For you

SIT BACK AND ENJOY:

• An on-site mortgage loan officer who provides immediate member service
• A new, reliable revenue stream
• A mortgage process tailor-made for your market
• No additional workload

We meet with you on a monthly basis to compare your guidelines to what is current in the secondary market. You have access to all secondary market products and automated underwriting services, including Fannie Mae's Desktop Underwriter and Freddie Mac's Loan Prospector.

You have the option to place any loan in your own portfolio and can use any secondary market product that meets the special needs of your credit union and your membership. All loans will be underwritten to secondary market standards and you can broker any - or all - mortgage loans on the secondary market.

You incur no cost - or long-term obligation - for our services, including the option of a licensed and bonded mortgage professional working within your branch or branches. Southern Funding Alliance compensates office space rental at fair market value.

For your members

OFFER YOUR MEMBERS CUSTOMIZED MORTGAGE SOLUTIONS:

• Personalized, pro-active attention
• The latest loan application and funding technology
• Lower loan costs

With our focus on understanding members' needs we initiate communication and schedule face-to-face meetings to complete paperwork, explain details and answer questions. We stay on top of the process and keep members informed each step of the way. And for busy people who prefer to work online, our website is intuitive and simplifies this process.

Your members gain access to all types of mortgages - over 150 loan products - and we identify and present creative options to meet individual member needs. Through the use of cutting-edge technology we qualify borrowers instantly - or within 48 hours - and our rapid close rate quickly puts them in their new homes.