We Can Help You Do The Math
Disclaimer: Simply fill in the worksheets as shown and work the calculations from top to bottom of each chart. This information is for illustrative purposes only. CUFS makes no representations or warranties regarding the accuracy of the information provided by these calculators. Any warranties or representations expressed or implied are hereby disclaimed in their entirety.
Michelle Wright serves as Servicing Manager for Credit Union Financial Services, LLC (CUFS) in Covington, Georgia. She began her career with CUFS as a Mortgage Loan Servicer in 1998. As her career advanced, Michelle transitioned to a Marketing/Business Development role. In 2007 Michelle was promoted to her current role. She is responsible for loss mitigation, mortgage lender compliance relating to Real Estate Settlement Procedures Act (RESPA) and Consumer Financial Protection Bureau (CFPB), month end and quarter end reporting, as well as general mortgage servicing.
Michelle resides in Stockbridge. She graduated with a Bachelor’s Degree in Psychology from the University of Maryland, Eastern Shore in 1991.
Jim Dymek started in the mortgage business as a Licensed Mortgage Advisor in January of 2002 working for a Mortgage Banker. Jim’s prior career was selling technology to Fortune 500 companies for approximately 14 years in the Southeast.
Leveraging his mortgage experience, Jim returned to the technology field from 2011 to 2014 selling mortgage technology solutions for Calyx Software and Lending QB in the Southeast US.
Jim has consistently been in the top 10% of production at various mortgage companies by primarily focusing on educating the consumer and providing thorough follow up.
Jim is passionate about educating the consumer on the basics with an emphasis on explaining how important credit is in the mortgage approval process. Jim prides himself on providing the consumer multiple options rather than just one mortgage option. Jim also has a strong understanding of compliance and the current regulations governing the industry.
A resident of Dunwoody, Jim moved to the Metro Atlanta area in 1974. He attended Dunwoody High School and is a 1985 graduate of Georgia Tech with a Bachelor’s Degree in Industrial Management.
David is a Mortgage Licensed Mortgage Advisor at Credit Union Financial Services in Covington, Georgia. He helps provide mortgage solutions to members of Credit Unions in Georgia. After starting in the mortgage industry in 1986, David spent the first 21 years of his career working in the consumer finance industry and with wholesale or correspondent lenders as either an individual producer or sales manager. Since 2007, he has worked for several banks or mortgage lenders dealing with consumers either as an individual producer or branch manager.
A lifelong Georgia resident, David has been in in the Metro Atlanta area for 35 years. David attended Charlton County High School in South Georgia and is a 1984 graduate of Georgia Southern University with a Bachelor’s Degree in Management.
David resides in Cumming, Georgia with his wife Ali and his son Grant. He is active member of Cumming First United Methodist Church and Leadership Forsyth.
A Georgia native, I began my mortgage career 30 years ago. I have a passion for what I do as a Mortgage Originator. My experience has afforded me excellent interpersonal and customer service skills. My hard work and solid knowledge of finance has allowed me to work in management, sales, training, operations and compliance. I feel my unique ability to assist homebuyers with a comforting level of compassion in the home buying process provides a strong repeat customer base; I am privileged to help homeowners achieve their dreams.
When I’m not helping customers with their mortgages, I am a very proud Grandmother of three. I enjoy Georgia Bulldogs Football, music festivals and traveling.
With over 25 years’ experience in the mortgage industry Debra has been with Credit Union Financial Services since 2015. She has held various positions during her career including origination, processing, and underwriting. She attended Gordon College and has completed multiple courses through Fannie Mae, Freddie Mac, and Capstone Institute. Debra and her husband, Charles, currently live on Jackson Lake with their 2 dogs. The best part of being a Licensed Mortgage Advisor is helping people make the best choices for them and their families in regards to home financing.
Paul Totman is a 25-year resident of Gwinnett County, GA. Paul has been productive in the Mortgage business for 17 years. A graduate of Northrop University majoring in Avionics, Paul is an avid baseball and aviation enthusiast.
Whether purchasing or refinancing, Paul is focused on providing a superior customer experience. He listens to and assists each and every customer to find the best possible loan program to for their individual needs.
Paul offers expert mortgage advice and is always available to assist you throughout the entire loan process – all the way to the closing table. He thoroughly enjoys and loves originating loans to help folks like you get in to a House to call Home.
Mildred "Millie" joined CUFS in May 2019 and worked in the mortgage industry for six years prior. Customer service and attention to detail are very important to Millie. She attended Georgia State University and graduated with a Bachelor's degree in Exercise Science. She resides in Conyers with her two daughters Neah & Kenlie. In her spare time, Millie enjoys trying new recipes and learning how to make arts and crafts.
With over 13 years’ experience in the finance industry and a career managing one of the largest bank branches in Covington, Georgia, Whitney decided to pursue her passion of helping people achieve their dream of homeownership by joining the Credit Union Financial Services team. Finding the best loan program to fit the mortgage lending needs of current and future homeowners while delivering excellent service is of utmost importance to Whitney.
Whitney is a Georgia native, an avid runner, and enjoys spending time with her three boys and husband, Marc.
Chris has worked in the mortgage industry since 2006. His knowledge of mortgage products paired with his enjoyment of assisting customers with purchasing or refinancing their home makes him an ideal mortgage advisor.
He and his wife moved to Atlanta 9 years ago. They very much enjoy living in GA and have made this their home.
Ken Obiecunas has over 20 years’ experience as a Loan Originator and Production Manager. As a Loan Originator, he has been a consistent President Club’s member. The early part of his mortgage career was spent in the large bank arena but he has transitioned to the Credit Union and enjoying the focus on the Member experience. As a Manager, Ken enjoys training and coaching his team to exceed their past successes.
Ken holds two Bachelor’s Degrees from Indiana University of Pennsylvania (Journalism and Communications Media). He also holds a Master’s of Information Sciences degree from the University of Pittsburgh.
Ken relocated to Atlanta from the Pittsburgh, PA and enjoys the warmer weather and blue skies!
Tina Sanders is a life-long resident of Georgia. She has over 27 years’ experience in mortgage lending having held positions in both Loan Origination and Processing. Tina’s experience in the credit union industry spans over 10 years. Along the way she has perfected excellent member service skills and she is involved in continuing education courses to further enhance her mortgage lending acumen.
Tina has earned certificates with HarvardX in Contract Law as well as in Exercising Leadership with EdX.
In her spare time, Tina is passionate about aviation. She has held a Private Pilot’s license since 2005.
Tina also enjoys spending time with her family and she is a big animal lover.
Mark Agee is a 30-year veteran in the mortgage industry. He has worked as a Mortgage Loan Officer for large banks, well known Mortgage Brokers, Homebuilders, and has owned his own mortgage company. Mark is a 1981 graduate of the University of Georgia and is an avid Bulldog fan. He grew up in Forsyth, GA and has been a Cumming, GA resident for the last 22 years.
Mark has a passion for fulfilling people’s American dream of homeownership whether they are starting a new family, moving up, or beginning a new season in life. He is interested in providing excellent member and client service and establishing long term relationships with the people that he works with.
Mark enjoys playing golf, going to football games, and hanging out with his wife, two dogs and his two children.