Royal Credit Union

RCU is the Lender for You

For personalized care from day one, Kristin Foss can show you the royal way.

Royal Credit Union has been serving the Chippewa Valley for nearly 60 years, growing right alongside its community members; expanding and opening new locations, welcoming new people to the Royal team, and caring for its members every step of the way. On your journey to home ownership, you can expect the kind of personalized care that RCU has become known for.

Mortgage Loan Officer Kristin Foss joined RCU in April of 2022. Kristin has been in the financial industry for nearly 20 years. The last 5 years has been spent handling mortgage loans. She helps borrowers with primary homes, second homes, investment properties, vacant land, and construction loans at RCU.

Royal Credit Union

455 East Madison St.,
Eau Claire
1159 Blazing Star Blvd.,

(715) 833-8204 (at) rcu [d0t] org,)

“When the opportunity arose to join the RCU mortgage team, I jumped on it! RCU always had a well-respected name and reputation. I saw the positive work and things they were doing in the communities and wanted to join the team. I am so proud to be part of the organization,” Kristin said.

By utilizing RCU’s notable programs and loan products, Kristin can support members through the exciting — and sometimes intimidating process — of acquiring a mortgage loan. “One of my favorite aspects of this work is putting members at ease. Buying a home is a critical milestone in someone’s life. While very exciting, this can be stressful and confusing at times. I pride myself in being able to simplify things for the members,” Kristin said.

“When I meet with a potential home buyer, I have a standard process I take them through. We discuss four major areas including credit, assets, liabilities, and income. Walking through those categories with a member allows us to personalize a game plan to move forward. We determine if they are ready now or if a future purchase would be better for their specific situation. We talk about goals and next steps and the timing of those steps,” she explained. “Once we get through our discussion, I can see the nervousness melt away from the member and it is replaced with relief and excitement.”

Kristin strongly feels that finding the right mortgage lender is important. “This can be a long, personal process. You need someone who is responsive to you and can confidently help with your situation. Find a lender who seems to connect with you and makes you feel heard and valued. That will be key to making home buying an enjoyable experience,” she said.

“Find a lender who seems to connect with you and makes you feel heard and valued. That will be key to making home buying an enjoyable experience.”

One of RCU’s notable offerings is its SmartStart Program. This program has additional qualification flexibility that may not be available with a traditional loan. It also features the possibility of not having to carry PMI (Private Mortgage Insurance) even if you have less than a 20% down payment if you meet certain qualifications.

Working with RCU for your mortgage means working locally not only during the purchase process but after the loan closes. Kristin proudly shared, “RCU maintains the servicing of almost all mortgage loans. If you have questions in the years to come, you continue to work with the RCU team you know and trust. RCU continues to grow its team as other lenders are cutting staff or closing their doors. This is an important indicator of RCU’s stability that provides members with peace of mind.”

Kristin encourages you to start with a phone call to make an appointment to meet. “You don’t have to know all the answers now. You don’t need to gather your paperwork such as paystubs and bank statements just to get things going. So much can be learned from a simple, initial appointment. Don’t let the fear of the unknown keep you from taking that first step — reach out today!”

Connect with Royal Credit Union today at location near you to open the door to your home buying journey. RCU also offers loans for land or lots, investment homes, construction loans, and more.

Visit to learn more about Royal Credit Union today. Royal Credit Union has 26 office locations in Wisconsin and Minnesota.

Loans subject to credit approval. Equal Housing Opportunity.