Credit Union Solutions Sales Builder Track
Relationship Builder Track
Business Builder Track
Additional Services CMF ... Your Home Loan Partner

The advantages of CMF's home loan programs are at the heart of the credit union philosophy. We are a credit union-owned mortgage CUSO (Credit Union Service Organization). By partnering with CMF, your credit union will benefit not only from our years of experience, but also from our commitment to member service. CMF will provide your members with home financing options tailored to meet their needs, and deliver excellent customer service to help credit unions increase market share and build loyalty.

Community Mortgage Funding (CMF) understands the importance of building long-term relationships. Our loan officers are fully supported with the latest technology and competitive loans programs, which are designed to assist your credit union in achieving any of the following objectives:

1. Offer effective mortgage solutions your members need, want, and are satisfied with
2. Provide members with professional, experienced, and well-trained mortgage lending management and staff
3. Reduce operating costs
4. Increase market share and build successful relationships with member households

CMF Builder Tracks

Your credit union has unique membership needs and organizational goals. At CMF, we offer three distinct business models to accommodate the level of participation which best suits each credit union. Two of the builder tracks - Sales Builder and Relationship Builder - offer two options, which include:

Option #1 - Credit Union Portfolio Loans:
Loan closes in CMF's name and is funded by CMF. CU (Investor) purchases the loan from CMF. CMF owns the servicing rights. Credit Union receives an income earning asset.

Option #2 - Loans Sold in the Secondary Market:
Loan closes in CMF's name and is funded by CMF. CMF owns the servicing rights.

Sales Builder Track

The Sales Builder Track is designed for those credit unions that want to offer their members loan programs without the associated operational costs:

• Credit Union staff refers a member to CMF. This can be accomplished by a direct phone transfer or by sending CMF an E-mail Referral Form. When a referral form is used by your staff, a CMF Loan Officer contacts your member within 24 hours.
• CMF performs all the mortgage functions of the transaction, including:
  • Origination & Processing
  • Underwriting,
  • Document preparation, Closing & Funding
• CMF will walk your members through the loan process, select the loan that's right for them, and get their loan approved quickly. To facilitate communication, CMF offers an online web portal, "CMF Express", to keep your staff informed of the referral outcome.
• Either the Credit Union Client purchases the loan for their portfolio, or CMF sells the loan to a Secondary Market investor of its choice.

Relationship Builder Track

The Relationship Builder Track is designed for credit unions who want to take a more active role in the application process, and will require dedicated training and allocated resources on behalf of the credit union:

• Credit Union takes the member's loan application, and acts as the main point of contact (Home Loan Advisor) during the initial application phase;
• As the Home Loan Advisor, the Credit Union performs at least (5) origination functions (member counseling, communication, pre-qualification, disclosures, loan closing signing), and submits application to CMF via Mortgagebot Advisor site;
• CMF Loan Officer and Processor are assigned to the loan upon submission, and will perform all processing and servicing functions.
• Either the Credit Union Client purchases the loan for their portfolio, or CMF sells the loan to a Secondary Market investor of its choice.

Business Builder Track

The Business Builder Track is designed for credit unions who want to perform the role of third-party originator, and generate the lender's fee income by managing all origination and processing functions:

• Credit Union will perform all origination and loan processing functions.
• CMF will provide underwriting, closing, funding, and loan servicing functions.
• CMF sells loan to a Secondary Market investor of its choice.

For any qualifying credit union, CMF can support a number of loan programs, including Conforming Loans, Conforming High Balance Loans, Jumbo Loans, or FHA Loans.

Additional Services

With every track, CMF offers additional support and services for credit unions and their members, including:

Loan Servicing

CMF offers a complete Loan Servicing Program to handle any aspect of loan servicing for your members. Some of the services we offer are:

• Member Payments and Inquiries
• Annual Escrow Analysis
• Collection activities include handling delinquencies, bankruptcies, or foreclosures
• CMF can represent your credit union and handle all legal notices and filings

Online Application Services
Loan Origination and Servicing Reports

As a valued client, credit unions have access to the following reporting tools:

• Pipeline Report - this report is available online at "CMF Express", and tracks the progress of each member loan from application, underwriting, through closing.
• Closed Loan Origination Report - delivered by the 5th business day of each month.
• Member Referral Report - this report accounts all members referred to CMF, and is sent by the 5th business day of each month. The outcome of each referral is documented for your review and analysis.
• Accounting Reports - for our loan servicing clients, CMF provides a standard package of reports to meet the needs of accounting, audit and compliance.

Marketing Support

CMF can provide basic marketing concepts and strategies that will allow your credit union to produce a wide variety of marketing materials. You know your members best. CMF has the expertise to help you market home loans across a variety of marketing channels.

CMF welcomes the opportunity to discuss this information with you soon. Simply complete the "Contact Us" section, and a member of the CMF team will respond within 24 hours. The team at CMF looks forward to building a successful partnership with you and your credit union organization.

Today's Featured Rates
30 Year Fixed Rate
Rate	APR	Points
3.625%	3.834%	0.375%
15 Year Fixed Rate
Rate	APR	Points
2.875%	3.282%	0.625%
5 Year Adjustable Rate
Rate	APR	Points
3.000%	3.264%	0.125%