Where can I find rates online?
Rates are very fluid and fluctuate based on the various factors of each member. We feel having an accurate rate is very important to set proper expectations from the very beginning of your home application. To do this, we offer rate quotes where you will be asked a few questions to accurately assess your situation and provide you a rate quote before you start your home loan application.
How long does it take to complete and online application?
Our online application takes only a few minutes to complete or as long as it takes to answer a few quick question about your financial situation. Typically, it takes 15 minutes or less.
Who can I call with questions?
Please feel free to reach out to our loan officers or processors at any time here.
What do I do after I complete my application?
Our online application is a comprehensive tool that will provide all the resources you need throughout the home loan process. Once your application is submitted, you’ll use the online portal to view tasks that are assigned to you, see the status of your loan and even send private messages to our team should you need to reach them.
Once you have submitted your application, expect a call from our team to introduce themselves, then you’ll start seeing emails from us explaining different tasks have been assigned to you. You’ll log back into the application to see these tasks and submit documents directly to your loan file.
What do I do if I forget my login to the online application?
Once you have already set up an account within the application portal, go back to the login page. Scroll to the bottom and click the “Already have an account? Sign in here” login link. Here you will see a link to “forgot password”. Click this link and enter your email address to reset your password. If you don’t see an email, check your junk email folder as some email providers may flag this email.
Who will service my loan when we close?
We partner with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285. They will work with an investor to fund your loan and retain servicing on more than 90% of the loans that close.
What does retained servicing mean?
The servicer is the company that manages the maintenance of your loan after you close. They take payments, keep track of homeowners insurance and manage your taxes each year. When they retain servicing, they don’t sell the servicing of your loan which means you always know who to call, where to send payments or where to call if you have questions year after year.