Marketing and Training:
CUSO of Hawaii will provide marketing assitance and support materials to communicate the availability of mortgage lending services to your members. There are many ways to get the message to your members including statement stuffers, articles in your newsletter, and lobby signs and handouts. We also provide comprehensive training support to prepare your staff to answer members' questions, take loan applications, (if you desire), or direct your members to use the convenient CUSO of Hawaii web site.

The Loan Origination Process:
Our program will allow you to provide immediate pre-qualification, including optional instant credit checks for your members. The first step is taking the loan application properly and completely to offer fast approvals, quick loan closings, rapid funding and easy access to real time loan status. We offer the latest in Internet technology with our web site and loan processing software. Our loan application and mortgage information web site can be hot-linked to your web site and customized to look just like part of your site. We also offer the use of the CUSO of Hawaii website for your members to apply online, view your current rates, and become informed about purchasing or refinancing a home

Loan Product Offerings:
We offer a full range of competitively priced conventional, jumbo, government, fixed rate and adjustable loans, as well as subprime, alternative credit, home equity loans and second mortgages. If your credit union offers a special portfolio product we can easily integrate your offerings with the full menu available to your members, or simply spotlight your offerings.

Loan Servicing/Compliance:
Our convenient loan processing service assists you in processing your loans according to secondary market standards and all compliance and regulatory guidelines. In the event that you outsource your processing to us, you can be assured that all compliance and regualatory guidelines are followed. The affiliate program with CUSO of Hawaii allows the credit union to engage in mortgage lending in full compliance with all laws and regulations pertaining to mortgage lending, including the Real Estate Settlement and Procedures Act (RESPA) and Regulation X, the Truth in Lending Act and Regulation Z, the Equal Opportunity Act and Regulation B, the Home Mortgage Disclosure Act and Regulation C, the Federal Credit Union Act, and Regulations of the NCUA.We even take care of your HMDA reporting. The Home Mortgage Disclosure Act can be a cumbersome process, but CUSO of Hawaii is well experienced to handle this process for all mortgage loans that are processed through our system.

We also offer a complete loan servicing program. When your mortgage loans are serviced locally through CUSO of Hawaii, all account information and loan billing goes out in your name. Our loan servicing department is fully compliant with all RESPA, and agency reporting regulations and requirements.

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