Mortgages & Real Estate Loans Dennis Raffenbeul Mortgage Loan Officer HOME MORTGAGES St Cloud Federal Credit Union offers a variety of home mortgages for both purchase and refinance transactions. We offer conventional, VA and FHA loans. Prequalifications are available by completing the loan inquiry form (see note below)**. Then contact Dennis Raffenbeul, our Mortgage Loan Officer, at 258-2174, toll-free at 1-888-252-2634 between 9 a.m. and 5 p.m., or email Dennis at draffenbeul@stcloudfcu.coop. Dennis will be happy to thoroughly discuss all the aspects of the loan process, to assure that you receive the financing that fits your needs. ** Download a fillable and printable Form 1003 (Fannie Mae Form 1003/Freddie Mac Form 65). Print the completed form and bring it along when you visit Dennis about your loan. That way, you can fill out as much as you can in the comfort of home. If your email option isn't working, send Dennis a message here.