BASKING RIDGE, N.J. — A shaky stock market, a credit crunch, and a mortgage meltdown were the signals that led CUMAnet here (www.affinityfcu.org) to respond with a "Loan Health Check-Up" service for all member credit unions.

CU members' uneasy feelings about growing confusion in markets and the health of their mortgages and overall credit standing spurred CUMAnet to launch a free service to provide credit unions with a solution that gives members peace of mind while relieving smaller loan departments. Members can speak to an unbiased home finance consultant who will help them determine the strength and health of their existing or prospective debts-no matter who the lender is.

The home finance consultant will review and compare their entire debt situation to ensure the member is getting the best rates and terms available; ensure they are fully aware of all terms and conditions their debts include and counsel them on possible ways to improve their debt situation if needed. They also offer to find new ways to save and answer any questions or concerns about a loan.