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OUR PRODUCTS

BCU Mortgage Services

We offer TPO Broker & Mini Correspondent Programs that equip qualified financial institutions to originate secondary market-eligible home loans. The financial institution earns compensation for originating loans in compliance with industry regulations.

Conventional

Conventional

  • Purchase and refinance programs
  • Various terms available
  • Private mortgage insurance not required with 20% down payment or higher
  • Home Ready & Home Possible and Manufactured Housing programs

FHA

FHA

  • Purchase and refinance programs
  • Various terms available
  • Lower down payment requirement
  • Allows seller to pay up to 6% of closing costs

USDA

USDA

  • 0% down payment requirement
  • Low monthly private mortgage insurance
  • Flexible credit guidelines

VA

VA

  • 0% down payment requirement
  • Various terms available
  • Purchase or Refinance Programs
  • Manufactured Housing

WITH TPO BROKER CHANNEL:

  • Access to long-term, fixed-rate mortgage products.
  • Have greater customer/member retention and share of wallet.
  • Maintain contact with your customers/members throughout the loan process.
  • Receive a customized and branded online mortgage application to add to your institution's website.
  • Minimize risk to your institution while generating fee income.
  • Select the compensation plan that meets your market competitiveness.
  • Receive all fulfillment processes to close your loans on time, with no additional overhead.
  • Access to our team with extensive experience in secondary market lending to answer your questions along the way.

WITH MINI CORRESPONDENT CHANNEL:

  • Originate secondary market eligible home loans on your own systems and control the process.
  • Register and lock loans with us for delivery into the Secondary Markets.
  • Control the preliminary running of Credit Report and AUS (DU/LP).
  • Control the initial disclosures delivered to the applicant.
  • Process the loan according to DU/LP findings and submit to us for underwriting and document preparation.
  • Access a secure online portal for uploading of documents, pipeline management and loan application review, status.
  • Manage the closing date when clear to close is obtained.
  • Generate fee income.
  • Maintain customer contact throughout the loan process

Contact Our Team

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