the first step after the member has applied

Communicate with the member on items needed in accordance with your credit union's requirements. Coordinate with your staff so that this process is seamless to your members

Credit Union Staff and Members can check real-time rates with our up-to-the-minute rate/loan calculator

Open and manage escrow

Provide disclosures to the members with the terms that your credit union provides as part of the First Right of Refusal (FROR)

Order and track the appraisal

Order any verifications that your credit union requires (i.e. VOE, SSA, 4506T etc…)

Prepare and distribute the CD

Prepare and facilitate final loan documents and signing

Funding and recording of the new loan

Provide your credit union with a closing package obtaining all the necessary items for the examiners review and following Federal and State lending laws. This will include a final internal audi and signoff by our Chief Compliance Officer. We will ensure that each package passes your examiners review.

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