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In a heavily regulated industry like financial services, innovation can seem daunting. There are so many regulatory hoops to contend with, not to mention a fierce aversion to risk. But as Jerome Emanuel, Chief Lending Officer at Alternatives Federal Credit Union has discovered, if you focus on solving a proven problem and finding ways to say yes, the doors that end up opening just might surprise you. Jerome joins us for this month’s episode of The Remarkable Credit Union podcast to discuss Alternative FCU’s game-changing FAIR Mortgage product, including what inspired it, how they got it off the ground, and what the results have been to date. He also addresses this month’s BIG question: How can a financial product address systemic inequality, and what risks are entailed in changing the rules of the “game?” Catch the full episode: https://lnkd.in/gPsxgZW9

📣 Agents & Lenders! Are you signed up for our Partner Digest? If not, here’s a little taste of what you missed from our monthly newsletter. Sign up for our email blasts today:  https://lnkd.in/gHntTpEa  #realestatenews #realestateadvice #realestatetips

If buying your first home is your goal in the next 12 months what's the best first step to take? I'ts easy team - Book a call to chat with me! I'll be able to talk you through what the lender's current policies are & a game plan of how to approach the journey for you. What is allowed with each of the lenders is so different at the moment, if you talk to your bank directly you could be missing out on knowing about the options with a range of other lenders. Pop me a PM & I'll send you through the link to my calendar, just 20 minutes & you will know where you are at & what your next steps are! #queenofstraightupadvice #northlandshomebuyingspecialist #northlandsempireprotector

📽️ Sneak Peek Alert! 📽️ Curious about reverse mortgages? Get a taste of our latest YouTube episode with this short clip featuring Jon Sowerby from Verico TvH Mortgages! 🏠🌟 Dive into the highlights and get ready to be enlightened. It's financial wisdom in a nutshell! 🌰💡 👉 Watch the full video for a comprehensive guide: https://lnkd.in/gw4_ZuJy Like, share, and comment to join the discussion! Your insights matter. 💬 #Shorts #ReverseMortgageBasics #FinanceInFocus #VericoTvHMortgages

📽️ Sneak Peek Alert! 📽️ Curious about reverse mortgages? Get a taste of our latest YouTube episode with this short clip featuring Jon Sowerby from Verico TvH Mortgages! 🏠🌟 Dive into the highlights and get ready to be enlightened. It's financial wisdom in a nutshell! 🌰💡 👉 Watch the full video for a comprehensive guide: https://lnkd.in/gw4_ZuJy Like, share, and comment to join the discussion! Your insights matter. 💬 #Shorts #ReverseMortgageBasics #FinanceInFocus #VericoTvHMortgages

As a lender, would you rather lend to someone who: 1) Manages their bank account to a really low dollar amount but never has an overdraft fee 2) Someone who asks for a $550 loan but refuses a loan for $600 Trick question - they could both be great customers because they know the details of their finances down to the penny. But as a lender, you wouldn't know this if you didn't utilize cash flow underwriting data. Combining cash flow with credit bureau data can be the sweet spot a lot of lenders are looking for. Check out the takeaways from our talk with Nikki Cross of Nova Credit. Listen to the episode here: https://lnkd.in/gxFpiRQR #CashFlowUnderwriting #CreditData #EnsemblexExchangePodcast Shawn Budde Mike Armstrong

Feeling stuck in a financial relationship that’s not working out? 💔 It might be time to break up with your old loan and embrace a fresh start! 🌟 Refinance today and turn your financial frustrations into freedom. Say goodbye to high rates and hello to savings! 💸✨ Ready to make the switch? Let's chat! #RefinanceFreedom #FreshStartFinance

Helping Clients Avoid Credit Mistakes with Fix Bad Credit 💳❌ Credit and debt management myths can mislead even the savviest clients. Myths like 'only bad credit scores matter' can keep them from improving their financial health 🏦💼.  At Fix Bad Credit, we work closely with finance and mortgage brokers to educate their clients and provide the tools they need to overcome these challenges 🤝💡. 🛠️ By partnering with us, you can help clients achieve their financial goals faster and with fewer obstacles. ✅ Reach out to learn more: https://lnkd.in/gP9zQEgH Let’s bust these myths together! 💥✨ #CreditRepairExperts #MortgageAdvice #CreditScoreTips #FixBadCredit #CreditScoreMatters

A great example of why seeking a second opinion can make a difference. This client didn’t give up after an advisor said he had no options. After explaining the clients income structure to multiple lenders, we secured a market-leading rate with a lender willing to take on his case. #mortgageadvice

When you bank with Cogent, you are not just another account - you're a valued partner. We're here to support your goals with personalized service, quick decisions, and a commitment to the community. Let's start a conversation about how we can help your business thrive in the year ahead. #banking #businessgrowth #localbanking #customerfirst #2025goals #payments #lending #finance #deposits