TYSONS CORNER, Va. (9/30/10)--The Credit Union Mortgage Association (CUMA) will offer the Harmony Loan, through a partnership with Mortgage Harmony Corp., to more than 40 credit unions in the Washington, D.C., area. The Harmony Loan is a consumer-initiated interest rate-resetting mortgage. It allows homeowners to adjust their interest rates without a traditional refinance. For lenders, the loan minimizes prepayment turnover that causes loss of market share, servicing stream and customer loyalty. Offering the loan to credit unions also will free up CUMA’s loan officers to focus on new loan originations, the companies said in a release. CUMA of Fairfax, Va., is owned by credit unions in Virginia, Maryland, Washington, D.C., and Pennsylvania. It provides origination, underwriting, closing and servicing solutions.