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    • Home
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      • Impact on Customers

      Impact on Customers

      Debra Killian
      $149
      IMPACT
      • Overview
      • Curriculum
      • Instructor

      Originators have a significant impact on the psychological emotional, and financial well-being of every consumer they interact with and it stays with them well beyond the closing. Let’s also not forget impact on our bosses, co-workers, real estate referral and other partners and our companies! We believe this is such a neglected topic, we made the first episode in the Mortgage Professional Practices program, IMPACT- Psychological, Emotional and Financial Impact, Empathy in Mortgage Transactions.

      Real education is critical. I am not talking about marketing, sales or social media, how-to-get-business education, I am talking about what to do once you have the business!

      The cost of NOT educating originators on Mortgage Professional Practices is huge. There are way too many touches on files, sale-ability issues, repurchase risks, consumers being dragged through transactions, companies and MLOs incurring unnecessary reputational risk, and all leading to decreased profitability. Don’t take my word for it. Just take a look at some of the questions from MLOs on social media! They are begging to learn and don’t understand the WHY in lending!

      In 2013, we co-authored an online origination course for the Mortgage Bankers Association. Of the thousands of students who attended, and hundreds that wrote testimonials, one always stood out and it continues to drive me every day!

      One student emailed me, “With having over 24 years of Mortgage experience, this course…is Awesome. I was a little reluctant in taking the course at the beginning because I was thinking to myself ‘I do not have time to take this training’…adding something else to do during my day, especially on things I already know… LOL! However, once I got into the course, started reading the material and…watching the webinars, I became thoroughly engaged. This information was relevant and much needed. I also had several ‘aha’ moments on what some things are and why we do certain things the way we do. All in All, Great Course…I know some of us old heads in the business can be challenging but…but, we really do appreciate what you are doing. Thank you and much continued success.”

      And that is why for 20 years my passion has been writing and teaching originators.

      So, “where have you been, Deb?” For the past 18 months, I locked myself in my office, handcuffed to my desk, writing, writing and writing, recording, recording and recording! All things, ALL originators! Mortgage Professional Practices, PE, CE, BSA/AML, NMLS Testing Strategies…for Banks, credit unions, lenders, brokers, correspondent. We have just scratched the surface. We are committed to raising the level of professionalism and knowledge for the entire industry! we know, it’s a BHAG…big hairy audacious goal…but one we are committed to!

      With so much focus on fast approvals, via speedy technology, 10 day closings…have we forgotten about the customer? Most mortgage businesses know what to do to get new originators licensed. But what about real, day-to-day business practices? I am talking about the knowledge none of us ever really got because it didn’t exist…until now!

      Licensing is only the beginning. Now Registered originators can benefit from the knowledge that state-licensed originators were forced to learn and then some. Upgrade to Higher Earning!

      Course Features

      • Lectures 1
      • Quizzes 1
      • Duration 1 hour
      • Skill level All levels
      • Language English
      • Students 0
      • Certificate No
      • Assessments Yes
      ShopImpact on Customers
      • Impact on Customers
        2
        • Lecture1.1
          Impact Presentation
        • Quiz1.1
          Impact on Customers Quiz 0 question
      Debra Killian

      Debra Killian is a NMLS State Licensed Mortgage Loan Originator and Certified Residential Mortgage Specialist (CRMS), graduated from Western Connecticut State University, Danbury, CT with a B.B.A. in Accounting.

      She has over 35 years of financial, banking, accounting and business experience. Since 1994 when she started originating retail residential mortgages she has directly overseen and managed in excess of $1 billion in closed residential real estate loans, representing thousands of customers.
      Debra's experience and educational focus has given her an edge in the marketplace and a strong foundation as a passionate trainer for mortgage originators and Realtors offering customized sales and and mortgage-related training courses.

      She utilizes a proprietary software system (LoanMgr) developed by her partner and husband Don DeRespinis, CPA, CRMS designed for compliance, transparency and constant communications with customers, clients, Realtors, attorneys and closing agents throughout each and every transaction.

      In 2010, Debra co-authored one of the first NMLS approved 20-hour Pre-licensing SAFE Act courses, required for all state-licensed mortgage originators by Title V of the SAFE Act. She also develops for continuing education classes for Realtors.

      In 2011, Debra and Don co-authored The Mortgage Professional, National Residential Mortgage Loan Originator which has been approved by the NMLS for the 20-hour pre-licensing course.

      In 2014, she co-authored the MBA's School of Loan Origination(SOLO) I and II.

      Past positions include Directors of the CT Mortgage Bankers Association (CMBA) and National Association of Mortgage Professionals (NAMB), Past President of the CT Mortgage Association (CMA) as well as served on the Education, FHA and Government Affairs committees of NAMB. Debra is one of only four originators in CT to earn the Certified Residential Mortgage Specialist (CRMS) designation and the first originator in CT to earn the Lending Integrity Seal of Approval from NAMB.

      Debra speaks on a variety of topics to various professional groups and trade organizations and is available for custom course development and delivery.

      She is a member of the NAMB, CMA, AIME, Northern Fairfield County Association of Realtors (NFCAR), Connecticut Association of Realtors (C.A.R) and the National Association of Realtors. (NAR).

      • Overview
      • Curriculum
      • Instructor
      $149
      • Share:

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