About Us

“Partner Name to appear here” can provide you with a home mortgage loan that best fits your personal needs.  From first, second, and home equity mortgage loans, we have the loan that is right for you.  If you are looking to buy your first home or if you want to take advantage of current rates to lower your monthly payment, “Partner Name to appear here” can help you.  In order to provide you with the best possible service and loan terms, we have teamed up with FEMBi Mortgage (First Equity Mortgage Bankers, Inc.) to process and approve home loans for our members.

The ”Your Home Loan Toolkit” booklet explains the most important steps that you need to take to get the best mortgage for your personal situation.  The Toolkit will help you get a better understanding of the closing costs associated with the purchase or refinance of a home loan.  In addition, the Toolkit explains how your credit and credit scores affect the interest rate and fees that you will pay, and provides you with interactive worksheets, checklists, and additional instructive resources.  Please click here to download the “Your Home Loan Toolkit”.

Mortgage Calculator


Steps for buying a home:

1. Get pre-approved
With a pre-approval, you have a head start on the process, and the seller will know you are a serious and able buyer. 

2. Start searching for a home
If you are not working with a realtor, we can refer you to one that specializes in your area. You will be matched with all the listings that fit your needs. The best part? It’s completely free.

3. Sign a purchase agreement
Once you’ve found your home, you’ll sign a purchase agreement. With your pre-approval, you already have a head start on the process!

4. Close on your mortgage
This is where FEMBi clients reap the rewards. You’ll close quickly, which means youll be in your new home soon.

5. Move in!
There’s nothing like the feeling of moving into a new home.  You may come up with new questions after settling in. Our experts will answer your questions for the life of your loan.


Why refinance?

  • Take advantage of today’s historically low rates and reduce your monthly payment.
  • Convert your adjustable rate mortgage into a secure, fixed-rate loan.
  • Consolidate your first and second mortgages into a single low fixed-rate loan.
  • Pay off your other debts and possibly save thousands.
  • Pull out some cash to build a pool or a new kitchen.

Reverse Mortgage

What is a reverse mortgage?

A reverse mortgage loan allows homeowners over the age of 62 to access their home equity and eliminate their monthly mortgage payment.  The homeowner would only be responsible for payment of property taxes, homeowners insurance, and association dues, if applicable.

Step-by-Step Process


  • Speak with us!

Contact our licensed loan originators now to find out if a reverse mortgage is right for you.

  • Get counseling.

Because reverse mortgages are a big step for any homeowner, the Department of Housing and Urban Development (HUD) requires that all applicants receive third-party counseling to explain all the available options and details. We’ll provide a list of counselors for you to contact.

  • Fill out an application.

At this time, we’ll work together to help you choose the best type of reverse mortgage for your needs.

  • Processing

This is where we get to work for you! This behind-the-scenes work includes an appraisal, title search, lien payoff and a lot more!

  • Underwriting

Our underwriters will review your documents for completeness.

  • Closing

Everything is completely approved by all parties and final signing takes place. We’ll set everything up; you just bring your pen.

  • Disbursement

As with all home refinance loans, the right of rescission period takes three business days. Any debts you’d like included are paid and you can feel secure knowing you’ll never have to make a mortgage payment again.

  • Repayment

For the life of the loan, you do not make monthly mortgage payments to your lender. Reverse mortgages become due when the borrower(s) no longer occupies the home. If death of the borrower occurs, the heirs/estate may repay the loan from the sale or refinance of the reverse mortgage loan.