Mortgage Lending from Learn Mortgage

This course covers topics required by the SAFE Act: federal lending legislation (3 hrs.), ethics (3 hrs.),  nontraditional mortgage products (2 hrs.), and elective topics that have been chosen to provide students with a broad understanding of the key concepts that prepare them for a career in the mortgage industry. 8 hours of elective topics: types of loan products and finance instruments, as well as the fundamentals of the residential mortgage lending process—from prequalifying potential borrowers to closing a loan.

Hours : 16

This course covers topics required by the SAFE Act: federal lending legislation (3 hrs.), ethics (3 hrs.),  nontraditional mortgage products (2 hrs.), and elective topics that have been chosen to provide students with a broad understanding of the key concepts that prepare them for a career in the mortgage industry. 9 hours of elective topics: primer on the primary and secondary mortgage markets, types of loan products and finance instruments, as well as the fundamentals of the residential mortgage lending process—from pre-qualifying potential borrowers to closing a loan.

Hours : 17

This course covers topics required by the SAFE Act: federal lending legislation (3 hrs.), ethics (3 hrs.),  nontraditional mortgage products (2 hrs.), and elective topics that have been chosen to provide students with a broad understanding of the key concepts that prepare them for a career in the mortgage industry. 10 hours of elective topics: primer on the primary and secondary mortgage markets, types of loan products and finance instruments, as well as the fundamentals of the residential mortgage lending process—from prequalifying potential borrowers to closing a loan.

Hours : 18

This course covers topics required by the SAFE Act: federal lending legislation (3 hrs.), ethics (3 hrs.),  nontraditional mortgage products (2 hrs.), and elective topics that have been chosen to provide students with a broad understanding of the key concepts that prepare them for a career in the mortgage industry. 12 hours of elective topics: financial disclosure, privacy protection, consumer ID, and predatory lending protection laws; government loan programs; the SAFE Act; financial calculations; conventional loans and financing; loan processes, products, and finance instruments; and the Uniform State Test.

Hours : 20

The purpose of this course is to provide mortgage loan originators with the fundamentals of loan servicing and foreclosure. The course covers various aspects of mortgage loan servicing, such as impound accounts, payoff demand statements, and insurance requirements, as well as processes and procedures related to default and foreclosure of mortgage loans.

Hours : 2

The purpose of this course is to teach mortgage loan originators a required four hours of mandatory elective pre-licensure education (PE) information which will ensure that they acquire proficiency in areas of study related to state laws/regulations that mandate the licensing, registration, and business practices of mortgage loan originators.

Hours : 4

The purpose of this course is to complete the eight core hours of pre-licensing education required by the Secure and Fair Enforcement Mortgage Licensing Act for mortgage loan originators.

Hours : 8

4-Hour – OH
20-Hour – AZ, FL

4-Hour – OH SAFE State Law
20-Hour – AZ SAFE Comprehensive Mortgage Loan Originator

1-Hour – CT, OK
2-Hour – CA-DFPI, CO, FL, ID, IN-SOS, MI, MT, NE, NH, TN, VT
3-Hour – DC, HI, MA, NM, NY, PA, RI, SC, TX-SML
4-Hour – AZ, MS, NC, NJ, NV, OH, OR, WA, WV
5-Hour – MD
15-Hour – UT
40-Hour Utah Lending Manager The purpose of this course is to teach mortgage loan originators the required 40 hours of mandatory pre-licensure education (PE) information which will ensure that they acquire proficiency in areas of study required to obtain a Utah-DRE lending manager license, including general mortgage industry knowledge, mortgage-related professional practices, federal mortgage-related law and regulatory compliance, residential mortgage lending practices, Utah statutes and regulations governing the mortgage business, and office management and supervision.

This course is designed as a refresher for mortgage loan originators, whether experienced or new, and includes topics that map to the SAFE Mortgage Loan Originator Test. The course prepares students for the exam by reviewing key terms and concepts associated with mortgage origination activities, key highlights of the SAFE Act, and topics included in the UST component of National Test. The course includes a review of federal lending legislation (including RESPA, TILA, ECOA, and other federal laws and guidelines); nontraditional mortgage products (including mortgage programs, mortgage loan products, and terms used in the operation of the mortgage market); and ongoing concerns with ethical behavior and associated acts designed to address these issues. Also included are a section on financial calculations as well as quizzes and practice exams to help students gauge their knowledge in key topics areas.

This 8-hr SAFE Comprehensive: Staying Compliant course satisfies the annual continuing education requirements for mortgage loan originators set forth by the SAFE Act, including 3 hours of federal law, 2 hours of ethics, 2 hours of nontraditional mortgage lending, and 1 hour of undefined education (elective).

This 7-hr SAFE CORE: Staying Compliant course satisfies the annual continuing education requirements for mortgage loan originators set forth by the SAFE Act, including 3 hours of federal law, 2 hours of ethics, and 2 hours of nontraditional mortgage lending.

1-Hour – AZ, CA-DFPI, CT, DC, FL, GA, HI, ID, KY, MA, MD, MN, MO, NC, NM, NV, PA, RI, SC, WA, 1-Hr Elective
2-Hour – NJ, OR, UT, WV, 2-Hr Elective
3-Hour – NY
4-Hour – AZ Responsible Individual
5-Hour – UT Post-License

Preventing Sexual Harassment defines sexual harassment as set forth by federal law. The course also covers steps victims should take to stop or report sexual harassment, strategies employers can take to prevent and discipline sexual harassment, and the federal protections again sexual harassment and retaliation.

30 minutes

Working Better with Diversity identifies the roles and features of cultures and how diversity and stereotypes can impact workplace communication. This course also covers different signals for uncovering communication preferences and behaviors that can improve communication in a culturally-diverse workplace.

30 minutes

Workplace Bullying Prevention defines workplace bullying and what differentiates it from harassment. The course covers why and how people bully others in the workplace as well as personal and company-level tactics to stop workplace bullying.

30 minutes

Cybersecurity Fundamentals highlights cybersecurity threats facing companies today and provides methods that can be used by individuals and companies to decrease the risk of cybersecurity breaches.

30 minutes

Fair Lending 101 identifies the purpose and home lending requirements set forth by the Equal Credit Opportunity Act and Home Mortgage Disclosure Act.

30 minutes

Fair Housing 101 describes protected classes as identified by the federal Fair Housing Act. It also covers acts prohibited under fair housing laws and methods for enforcing fair housing laws.

30 minutes

The Gramm-Leach-Bliley Act covers key provisions of the Gramm-Leach-Bliley Act’s Privacy Rule and Safeguards Rule. Specifically, you will learn requirements for protecting nonpublic information for customers and consumers as they are defined by the Privacy Rule. You will also learn information security program requirements set forth by the Safeguards Rule and FTC’s recommendations for implementing a successful information security plan.

30 minutes

Consumer Information Protection covers the impact of identity theft in the mortgage business and key provisions of the Theft and Assumption Deterrence Act, Identity Theft Penalty Enhancement Act, Fair Credit Reporting Act, and Fair and Accurate Credit Transaction Act that protect consumer information. The course also covers guidelines for establishing an identity theft protection program as set forth by the FACTA Red Flag Rules.

30 minutes

RESPA Compliance covers disclosure requirements specific to servicing, homeownership counseling, and affiliated business relationships set forth by the Real Estate Settlement Procedures Act (RESPA). It also covers violations of RESPA specific to receiving settlement service kickbacks and fees, requiring borrowers to use a specific title insurance company, and managing escrow accounts.

30 minutes

Money Laundering Prevention covers how the evolution of federal law has contributed to the prevention of illegal money laundering, red flag indicators of money laundering crimes, and key provisions set forth by BSA/AML with a specific focus on the requirement to file a Suspicious Activity Report.

30 minutes

TILA Disclosure Compliance covers mortgage loan disclosure requirements set forth by the Truth in Lending Act (TILA) with a focus on the Loan Estimate and Closing Disclosure. The course also covers TILA disclosure requirements specific to a borrower’s right of rescission and advertising.

30 minutes

The Mortgage Loan Origination Process covers key steps along the way to a loan decision, including the initial stages for qualifying an applicant, obtaining the loan application, providing application disclosures, gathering documentation needed for credit analysis, and the closing process. Also covered are general guidelines an underwriter follows to complete an analysis of a borrower’s collateral, credit history, cash assets, and capacity to repay a mortgage loan.

60 minutes

The SAFE Act describes the purpose of the SAFE Act and how the Act is implemented and enforced. Also covered are the steps and minimum qualifications to obtain and renew a mortgage loan originator license through the NMLS Resource Center to comply with the SAFE Act.

30 minutes

Mortgage Math applies the T-System to solve calculations common to the mortgage loan origination business, such as calculations specific to interest rate, points, and loan-to-value. Additionally, the course covers how to calculate a borrower’s housing expense ratio, debt-to-income ratio, and maximum allowed monthly mortgage payment.

60 minutes

Mortgage Fraud Prevention defines common fraud terms and describes different types of mortgage fraud committed by mortgage professionals, industry insiders, and borrowers. This course also identifies methods for reducing the risk of mortgage fraud, including the identification of red flags.

30 minutes

This 20-hour course covers topics required by the SAFE Act: Federal lending legislation (3 hrs.), ethics (3 hrs.), and nontraditional mortgage products (2 hrs.). Also included are 12 hours of electives on key concepts, including financial disclosure, privacy protection, consumer ID, and predatory lending protection laws; government loan programs; the SAFE Act; financial calculations; conventional loans and financing; loan processes, products, and finance instruments; and the
Uniform State Test.

Hours : 20
ISBN: 978-1-59844-449-0

Hours : 4
ISBN: 978-1-59844-434-6
Retail Price : $10

Hours : 2
ISBN: 978-1-59844-425-4
Retail Price : $10

Hours : 4
ISBN: 978-1-59844-431-5
Retail Price : $15

This course is designed as a refresher for mortgage loan originators, whether experienced or new, and includes topics that map to the SAFE Mortgage Loan Originator Test. The course prepares students for the exam by reviewing key terms and concepts associated with mortgage origination activities, key highlights of the SAFE Act, and topics included in the UST component of National Test. The course includes a review of federal lending legislation (including RESPA, TILA, ECOA, and other federal laws and guidelines); nontraditional mortgage products (including mortgage programs, mortgage loan products, and terms used in the operation of the mortgage market); and ongoing concerns with ethical behavior and associated acts designed to address these issues. Also included are a section on financial calculations as well as quizzes and practice exams to help students gauge their knowledge in key topics areas.

Hours : 8
ISBN: 978-1-59844-447-6
Retail Price : $35

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