Is a full-service real estate CUSO the next logical decision for credit unions? Let’s examine if this makes sense. Most credit unions have taken the member refinance boom as far as they could and now that the playing field has become more challenging they need to be looking for something to close the mortgage loop.

What makes more sense than to create or join a full-service real estate CUSO and serve the captive audience every credit union already has…their membership?

Can we make sense of this concept and determine what a handful of forward thinking credit unions already know? If you offered first mortgages to your members over the past seven or eight years you certainly learned and enjoyed the significant financial and member service benefits these loans provide. Given the vast majority of those mortgages were refinances you are now faced with the same challenge every other mortgage lender in the United States faces … how to originate your share of the smaller purchase money mortgage market?

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