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Description
The Mortgage Calculator Mortgage Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features live demos to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass. Both new and experienced Loan Officers and Mortgage Brokers can learn new tips and tricks for loans, new loan products, non traditional mortgage programs and much more!
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171 Episodes
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Ready to tackle the intricacies of condo financing? In this episode of Loan Officer Training, we’re diving into the essential techniques for structuring Limited-Review Condo Loans. These loans offer a streamlined approach to condo financing, and mastering their structure can set you apart in the competitive lending market.We’ll guide you through the process of assessing condo projects, meeting lender requirements, and managing risk effectively. Discover how to navigate the unique aspects of L...
Get ready to elevate your lending game in this episode of Loan Officer Training! We’re diving deep into the art and science of structuring 5-10 unit property loans—a crucial skill for any loan officer aiming to master multi-unit financing.Join us as we explore the strategies and best practices for crafting loan structures that work for both your clients and your business. From understanding loan terms and conditions to negotiating rates and ensuring compliance, this episode is packed with ins...
Ready to unlock the secrets of the BRRRR strategy? In this episode of Loan Officer Training, we dive deep into the Buy, Rehab, Rent, Refinance, Repeat method—a game-changer for real estate investors. Learn how to expertly structure these loans to help your clients maximize their returns and build their real estate portfolios like pros. We’ll guide you through each step of the process, from scouting the perfect property to refinancing with the best possible terms. Whether you're looking to sha...
Are you ready to unlock the secrets of bank statement loans and take your lending game to the next level? In this exciting episode of Loan Officer Training, we’ll show you how to master the art of structuring bank statement loans, perfect for those self-employed clients and non-traditional earners who don’t fit the standard mortgage mold. We’ll guide you through the entire process, from analyzing bank statements to calculating income, and share insider tips to help you avoid common pitfalls. ...
In this essential episode of Loan Officer Training, we tackle one of the most complex aspects of lending—structuring Profit & Loss (P&L) loans. If you’re working with self-employed borrowers or those with variable income, mastering P&L loans is a must. Join us as we break down the key components of P&L statements, discuss how to accurately assess income stability, and explore the best strategies for structuring these loans to meet your clients' needs. Packed with expert tips, ...
In this episode of the Loan Officer Training podcast, we explore the essential strategies for structuring down payment assistance loans. Discover how to effectively design and manage these loans to help your clients overcome one of the biggest barriers to homeownership. We’ll cover key aspects such as eligibility criteria, types of down payment assistance programs, and how to integrate these loans with conventional mortgage products. Learn practical tips for ensuring smooth processing, compli...
In this episode of the Loan Officer Training podcast, we dive into the intricacies of structuring ITIN borrower loans. If you’ve ever faced the challenge of helping clients without a Social Security Number secure financing, this episode is for you. We’ll break down the key steps to successfully structure ITIN loans, from understanding eligibility requirements to navigating documentation hurdles. Learn the best practices for guiding ITIN borrowers through the loan process, ensuring compliance,...
In this enlightening episode of Loan Officer Training, we dive deep into the complexities of structuring blended rates for 1st and 2nd mortgages. Whether you're a seasoned loan officer or just starting out, understanding how to effectively blend rates can significantly impact your clients' financial outcomes and your own success in the industry. Join our expert host as they break down the essentials of blended rates—what they are, why they matter, and how to calculate them with precision. We'...
In this episode of Loan Officer Training, we dive into the intricacies of structuring Mixed-Use Property Loans, a vital topic for loan officers dealing with properties that combine residential and commercial spaces. We’ll explore the unique challenges and opportunities presented by mixed-use properties, including how to assess the different components of the property and their impact on the loan application. Learn about the key considerations for structuring these loans, such as determining a...
In this episode of Loan Officer Training, we explore the strategic use of Bank Statement Loans, a valuable financing option for self-employed individuals and others who may not have traditional income documentation. Discover how these loans use bank statements to verify income, making them an ideal choice for borrowers with irregular income streams or those who face challenges with conventional documentation. We’ll discuss the benefits of Bank Statement Loans, including flexibility in income ...
In this episode of Loan Officer Training, we dive into the essentials of mastering Foreign National Loans to help you broaden your client base and tap into a lucrative market. We'll cover the key aspects of working with foreign national borrowers, including understanding their unique needs, navigating the specific requirements and documentation, and offering tailored solutions to meet their financing goals. Learn about the common challenges faced by foreign national clients and how to address...
In this episode of Loan Officer Training, we focus on the essential task of structuring property insurance for financed properties. Proper insurance coverage is crucial for protecting both the borrower and lender's interests, ensuring that assets are safeguarded against potential risks. We'll break down the different types of property insurance policies, such as hazard insurance, flood insurance, and mortgage insurance, and discuss how to determine the appropriate coverage levels for differen...
In this episode of Loan Officer Training, we explore the intricacies of structuring rate locks, a critical aspect of managing interest rate risk for your clients. Understanding how to effectively structure rate locks can help you secure favorable terms and protect borrowers from market fluctuations. We’ll discuss the different types of rate locks, including short-term and long-term options, and explain how to choose the best strategy for each client's unique situation. Learn about the factors...
In this episode of Loan Officer Training, we delve into the essential practice of setting expectations to ensure a smooth and successful closing. Proper expectation management is key to navigating the complexities of the mortgage process and fostering trust with clients. We'll discuss effective communication techniques to clearly outline the steps and timelines involved in closing, helping clients understand what to anticipate at each stage. Discover strategies for handling potential obstacle...
In this episode of Loan Officer Training, we delve into the critical process of structuring an appraisal reconsideration of value. Understanding how to navigate this process can be a game-changer for loan officers looking to advocate effectively for their clients. We'll break down the steps involved in preparing a compelling reconsideration request, from identifying the key elements of a strong case to gathering supporting documentation. Our expert guests will share best practices, tips, and ...
In this episode of Loan Officer Training, we explore the intricacies of structuring a HELOC Combo Loan. Combining a Home Equity Line of Credit (HELOC) with a traditional mortgage can provide clients with greater flexibility and financial advantages. Join us as we delve into the key components of a HELOC Combo Loan, including how it works, the benefits for borrowers, and the essential steps for structuring these loans effectively. Our experts will guide you through best practices, potential ch...
In this episode of Loan Officer Training, we explore the crucial skills of reviewing credit reports and structuring rapid rescores. Learn how to accurately read credit reports, identify key factors affecting credit scores, and spot common errors that may impact loan approval. Discover effective strategies for rapid rescores to quickly boost credit scores, helping clients secure better loan terms. Whether you're new to the field or looking to refine your expertise, this episode provides valuab...
Welcome to another essential episode of Loan Officer Training! This time, we’re focusing on a crucial topic that can significantly impact your loan structuring skills: How to Structure Loans with Excluded Liabilities. Excluded liabilities can complicate the loan process, but with the right approach, you can navigate these challenges effectively.Join us as we provide you with the knowledge and tools needed to master the intricacies of loans with excluded liabilities.Enhance your ability to ser...
Welcome to another informative episode of Loan Officer Training! In this episode, we delve into the complexities and strategies of structuring purchases with seller-held second mortgages. This specialized area of real estate finance can provide significant benefits to both buyers and sellers, but it requires a clear understanding of the mechanics involved.Gain valuable insights and practical advice that will empower you to confidently navigate and structure purchases involving seller-held sec...
Welcome to another insightful episode of Loan Officer Training! In this episode, we're diving deep into the intricacies of structuring Gift of Equity Purchase Transactions. Whether you're a seasoned loan officer or new to the field, understanding how to navigate these unique transactions is crucial for helping your clients maximize their financial benefits.Tune in to gain valuable knowledge and practical tips that will enhance your expertise and help you better serve your clients. Don't miss ...
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