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15-Minute Mortgage Professional Consultation$125.00
This forum covers each of your sessions and documents worked on. You will be able to review your session recordings or even delete them if you wish. Send and…
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30-Minute Mortgage Professional Consultation$225.00
This forum covers each of your sessions and documents worked on. You will be able to review your session recordings or even delete them if you wish. Send and…
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60-Minute Mortgage Professional Consultation -Deep Dive$395.00
This session is designed to provide ample time for participants to review loan level, specific information for the purpose of structuring or restructuring difficult mortgage applications. We cover income…
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Bank Secrecy Act and Anti-Money Laundering$99.00
Course Outline BSA/AML Why Should we Care! Definitions Customer Identification Program Failure to Comply with reporting requirements Penalties for Non-Compliance Current Initiatives and Take Aways on AML Learning Objectives…
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Compliance Workshop$750.00
Learn the basics of mortgage compliance requirements by taking this 3 part course on the laws covering State Licenses Mortgage Loan Originators and Processors.
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Consumer Protection and Other Federal Laws$49.00
Outline Red Flags Rule Federal Trade Commission Homeowner and Economic Recovery Act (HERA) Disclosure Provisions of the HPA Higher Priced Mortgage Loans HPML Definition Restrictions Dodd-Frank Wall Street Reform…
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Conventional Financing$49.00
Outline Conventional Financing Traditional Conventional Loans 15-Year Mortgage Loans Conforming versus Nonconforming Loans Conventional Loan Programs 80% LTV Conventional Loan Higher LTV Loans Learning Objectives Comprehend overview…
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Credit History and Loan Closing$49.00
Outline Credit Reports and Scores Credit Repositories Consummation Consummation Closing Disclosure Clearing Title Conditions Settlement Reconciliation Down payment Reserves Third Party Verification Gifts Proration and Expenses Calculating Per Diem…
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Cybersecurity and Privacy Laws$49.00
Gramm-Leach-Bliley (GLB) and Cybersecurity Laws require all companies and employees to understand the requirements for collecting and safeguarding customer non-public information. This session covers GLB privacy rules and 23…
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Equal Credit Opportunity Act$49.00
Laws Prohibiting Discrimination Equal Credit Opportunity Act (ECOA) ECOA Requirements Enforcement Disclosures Fair Housing Act Fair Housing Act Exemptions Fair Housing Violations Discrimination in Mortgage Lending Discriminatory Practices Enforcement…
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Ethical and Legal Considerations$49.00
Outline Ethical and Legal Considerations National Association of Mortgage Brokers Code of Ethics Ethics in Advertising Discrimination Protected Classes Prohibited Practices Other Types of Discrimination Disclosure and Privacy Truth…
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Ethics and RESPA$49.00
Outline Ethics and RESPA Real Estate Settlement Procedures Act (RESPA) Section 8 Kickback Prohibition Ethics and Protection of Data Gramm-Leach-Bliley Act Fair Credit Reporting Act and the FACT Act…
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Federal Mortgage Laws Update 2019$99.00
Update of Federal Mortgage Laws 2018 Statutory and Regulatory Update 2018 Outline Permissible Fees and Finance Charges The Black Hole Regulatory Environment Regulatory Relief and Consumer Protection Act Learning…
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FHA Loan Programs$49.00
Outline Federal Housing Administration (FHA) Insured Loans Mutual Mortgage Insurance Fund FHA Underwriting Standards Property Guidelines for FHA Loans FHA Loan Regulations Mortgage Insurance Premium Seller Contribution Limits Prepayment…
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Finance Instruments$49.00
Outline Finance Instruments Promissory Notes Negotiable Instruments Security Instruments Trust Deeds Mortgages Judicial Foreclosure Procedure Typical Clauses in Finance Instruments Acceleration Clause Alienation Clause Defeasance Clause Partial Release, Satisfaction,…
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Financing Insurance Requirements$49.00
Outline Private Mortgage Insurance (PMI) How Mortgage Insurance Works PMI Premiums PMI Cancellation Secondary Financing Combined Loan-to-Value (CLTV) Conditions Lender First and Lender Second Repayment Methods on Second Mortgages…
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How Mortgage Originators Work$49.00
Learning Objectives 1. Identify the role of the mortgage professional 2. Learn differences between Prequalification and Preapproval 3. Learn about the loan process Teaching Methods: Power Points, Video PowerPoint…
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Impact on Customer$79.00
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…
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Interests in Real Property$49.00
Outline Deeds Requirements of a Valid Deed Warranty Deeds Deeds without Warranties Evidence of Marketable Title Public Records Notice Chain of Title Race Notice Rule Marketable Title Act Title…
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Loan Originator Licensing$49.00
Outline: Home Economic Recovery Act (HERA) Nationwide Mortgage Licensing System and Registry Creation of the NMLS Objectives of the SAFE Act Definitions of Mortgage Functions Entities Regulated State Licensing…
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Mastering Mortgage Math$247.00
Learn the math that mortgage experts use to quote loan programs and to get loan approved and closed on time.
This course covers the essential mortgage calculations needed to fully…
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Mortgage Advisor Compliance Program$697.00
Check out the Course page here: https://cloes.online/course/mortgage-advisor-compliance-program/
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Mortgage Fraud and Predatory Lending$49.00
Outline Ethics and Mortgage Fraud Fraud and Conspiracies Fraud for Profit Housing Fraud Red Flags of Mortgage Fraud Transaction Fraud Fraud Participants Appraisal Independence Flipping Other Types of Mortgage…
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Mortgage Industry$10.00
Outline A Brief History of Mortgage Lending The Story of Mortgage Lending Key Terminology Government Agencies Federal Housing Finance Agency (FHFA) Federal Housing Administration Industry Participants – Primary Mortgage…
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Mortgage Processing Fundamentals$497.00
Mortgage Processing Fundamentals is an on-demand, video recorded program which presents the base of knowledge needed to succeed at residential mortgage processing. This course is a comprehensive hands on training…
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Mortgage Professional Advanced Practices$349.00
View the course here: Mortgage Professional Advanced Practices Course Welcome. This course is designed for individuals working as Mortgage Loan Originators or other Mortgage Professionals. It provides a detailed…
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Mortgage Professional Certification$2,997.00
To See the details of this program go here: Mortgage Professional Certification Program A New Kind of Education Certification Course Welcome. This course is designed for individuals working as…
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Mortgage Professional Consultation – Free Trial
This forum covers each of your sessions and documents worked on. You will be able to review your session recordings or even delete them if you wish. Send and…
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Mortgage Professional Final Assessment$79.00
This session is used to determine that your educational plan has been met. We seek to understand your final level of knowledge of the laws and regulations covering mortgage…
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Mortgage Professional Practices 2$349.00
View the course here: Mortgage Professional Mortgage Practices 2 A New Kind of On-line Course Welcome. This course is designed for individuals working as Mortgage Loan Originators or other…
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Mortgage Topic Course
Outline A Brief History of Mortgage Lending The Story of Mortgage Lending Key Terminology Government Agencies Federal Housing Finance Agency (FHFA) Federal Housing Administration Industry Participants – Primary Mortgage…
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Non-QM and Adjustable Rate Loans$49.00
Outline The Use of Nontraditional Mortgage Products Interagency Guidelines Guidance on Nontraditional Mortgage Products Statement on Subprime Mortgage Lending Predatory Lending Subprime Loans Assessing Risk Adjustable Rate Mortgages (ARMs) How…
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Non-Traditional Products Advanced Update$99.00
Non-Traditional Products Advanced Update Statutory and Regulatory Update 2018 Outline Current Products offered today Appropriate Guidance Interest and Payments Negative Amortization Other Non-traditional Loan Programs Learning Objectives …
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Non-Traditional Products Update$99.00
Outline Non-Traditional Products Update It Wasn’t just the …. Loan Originator Compensation Subprime What is it The “Statement on Subprime Lending” A Solution? Where are We Now? Slowly coming…
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Other Non-traditional Products$49.00
Outline Interest Only Loans Participation Plans Negative Amortization Loans Other ARM Provisions Structured Mortgages Reverse Mortgages Construction Financing Learning Objectives Demonstrate knowledge of interest only loans …
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Qualifying Borrowers Using Tax Returns$149.00
This session reviews commonly used IRS forms and how to use them for qualifying income under the Ability to Repay Rules. Become a income expert. Master this analytical skill…
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Real Estate Appraisals$49.00
Outline Real Estate Appraisal Appraisal Approaches Uniform Standards of Professional Appraisal Practice (USPAP) The Uniform Residential Appraisal Report (URAR) Characteristics of Real Estate Value Characteristics Physical Characteristics Property-Specific Factors…
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Required Mortgage Compliance Training Program$129.00
This program includes the minimum requirements for: BSA/Anti Money Laundering (meets requirements for three years) ECOA and Other Protections GLB and Cybersecurity
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RESPA Update$99.00
Course Outline RESPA Overview RESPA Tolerances RESPA Prohibitions More RESPA Prohibitions Marketing Service Agreements MSA Court Decisions Successor in Interests Continuity of Contracts and Loss Mitigation Learning Objectives To…
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The Underwriting Process$49.00
Outline Loan to Value Ratio (LTV) Qualifying a Borrower Credit Ability to repay Property Eligibility Assess Risks Analyzing Borrower and Property Capacity Credit Collateral Analyzing assets Down payment Reserves…
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Truth in Lending and RESPA$49.00
Outline Department of Housing and Urban Development Act HUD’s Mission Federal Housing Administration Truth in Lending Act (TILA) Reg ‘Z’ Disclosures Annual Percentage Rate (APR) Loan Estimate (LE) Finance…
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Truth in Lending Recsissions$99.00
Outline Why Consumers Recind? Refinancing Rights To Recind Effects of Rescission Learning Objectives To understand TILA Refinancing Right to Rescind To understand who…
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Truth in Lending Update$79.00
Course Outline TILA Definitions Part a TILA Definitions Part B TILA Review Advertising Requirements Permissible Finance Charges APR Tolerances Disclosed Finance Charges Learning Objectives To…
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UDAAP$99.00
Course Outline UDAAP UDAAP Acts and Practices UDAAP Post Crisis UDAAP Summary Learning Objectives To understand what UDAAP stands for. To understand the definition of “material” To understand what…
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VA and USDA Loans$49.00
Outline VA-Guaranteed Loans Loan Limits for VA Loans Borrower Guidelines for VA Loans Qualifying Standards Property Guidelines for VA Loans Entitlement VA Loan Regulations VA Loan Programs Comparison of…
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