Real Estate Professional Services (REPS)

In early 2007, Family Advantage Federal Credit Union (FAFCU) introduced an exclusive new program to benefit all of its members. This benefit is Real Estate Professional Services (REPS), professional and full service real estate services with pre-negotiated commission rates provided only to the members of the credit union. FAFCU saw the need to establish these full service real estate benefits in order to bring more value and benefit to its members and their families. With an ever increasing need for guidance in real estate, it proves how forward-thinking FAFCU was in establishing this program.

Professional Buyer Representation from REPS

There has never been a better time to consider buying a home. Contact FAFCU and have one of the licensed buyer real estate representatives help you with your purchase. There is no cost to the FAFCU members for this service.

Contact Mariann Sanders
931-486-3125 EXT 7148

Home Buying Guide

Professional Seller Representation From REPS

To the FAFCU members wanting or needing to sell their home, the REPS program offers a reduced real estate commission that has been pre-negotiated based on the value of your home:

Commission Reduction Home Sale Price
.50% $0-$149,999
.75% $150,000 - $199,000
1.00% $200,000 - $275,000
1.25% $275,000 - $325,000
1.5% $325,000 and up

In The Real Estate Market, it has never been more important to have professional assistance to help you buy or sell a home. If you are planning to buy or sell, be smart. You will want to assess the market like the pros do, such as determine the current median prices of neighborhood homes, prices per square foot, length of time homes have been on the market in a given area, and the foreclosures in your area. These factors will dramatically affect home prices. A REPS professional at FAFCU will be glad to assist you with these and many other elements of the real estate process with no obligation to you.

Our Mission

We offer all-inclusive real estate services through a flexible commission structure designed to save money for our clients.


Buying or selling a home is one of life’s most important events. We are committed to ensuring that the services our clients receive from us are successful, caring, and professional at all times.

We pledge that we will bring honor and integrity to the real estate market because our clients’ needs are our priority. We will do whatever is necessary to make this life event be a successful event, to make the real estate process proceed quickly and effortlessly, and to make the experience as enjoyable as possible.

We are motivated by providing exceptional service to our clients, not by our commissions.

Mortgage Calculator

Note: Mortgage calculators are not guarantees of credit.

Legal Disclaimer: The use of REPS is a service the Family Advantage Federal Credit Union has arranged to make available as a convenience to Credit Union member/customers. REPS is not affiliated with the Credit Union and the Credit Union does not warrant or guarantee any services provided by REPS. The Credit Union disclaims any liability arising out of your use of REPS and encourages all members/customers to consider and compare the services of other providers of these services when considering any of the services REPS offers now or in the future. REPS privacy policies may be different than those of the Credit Union. Also, REPS may not provide the levels of Information Security that the Credit Union provides.

Family Advantage Federal Credit Union Mortgage License Number - 440458

The following employees are registered and licensed under the National Mortgage Licensing Registry:

Mariann Sanders - 158764

Recheck Your Mortgage

More than one in three homeowners do not know what kind of mortgage they have. You can’t afford not to know your mortgage loan terms. The REPS program at FAFCU offers a full service mortgage program to its members. Come by the credit union and let us help you understand your mortgage.

Today more than ever, you need Real Estate Professional Services to help you understand and navigate the real estate market and make the most of your money. Working with us is better for you.


Family Advantage Federal Credit Union
Main Branch: P.O. Box 39,
100 Stephen P. Yokich Pkwy Spring Hill, Tennessee 37174
931.486.3125 or Toll Free 1.888.486.3125

Branch Hours: Spring Hill
Lobby - Monday - Friday 9am - 5pm, Saturday 9am - 12pm
Drive -Thru - Monday - Friday 9am - 5pm
ATM - 24/7


Columbia Branch: 615 West 7th Street, Columbia, Tennessee  38401
931.486.3125 or Toll Free 1.888.486.3125


Branch Hours: Columbia
Lobby - Monday - Friday 9am - 5pm
Drive-Thru - Monday - Friday - 9am - 5pm, Saturday - 9am to 12pm
ATM - 24/7

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Rates are variable and are based on an evaluation of credit history, so your rate may differ.


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