U.S. Bank Consumer Finance Division Wholesale Now Offers CEMA Refinance Loans!
Pertinent Information about the program:
• Please indicate the CEMA request on the initial application
• CEMA refinance is allowed on both current U.S. Bank and
non-U.S. Bank first mortgages.
• CEMA refinance is not allowed on purchase money, second
lien loans, or HELOCs.
• All title work and loan closings must be facilitated through
the Critelli Law Firm.
• The Critelli Law Firm will determine if CEMA provides a
benefit to the borrower.
• If determined that no benefit exists, CEMA will not be
approved and the loan will need to follow a standard loan
• The CEMA Title Request Form will be sent as a separate attachment along with the Decision Notification.
• Please use the CEMA Title Request Form and submit the request directly to the Critelli Law Office.
• Work directly through the Critelli Law Office to obtain any prior mortgage documentation needed for
• All third party fees are Paid Outside of Closing.
• Per the Critelli Law Office, the service expectation will be approximately 6 to 8 weeks.
Critelli Law Office Contact Information:
Law Office of Christopher W. Critelli, P.C.
310 Old Country Rd., Ste. 103
Garden City, New York 11530
(516) 742-7608 (phone)
(516) 742-6356 (fax)
For complete product guidelines/restrictions/current rates please refer to usbank.com/brokerloans
or to learn more email your Account Executive now.
user id: wholesale
This document is not a Consumer Credit Advertisement and is intended for Mortgage Professionals use only.
This information is provided to assist Mortgage Professionals and is not a consumer credit advertisement as defined by Regulation Z. If
you would like to obtain information about U.S. Bank products and services, please call 800-USBANKS or visit usbank.com.
Mortgage Professionals who wish to be removed from this distribution list, please contact any of the following
[firstname.lastname@example.org], toll free phone 1-866-850-4180 or toll free fax 1-866-350-3146. Our postal address: U.S. Bank, Consumer Finance Broker Sales,
4325 17th Ave. S.W., Fargo, ND 58103.
For Use by Mortgage Professionals Only. Not intended for Public Distribution.