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Mortgage Insights

NAR's Home Finance Resource Certification presented by Deb Killian

NAR's Home Finance Resource Certification presented by Deb Killian Watch video:

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What New Mortgage Loan Originators Need to Know That Nobody Ever Tells You

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When Starting a Mortgage Broker Business...Hope is Not a Strategy!

I have been receiving many inquiries about what it takes to start a mortgage broker business and how to get started. I recently spoke to a gentleman who thought he wanted to start his own business, but after our lengthy

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The Top 10 Reasons to Teach Real Estate Continuing Education!

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MLO Licensing to Mastery - Your 1st Year

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DOL Closes the Door on Mortgage Originators Paid as Independent Contractors

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Under 20 Employees? Your Business May Be Subject to New Beneficial Ownership Interest (BOI) Rules!

I usually write about mortgage or real estate professionals, but since I teach Anti-Money Laundering classes, I thought it would be helpful for all small businesses to know what’s coming. On September 18, 2023 the Financial Crimes Enforcement Network (FinCEN) published

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CFPB Issues Fines for Favors: Mortgage and Real Estate Firms Handed $1.95M Penalty for RESPA Violations

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"Accelerate Your Success with Our Exclusive 20-Hour Pre-Licensing Education Program: Unbeatable Value at Just $299!"

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Employee or Independent Contractor Classification Under the Fair Labor Standards Act

On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses. As stated in previous posts, there is no special 1099 consideration for mortgage loan originators. Regardless

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Is Anti-Money Laundering (AML) Mandatory Compliance Coming for Realtors?

Do you know how money is actually laundered through real estate transactions? Do you know your Anti-Money Laundering (AML) Training Requirements? Between 2015 and 2020, at least $2.3 billion was laundered through US real estate, with estimates by Washington, D.C. think

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UDAAP-ECOA-TILA Are You Ready for Examiners?

The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by state

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Changes to the Appraisal Form and Data Coming!

With the new URLA behind us...along comes the next major change in residential lending. Fannie Mae and Freddie Mac (aka the GSEs) have provided an update on the new URAR. Yes, the Uniform Residential Appraisal Report is undergoing some major changes. Here

Compliance, Mortgage Broker Business, Mortgage Competencies, Mortgage Education, Mortgage Employment, Mortgage Insights, Mortgage Lender, Mortgage Recruiters, NMLS Licensing Education, Originators, Originators, Processors, Underwriters

The Feds Beef Up Employment Enforcement on Independent Contractors

With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry. That means mergers, buyouts and some companies closing. Migrating originators can be a tricky

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Fannie Mae COVID Guideline Change

With the pandemic pointing toward endemic, it's a relief that the GSEs are starting to look at removing some of the COVID-related guidelines. Self-employed borrowers may find it a bit easier to qualify for a mortgage now...,just in time as rates

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Mortgage Company Compliance Requirements for AML Training

How does a mortgage company meet the statutory requirement for Anti-Money Laundering education? The question comes up because many companies do not comply with the annual education requirement for all employees. In our opinion the law and regulations on AML training

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The Myths and Realities -1099 vs W-2 for Loan Originators!

As someone who has followed this topic for many years, with many debates, I've heard it all. Just today, posts on Facebook brought it up...again! What's different now is a few weeks ago, I decided to get reliable information from

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Banks, Credit Unions, Mortgage Education, Mortgage Employment, Mortgage Insights, Mortgage Recruiters, Originators, Processors, Underwriters

Happy Thanksgiving! - 2021 Loan Limits Released!

You wouldn't know we were in the middle of a pandemic based on the housing market. That conforming limit keeps creeping up. It all seems crazy from when I started in the mortgage business in 1994, the conforming loan limit was

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Are Customers "Cleaning" Their Money In Your Transaction?

Money laundering is a huge problem for financial institutions and monitoring compliance and reporting is a challenge. As I read through FinCEN's recent announcement, it became clear...the law is not really clear! Because real estate transactions are large in dollars,

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Fannie Requiring Business Accounts for Self-Employed!

My analogy to guidelines these days is they are like trying to hold jello in the palm of your hand. Squishy, slippery, moving; slipping through your fingers! Patience is a virtue! We need to understand that underwriters spend MUCH more time

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Recently a mortgage loan originator in another state contacted me for help. He was stuck with an underwriter and was challenged by how to calculate the self employment income. In that conversation he told me how helpful it would be

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