Mortgages Are More Than Just Loans

June 2025

Too many people today feel their dream of homeownership is slipping beyond their reach. It’s a painful truth with a devastating impact on your community and your members.

The situation today is very similar to what people experienced the last two years. Rates are volatile, home prices continue to climb and people today remain caught between wanting to buy and knowing how or when they will be able to.

But credit unions are exactly the kind of lifelong financial partner the next generation of homebuyers need.

So now is the time to help members get ready. For when the right home hits the market. For when rates drop to that magic number. And for credit unions to have their strategies in place when that moment arrives.

After all, credit unions make it their mission to help people live better lives. Helping them become homeowners isn’t just an opportunity to increase loan volume—it’s fulfilling our promise. And it’s also the start of decades of financial partnership in other areas of their life.

Keys to a successful mortgage strategy

Whether you’re thinking about launching or expanding your mortgage offerings, one thing remains true: your members know you, trust you, and turn to you for financial guidance. Most lenders would say that “building relationships” is the hardest part of growing a mortgage program—but that’s where credit unions have the edge.

You can build on that advantage by delivering a simple, fast, and seamless experience. Achieving that takes more than a loan—it requires the right blend of technology, education, marketing, and service. That’s where Member Advantage Mortgage can help.

We work with credit unions to support a variety of approaches—whether you want to retain loans on balance sheet or access the secondary market to serve more members without adding balance sheet strain. With MAM, you can offer a full suite of mortgage options, test what resonates with your membership, and get new programs to market quickly. Your members benefit from smart affordability tools like calculators, budgeting resources, and branded digital education—all designed to build confidence and readiness.

For decades, checking accounts have been the gateway to membership. Today, mortgage lending offers a powerful opportunity to strengthen loyalty and support long-term growth.

You and your members have a unique opportunity

While it’s true your members still want to own a home, many are unsure if now is the right time. They need YOUR help to understand their options and be prepared to jump when the right opportunity comes along.

At Member Advantage Mortgage, we provide the full-service support continuum you need to build a mortgage program or make your current one stronger. Let’s start with a confidential conversation. Please send me a message, and I’ll be in touch shortly.

Jim Mitchell
(616) 466-7793
[email protected]

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Disclaimer:

This information is solely for credit union and mortgage professionals and should not be distributed or provided to consumers or the general public.

This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Certain restrictions may apply. All approvals subject to underwriting guidelines. Not all applicants will qualify. Member Advantage Mortgage, LLC is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Member Advantage Mortgage, LLC NMLS #1557. Alabama Consumer Credit License # 22717. Arkansas Combination Mortgage Banker-Broker-Servicer License # 104160. Colorado, Regulated by the Division of Real Estate, Mortgage Company Registration NMLS ID # 1557; check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm. Connecticut Mortgage Lender License # ML-1557. District of Columbia Mortgage Lender License # MLB1557. Delaware Lender License # 011515. Florida Mortgage Lender License # MLD781. Georgia Residential Mortgage Licensee, License # 36659. Louisiana Residential Mortgage Lending License NMLS ID # 1557. Massachusetts Mortgage Lender License # ML1557. Maryland Mortgage Lender License # 06-19371. Michigan 1st Mortgage Broker/Lender/Servicer Registrant # FR020440. Licensed by the North Carolina Commissioner of Banks, Mortgage Lender License #167098. Licensed by the New Hampshire Banking Department. New Hampshire Mortgage Banker License # 14242-MB. Licensed by the New Jersey Department of Banking and Insurance. New Jersey Residential Mortgage Lender License NMLS ID # 1557. Licensed by Pennsylvania Department of Banking. Pennsylvania Mortgage Lender License # 33868. Rhode Island Licensed Lender, License # 20112778LL. South Carolina Mortgage Lender License #1557. Texas Mortgage Banker Registration NMLS ID # 1557. Licensed by the Virginia State Corporation Commission, Virginia Lender License # MC-5045, Virginia Broker License #MC-5045. NMLS ID # 1557.

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