Neighborhood Mortgage Solutions – Trusted Solutions, Credit Union Values

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Trusted Solutions.

Credit Union Values.

Home Dreams

We make them a reality.

Home Dreams.

WE HELP MAKE THEM A REALITY.

Dreams to Reality.

SOLUTIONS FOR YOUR MEMBERS.

Home Dreams

We make them a reality.

Home Dreams

OUR SOLUTIONS MAKE THEM A REALITY.

The CU Difference

OPEN YOUR EYES TO A CREDIT UNION.

Dreams to Reality

MORTGAGE SOLUTIONS.

People Helping People

CREDIT UNION PHILOSOPHY.

Home Dreams

We make them a reality.

Neighborly Solutions

PEOPLE HELPING PEOPLE

Trusted Solutions.

Credit Union Values.

Home Dreams

We make them a reality.

Home Dreams

We make them a reality.

Welcome to Neighborhood Mortgage Solutions.

We are a Credit Union Service Organization (CUSO) providing mortgage services to fellow Credit Unions.

Who We Are

Neighborhood Mortgage Solutions is a Fannie Mae and Freddie Mac mortgage origination shop. We are seller/servicer approved with Fannie Mae, Freddie Mac and USDA-Rural Development.

We use the web-based and paperless Mortgage Cadence loan origination system. We are a credit union owned mortgage CUSO.

Our Promise

NMS helps credit unions offer a competitive mortgage product to their members with a competitive interest rate and low closing costs. In return, credit unions earn income from the sale and servicing of the member’s loan.

Once the loan is sold to Fannie Mae or Freddie Mac, we do not sell the loan to another investor. We service the loan for the life of the term of the loan.

What We Offer

NMS offers fixed rate and adjustable rate mortgage loans. The terms of mortgage range from 10 years to 30 years. We offer Private Mortgage Insurance (PMI) for those with less than 20% down.

We also offer Home Equity Lines of Credit, Home Equity loans, Construction loans and a Rural Development loan with zero down.

Our Process

Credit union members work with their credit union loan officer and NMS teams from application through processing, underwriting, closing, servicing and loan payoff.

The member has the ability to make their monthly mortgage payment at the credit union teller window.

>> Looking for Info to Prevent Foreclosure? Click Here for Assistance Options.

*Licensed by the Department of Financial Protection and Innovation under California Residential Mortgage Lending Act.

Licensing

Neighborhood Mortgage Solutions holds residential mortgage licensing through the Nationwide Multi-state Licensing System & Registry (NMLS) in more than 20 states, listed below. Licensed by the Department of Financial Protection and Innovation under California Residential Mortgage Lending Act.

Alabama | California | Colorado | Connecticut | Florida | Idaho | Illinois | Indiana | Iowa | Louisiana | Maine | Massachusetts | Michigan | Mississippi | Nebraska | New Mexico | North Carolina | Ohio | Oregon | South Carolina | South Dakota | Washington | West Virginia | Wisconsin

Our Mission

To enhance the mortgage product offerings for all Credit Unions, be it owners or affiliates, by way of the diverse mortgage products offered and by keeping each Credit Union’s mortgage origination and servicing income in the communities they serve.

People Helping People

We are an extension of our Credit Union partners and as a Credit Union Service Organization (CUSO) extend the philosophy of “People Helping People” to their members. Meet our leadership team, here to help you.

Why NMS?

Partnering with a mortgage CUSO provides stability for a Credit Union’s staff and members. Our team is comprised of specialized mortgage experts that provide solutions – it’s what we do every day. Learn more about partnering with us. We strive to provide above and beyond service to your members.

Credit Union Partnerships

100%

Diverse Product Offerings

100%

Cooperation With Federal Lenders

100%

Support the Nationwide Credit Union Movement

100%

"We joined NMS because of the reputation they have in helping Credit Unions and their members. We also wanted to enhance our Mortgage Department and reach a wider range for our members. This is the beginning of a great partnership not only for us, but for our mortgage team and our members!"

Kyle Gurzynski, CEO
Filer Credit Union (Michigan)

"We decided to partner with NMS because their model gives us the opportunity to strengthen our relationships with our members."

Jeremy Smith, VP of Lending
Affinity Credit Union (Iowa)

"We chose NMS because of their great reputation for providing exceptional service to the Member and to the Credit Union."

Philip Heinlen, CEO
TRU Federal Credit Union (South Carolina)

"Our partnership with NMS has been very rewarding; in just 16 months we have helped our members secure $10M in FNMA loans. The peace of mind knowing our members are receiving great service is priceless."

Laurie Aultman, VP of Mortgage Lending
San Antonio Citizens Federal CU (Florida)

"Thank you and your staff for taking such great care of us! I’ve been in this business a long time and you guys are by far the best!"

Sherri O’Neil, Mortgage Loan Originator
Awakon Federal Credit Union (Michigan)

“Thank you for doing a tremendous job processing, underwriting and closing loans. With your help I was able to close my member mortgage in 21 days.”

Bicki K. Dhillon, Mortgage Lending Manager
Northstar Credit Union (Illinois)

"I'm impressed by the amount of features and options. However, what I like most is the fluency and easiness of the user interface; which makes it fun working with these options. Way to go!"

Yvonne Trujillo, Real Estate Dept. Manager
Zia Credit Union (New Mexico)

"Our team has done it again! A Refi application was taken on 10/29 with a current NMS/CommStar member - a cash out refi with appraisal waiver. Clear to close on 11/5. It works!"

Mark Patterson, Loan Officer
CommStar Credit Union (Ohio)

"We decided to partner with Neighborhood to be able to offer our members a wider variety of mortgage options with better pricing than our current vendor. We are wishing we had made the switch earlier."

Cindy Harrison, President/CEO
Straits Area Federal Credit Union (Michigan)

"Greenwood Municipal FCU chose NMS because of their great reputation for providing exceptional service to the Member and the Credit Union."

Philip Heinlen, CEO
Greenwood Municipal FCU (South Carolina)

"The reason we decided to partner with NMS is because their model gives us a great opportunity to strengthen our relationships with our members."

Jeremy Smith, VP of Lending
Affinity Credit Union (Iowa)

Cindy Harrison, President/CEO
Straits Area Federal Credit Union (Michigan)

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How can we help you?

Website Accessibility: Neighborhood Mortgage Solutions is committed to ensuring accessibility of our website for people of all abilities. If you have a disability and encounter an issue with accessing any part of our website, please let us know by calling us at: (989) 497-1651

Please let us know the nature of your accessibility needs, the specific web page, your name and contact information so we can reach you in the event we need to gather more information for you.