Announcing our New Name!

Tracy Ashfield has been leading Strategic Mortgage Solutions for 10 years. The name is changing but the focus on providing results oriented consulting is the same. We continue our commitment to help credit unions excel at real estate lending.


Credit unions need a competitive advantage to increase their penetration of mortgages. Strategic Mortgage Solutions will help your credit union create a best-in-class member experience by working closely with you to identify and implement strategies to enhance services, streamline processes, build market share and boost cross-sales.


Technology doesn’t make mortgage loans, people do. As credit unions strive to take their lasting place in this country’s housing finance market, the need for focused training becomes paramount. SMS University is the industry leader in developing staff to effectively promote and deliver the unique benefits credit unions have to offer. Regardless of your platform, SMS University provides meaningful mortgage staff education designed to sharpen your mortgage strategy and improve your business development skills.

What we can do for you

Real Estate Lending Compensation Review
Secondary Market Strategy Review
Real Estate Lending Strategy Review
Servicing Strategy Assessment
Real Estate Transitional Plan
Speaking at Staff Meetings
Mortgage Lending Process Review

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What Our Clients Say

“The report that SMS provided was excellent and gave me some great insights into what needs to happen in order for Tower’s real estate program to reach the next level.”

Richard Brake, SVP, Tower Federal Credit Union

“We were looking at ways to improve our secondary market functions as we were selling more and more loans to Fannie Mae. Strategic Mortgage Solutions helped us review our operations and develop a game plan for strengthening our program. SMS's insight and expertise really made a difference. In the end, we were able to implement some quick changes for immediate improvement and had a plan for the longer term.”

Tim Mislansky, SVP, Wright-Patt Credit Union, President, Wright-Patt Financial Group

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