|
所在平台: Udemy |
课程主页: https://www.udemy.com/course/mastering-mortgage-underwriting-a-crash-course/
课程评论：没有评论
MBA抵押贷款承保：速成班 本课程专为新手和希望提升知识的行业专业人士设计，旨在深入了解MBA抵押贷款承保的世界。您将学习评估常规贷款申请的核心原则，评估信用能力，并遵循Fannie Mae和Freddie Mac的指南。 课程将提供贷款审批流程、风险评估以及遵守行业标准的详细分步说明。学成之后，您将掌握做出明智决策所需的技能，并帮助客户自信地完成房屋贷款流程。 您将学到： * 了解常规抵押贷款承保的基础知识。 * 使用行业标准指标评估借款人的信用能力。 * 分析收入、资产和抵押品以做出明智的贷款决策。 * 轻松解读Fannie Mae和Freddie Mac的指南。 * 识别并减轻风险，同时确保符合法律标准。 课程包含： * 讲师指导的课程（简洁的视频教程）。 * 可下载的资源（4个承保备忘录和模板）。 * 真实案例（实用示例）。 * 测验和评估。 * 终身访问课程内容。 * 讲师问答环节。 课程大纲： * **模块1：** MBA抵押贷款承保简介（承保定义、承保员的作用、Fannie Mae和Freddie Mac指南概述、常规贷款与其他贷款类型的关键区别）。 * **模块2：** 理解贷款审批流程（抵押贷款生命周期、所需文件、自动化承保流程）。 * **模块3：** 信用风险评估（信用评分和信用历史评估、信用报告的危险信号、债务收入（DTI）比率）。 * **模块4：** 收入和资产分析（收入验证、自雇人士的特殊考虑、资产评估、资金来源）。 * **模块5：** 房产评估和抵押品审查（评估在承保中的作用、评估报告审查、抵押品承保标准）。 * **模块6：** 合规与风险缓解（法律和监管指南、公平贷款实践、欺诈检测与预防）。 * **模块7：** 最终确定承保决定（批准、拒绝或暂停、记录决策、与贷款官员和审批员协作）。 * **模块8：** 案例研究与实践应用（样本贷款申请、风险评估场景、常见承保挑战）。 * **模块9：** MBA抵押贷款承保领域的下一步（职业发展、认证、网络和工作机会、持续学习资源）。 讲师：Joe Correa，拥有超过18年的抵押贷款行业经验，已成功处理数百笔贷款，并拥有超过45,000名学生。 本课程提供30天退款保证。立即报名MBA抵押贷款承保，迈出您职业生涯成功的第一步。
What is mortgage underwriting? How can I start a career as a mortgage underwriter?Start a career in underwriting by unlocking the world of mortgage underwriting in this comprehensive crash course designed for beginners and industry professionals looking to enhance their knowledge. Learn the core principles of evaluating conventional loan applications, assessing creditworthiness, and adhering to Fannie Mae and Freddie Mac guidelines.This crash course provides step-by-step instructions on the loan approval process, risk assessment, and compliance with industry standards. By the end, you'll gain the skills needed to make informed decisions and help clients navigate the home loan process with confidence.Whether you're an aspiring mortgage underwriter, a loan processor, a loan officer seeking to expand your expertise, or a real estate professional, this course is your fast track to success.WHAT YOU CAN EXPECT TO LEARN FROM THIS COURSE?Understand the fundamentals of mortgage underwriting for conventional loans.Assess borrower creditworthiness using industry-standard metrics.Analyze income, assets, and collateral to make sound loan decisions.Navigate Fannie Mae and Freddie Mac guidelines with ease.Identify and mitigate risks while ensuring compliance with legal standards.WHAT'S INCLUDED IN THIS COURSE?Instructor-led Lessons: Concise video tutorials to maximize learning in minimal time.Downloadable Resources: 4 Cheat sheets and templates for underwriting.Real-World Scenarios: Practical examples to apply your knowledge.Quizzes and Assessments: Test your understanding and track your progress.Lifetime access to the course and its contentInstructor Q and A: Have a question? Ask the instructor!Get to Know the Course Outline and what's covered in this course…Module 1: Introduction to Mortgage UnderwritingWhat is Mortgage Underwriting?The Role of an Underwriter in Conventional LoansOverview of Fannie Mae and Freddie Mac GuidelinesKey Differences Between Conventional Loans and Other Loan Types that are importantModule 2: Understanding the Loan Approval ProcessThe Mortgage Lifecycle: Going From Application to ClosingRequired Documentation: Credit Reports, Income Statements, and Asset VerificationAutomating the Underwriting Process with Desktop Underwriter (DU) and Loan Prospector (LP)Module 3: Credit Risk AssessmentEvaluating Credit Scores and Credit HistoryRed Flags in Credit Reports That You Need to Be Aware ofDebt-to-Income (DTI) Ratios: How to Calculate and Analyze a DTIModule 4: Income and Asset AnalysisVerifying Employment and Income for the different types of borrowersW-2s, Pay Stubs, and Tax ReturnsSelf-Employed Borrowers: Unique ConsiderationsEvaluating Assets for Down Payment and ReservesAcceptable vs. Unacceptable Sources of Funds (Very Important!)Module 5: Property Appraisal and Collateral ReviewUnderstanding the Role of Appraisals in the Underwriting ProcessReviewing Appraisal Reports: Red Flags and AdjustmentsCollateral Underwriting Standards That Must Be FollowedModule 6: Compliance and Risk MitigationAdhering to Legal and Regulatory GuidelinesFair Lending Practices and the Equal Credit Opportunity Act (ECOA)Fraud Detection and PreventionModule 7: Finalizing the Underwriting DecisionApprove, Deny, or Suspend? Making the Right CallDocumenting Decisions and Preparing for AuditsCollaborating with Loan Officers and Processors in an Efficient MannerModule 8: Case Studies and Practical ApplicationsOverview of Sample Loan ApplicationsHands-On Risk Assessment Scenarios: Practical ExercisesCommon Underwriting Challenges and How to Overcome ThemModule 9: Next Steps in Your Mortgage Underwriting CareerAdvancing Your Skills with Mortgage CertificationsNetworking and Job Opportunities in Mortgage UnderwritingTools, Resources, and Other Courses for Continued LearningWHO IS YOUR INSTRUCTOR?With over 18+ years in the mortgage industry and having closed hundreds of loans, Joe Correa is an industry leader who owns and runs Finibi Mortgage Inc. He has over 45,000+ students and thousands of positive reviews so you are in good hands!TAKING ACTIONThroughout the entire course, you will be asked to participate and take action so thzt you get hands on practice to absorb all the content you will learn. This isn't just theory, its practical applications to real world mortgage problems that you will encounter in your career. Get started learning and taking action.Now is the time to start a career in underwriting!This course comes with a 30-day money-back guarantee. If you're not satisfied, you'll get a full refund - no questions asked.Don't wait any longer to take your career to the next level. Enroll in Mastering Mortgage Underwriting today and gain the skills you need to succeed in the mortgage industry.Click the button below to get started now - and I'll see you in the course!Join thousands of professionals who've mastered mortgage underwriting. Enroll today, your success starts here!
