Niche focus Target underwater homeowners in California with specialized refinancing solutions such as HARP, DU Refi Plus, Expanded Approval findings, and Freddie Mac Relief Refinance Open Access to drive loan payoff or payment reductions.

Regulatory credentials Leverage the company’s active NMLS and California Real Estate licenses to approach lenders and mortgage partners seeking compliant, licensed originators to expand reach in CA’s regulated mortgage market.

Mid-market positioning Position Courtesy Mortgage as a nimble, CA-focused alternative to large lenders for underwater homeowners, offering faster decisioning and personalized programs to win distressed-to-stable customer conversions.

Tech-enabled outreach Utilize the tech stack and digital presence (WordPress, SEO, analytics) to build targeted digital marketing and lead-gen campaigns aimed at distressed borrowers and partners in need of compliant refinancing solutions.

Partnership opportunities Identify collaboration opportunities with large national lenders or broker channels seeking scalable CA-focused origination partners to expand reach, grow revenue, and diversify loan product offerings.