• A major feature with in this section is our Loan Consultant. This allows you to keep the Mortgage Department open 24/7. Members can explore their mortgage options by answering a few questions. Members are then presented with their loan options based on the Credit Union's product and underwriting parameters. Closing costs are clearly presented and will dynamically change based upon factors such as property type, transaction type, location, number of units, etc. Another great feature is the Rate Tracker. Members can subscribe to a service which will notify them when rates have reached a level that they have selected.

The Application

• Without question the best application available in the marketplace. The application is streamlined, and will provide an approval to credit qualified members within minutes from the start of the application. This approval is based on a credit report obtained from your vendor and the automated underwriting recommendation from Fannie Mae's Desktop Underwriter®. The Desktop Underwriter® findings are interpreted by our platform in a fashion that is easy to read for the member. The approval letter is configurable to the Credit Union's standards. Online Disclosures are an option to alleviate time, staff costs, supply costs and the hidden cost of not disclosing in a timely fashion. Additional features include the ability to select when, even if, the Credit Union will collect prior to initiating the process.

• An outline of the mortgage process is presented. Sections for First Time Home Buyers, Purchasing and Refinancing define each step of the process and lists information that the member will need. Members can also obtain preliminary disclosure information (with the optional disclosure feature activated) such as HUD-1 settlement books, When your Home is on the line, TIL terms, etc.

• More. Members can explore insurance information, view your privacy statement or use any of the robust purchase, refinance or amortization calculators. The calculators help First Time Home Buyers tools to determine how much of a house they can afford and whether they should rent or buy. There is even a pre-qualify feature that members can receive a free pre-qualification based on the information they supply.