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About Us

Welcome to Credit Union Financial Services - CUFS - the mortgage company for Credit Union Members!

CUFS is owned by four Georgia credit unions. These credit unions joined together to provide mortgage services for members who were seeking affordable and trustworthy mortgage products. They wanted a mortgage CUSO that had members' best interest in mind when securing a Home Mortgage and at the same time, considered the best fit for members' financial goals and their future financial security.

Our Licensed Loan Originators & Mortgage Servicing Staff:

Debra Sibley, Loan Originator
NMLS License #713302
GRMA License #46220
678-658-4476 Direct

David Gowen, Loan Originator
NMLS License #160948
GRMA License #32604
404-234-2139 Cell


Jim Dymek, Sales Manager
NMLS License #437934
GRMA License #59850
404-966-8545 Cell

Michelle Baskett, Servicing Manager
NMLS License #787995
GRMA License #33044
678-658-4472 Direct


Ken Obiecunas, Sales Manager
NMLS License #575720
GRMA License #56025
678-658-4473 Direct
412-260-5004 Cell

Pamela Hunt, Loan Originator
NMLS License #664127
GRMA License #54107
678-658-4470 Direct


Paul Totman
Loan Originator
NMLS License #195494
GRMA License #26523
678-859-4786 Cell


The following credit unions are owners of CUFS and each of these Credit Unions' CEO's holds a seat on the Board of Directors of Credit Union Financial Services:

Excel Federal Credit Union
GEMC Federal Credit Union
Peach State Federal Credit Union
Members First Credit Union

CUFS opened its doors in 1993 and is proud to be the mortgage lender of choice for more than 40 credit unions.

Benefits of Using CUFS for Your Home Loan Needs:

  • Lower closing costs than at banks and mortgage companies
  • Private Mortgage Insurance is discounted for credit union members.
  • Personal attention to each member's financial goals and future financial stability.
  • Approved Seller/Servicer with Fannie Mae (Federal National Mortgage Association) & Freddie Mac (Federal Home Loan Mortgage Corporation).
  • We also offer a wide range of mortgage products including fixed and adjustable rate loans, Second Home Mortgages, and Investment Property Loans for both purchase and refinancing.