With the ever expanding compliance regulations, many banks and credit unions are finding it more and more difficult to offer long term mortgages while staying in compliance with RESPA, HMDA, the Fair Lending Act, the Dodd Frank Act, etc. GMFS developed the Agent program specifically to assist banks and credit unions in offering their customers a variety of mortgage products without the need to maintain an internal compliance staff. Under the Agent program, your institution can offer customers mortgage products, avoid the compliance nightmare, avoid additional staffing needs, and still provide a superb level of customer service. This program will also allow you to offer permanent financing for any construction loans your institution may offer but are fearful of your customers taking not only their long term lending needs to a competitor, but also possibly losing your customers depository accounts as well. Equal Housing Lender. All mortgages are originated by GMFS LLC, NMLS ID #64997 at 7389 Florida Blvd. Suite 200A Baton Rouge, LA 70806. www.nmlsconsumeraccess.org See additional disclosures at http://gmfsmortgage.com/disclosures