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Loan Officer Training with The Mortgage Calculator
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Loan Officer Training with The Mortgage Calculator

Author: The Mortgage Calculator

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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!

For more info visit https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast

Loan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/join

148 Episodes
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In this episode of Loan Officer Training, we delve into the art of structuring first-time home buyer loans. Guiding new and experienced loan officers alike, we explore the nuances of creating tailored loan packages that meet the unique needs of first-time buyers. From understanding government-backed loan programs like FHA and VA loans to navigating down payment assistance and credit score considerations, we cover everything you need to know to guide your clients through their first home purch...
In this episode of Loan Officer Training, we explore the intricacies of analyzing Internal Rate of Return (IRR). As a critical metric for evaluating the profitability of potential investments, IRR is essential for loan officers and financial professionals alike. We'll guide you through the fundamentals of IRR, explaining its significance, calculation methods, and practical applications in real estate and loan assessments. Learn how to interpret IRR in the context of cash flow projections, inv...
In this episode of Loan Officer Training, we dive deep into the essential skill of calculating W-2 wage income. Accurate income calculation is critical for loan officers, as it ensures that borrowers are qualified correctly and helps maintain the integrity of the lending process. Join us as we break down the step-by-step process of interpreting W-2 forms, understanding gross and net income, and identifying any additional income factors that could impact the borrower’s financial profile. Wheth...
In this episode of Loan Officer Training, we delve into the intricacies of calculating variable income for borrowers. Understanding and accurately assessing variable income is crucial for ensuring reliable loan approvals. Our expert hosts will guide you through the various types of variable income, such as bonuses, commissions, and overtime, and explain the methods for calculating an average monthly income. Learn about the documentation needed, common pitfalls to avoid, and best practice...
In this episode of Loan Officer Training, we tackle the complexities of completing a Verification of Verbal Employment (VVOE) for self-employed borrowers. Join our expert hosts as they break down the essential steps and best practices to ensure accurate and thorough verification. Learn how to navigate common challenges, understand key documentation requirements, and effectively communicate with self-employed clients. Whether you're new to the process or looking to refine your skills, this epi...
Welcome to "Loan Officer Training," the podcast dedicated to empowering professionals in the mortgage and lending industry. In this episode, titled "How to Structure a Blanket (Portfolio) Loan," we delve into the complexities and advantages of blanket loans. Learn how to effectively structure these loans to cover multiple properties under a single mortgage, streamlining the process for investors and property managers.Our expert guests will discuss the key components of blanket loans, includin...
Welcome to "Loan Officer Training," the podcast that equips mortgage professionals with the knowledge and skills to excel in the lending industry. In this episode, titled "How to Structure 1099 Borrower Loans," we focus on the unique challenges and opportunities of working with self-employed borrowers.Learn the best practices for structuring loans for 1099 borrowers, including how to accurately assess income, navigate documentation requirements, and choose the right loan products. Our expert ...
Welcome to "Loan Officer Training," the podcast dedicated to helping professionals excel in the mortgage and lending industry. In this episode, titled "How to Structure a 5-10 Unit Property Loan," we provide an in-depth look at the intricacies of financing multi-unit properties. Discover key strategies for structuring loans on 5-10 unit buildings, from understanding loan types and interest rates to navigating down payment requirements and necessary documentation. Our expert hosts will share t...
In this episode of "Loan Officer Training," we delve into the critical process of analyzing the benefits of real estate loan refinancing. Refinancing can offer significant advantages, but how do you determine if it’s the right move for your clients? Join us as we break down the key factors to consider, from interest rate comparisons and loan terms to closing costs and long-term savings. Learn how to perform a detailed cost-benefit analysis, understand the impact on monthly payments, and ...
In this episode of "Loan Officer Training," we unpack the complexities of structuring short-term rental investor loans. As the popularity of vacation rentals and platforms like Airbnb and VRBO continues to rise, understanding how to finance these unique investment properties is essential for any loan officer. We'll walk you through the specific requirements, from assessing property income potential to navigating different loan options tailored for short-term rentals. Discover key strategies f...
In this episode of "Loan Officer Training," we dive into the crucial steps of completing a purchase preapproval. Join us as we explore the ins and outs of this foundational process, ensuring you're equipped with the knowledge to guide your clients seamlessly through their home-buying journey. We'll cover everything from gathering the necessary documentation to evaluating credit scores and income verification. Learn expert tips and best practices to streamline your preapproval process, avoid c...
Step up your loan origination game with our latest episode of "Loan Officer Training," where we tackle the crucial topic of using guidelines to properly structure your loans. This episode is essential for loan officers who want to ensure their loans are not only compliant but also tailored to meet the unique needs of each borrower.Learn how to interpret and apply these guidelines to structure loans that align with both lender policies and borrower circumstances. We’ll explore the importance o...
Unlock the full potential of your loan origination skills with our latest episode of "Loan Officer Training." This week, we're diving into the fundamentals of credit report review, focusing on how to properly analyze credit reports for credit simulation opportunities. Whether you're a seasoned professional or just starting out, this episode is packed with invaluable insights to help you make the most of every credit report you encounter.Join our expert host as we explore the critical componen...
Ready to take your loan origination game to the next level? In this action-packed episode of "Loan Officer Training," we unlock the secrets to mastering the initial call and properly vetting the deal. Perfect for both seasoned pros and eager newbies, this episode is your ticket to becoming a top-performing loan officer.Discover the art of the initial call and why that first conversation is make-or-break. Learn strategies to nail it every time, ensuring you make a killer first impression that ...
Are you a loan officer looking to expand your expertise and provide invaluable support to your clients? Dive into this essential episode of the "Loan Officer Training" podcast, where we unravel the intricacies of structuring down payment assistance loans.In "How to Structure a Down Payment Assistance Loan," our expert hosts will guide you through the step-by-step process of helping clients navigate one of the biggest hurdles in home buying – the down payment. You'll learn about the various ty...
Welcome to another essential episode of "Loan Officer Training," the go-to podcast for professionals in the mortgage industry. This week, we're diving into "How to Structure a HELOAN," an invaluable skill set that every loan officer needs to master.Are you ready to unlock the secrets of Home Equity Loans? In this episode, we'll guide you through the intricate process of structuring a HELOAN, ensuring you can offer your clients the best possible options while boosting your expertise and closin...
Welcome to "Loan Officer Training," the podcast designed to elevate your expertise in the mortgage industry. In this week's must-listen episode, "Effective Rate Lock Management," we dive into the art and science of mastering interest rate locks—an essential skill that can set you apart from the competition and make you a true client champion.Imagine confidently guiding your clients through the complexities of interest rates, securing the best possible deals, and ensuring a smooth, stress-free...
Welcome to another episode of Loan Officer Training! In this installment, we tackle the dynamic world of short-term rental property loans. With the rise of platforms like Airbnb and VRBO, short-term rentals have become a lucrative investment strategy. However, structuring loans for these properties presents unique challenges and opportunities.Join our expert host as they unravel the complexities of financing short-term rental properties and provide you with actionable insights to enhance your...
Welcome to another insightful episode of Loan Officer Training! In this episode, we dive deep into the intricacies of structuring BRRRR real estate loans. BRRRR, which stands for Buy, Rehab, Rent, Refinance, Repeat, is a popular strategy among real estate investors looking to maximize their returns with minimal capital. Join our expert host as they break down each phase of the BRRRR method and offer detailed guidance on how to structure loans that support this strategy effectively.Whether you...
Welcome to Loan Officer Training, where we equip you with the knowledge and skills to excel in the ever-evolving world of lending. In this episode, we unravel the intricacies of structuring loans for borrowers with Individual Taxpayer Identification Numbers (ITINs).Join our seasoned host and expert guest, a distinguished loan officer with a wealth of experience in catering to ITIN borrowers. Together, they demystify the process, offering invaluable insights into navigating the unique challeng...
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