National MI’s Seminar Series: Topics You Want, Your Way


National MI is pleased to announce a series of new training seminars as part of our MI University. Stay informed on the leading topics and fundamentals that are important to your industry.

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Access resources to First Time Home Buyers Education and Landlord Counseling.

First Time Home Buyer Program

Valuable information and insights to help first-time home buyers navigate the process, from qualifying for a mortgage to where to find home buyer assistance programs.

Landlord Counseling

An overview of the responsibilities of being a landlord, and the technical, practical and financial topics that a home buyer should understand before purchasing a rental property.

If you’d like to get more information regarding a Framework coupon, please contact

Wednesday, November 16th, 2016- Reaching the Hispanic Homebuyer

11:00 AM – 12:00 PST/ 12:00 PM – 1:00 MST / 2:00 PM – 3:00 EST

  • Hispanics accounted for 69% of the growth in homeownership last year. Next year, they are expected to increase their market share significantly. While Hispanic homebuyers present an opportunity for mortgage and real estate professionals, they also require a keen understanding of marketing and customer service preferences that are specific to them. In this 1-hr session, participants will gain an understanding of critical buyer nuances, and how to use practical steps to develop a winning strategy with Hispanic Millennials, Hispanic Gen Xers and Hispanic Baby Boomers.
  • Sign up to attend the webinar here.

November – December 2016 – Collateral Underwriter Course Series (5-Part)

  • National MI is pleased to offer a series of five courses on Collateral Underwriter® Fannie Mae’s proprietary risk assessment tool in collaboration with Fannie Mae. Taught by Lyle Radke, a risk manager on Fannie Mae’s Collateral Policy and Strategy team, these 1-hour courses will demonstrate how to use the CU tool in your underwriting appraisals – from the fundamentals of CU functionality and navigation, to how to implement CU in your daily processes and leverage CU findings in a way that works for your organization.
  • Scores and Messages (1-hour): November 1, 2016
    10:30 AM – 11:30 PDT/ 11:30 AM – 12:30 MDT / 1:30 PM – 2:30 EDT

    • This course explains the principles behind the CU risk score, flags and messages, and provides insights on how to interpret them. Fannie Mae also shares its vision of why appraisal quality matters, and leads a Q&A session for course participants.
    • Sign up to attend the webinar here.
  • Basic User Interface (1-hour): November 8, 2016
    10:30 AM – 11:30 PST/ 11:30 AM – 12:30 MST / 1:30 PM – 2:30 EST

    • This course demonstrates basic CU functionality including general system navigation, basic search and help functions; appraisal results including risk score, flags, messages, mapping, aerial photography, comparables, public records, and printable report. Basic low risk and high risk use cases highlighting comparable selection and data integrity will also be explored.
    • Sign up to attend the webinar here.
  • Efficient and Effective Use for Appraisal Underwriting and QC (1 hour): November 17, 2016
    10:30 AM – 11:30 PST/ 11:30 AM – 12:30 MST / 1:30 PM – 2:30 EST

    • This course builds on the principles and basic navigation learned in the previous courses by introducing a framework for how to use CU efficiently and effectively for appraisal underwriting and QC. Topics include how to leverage the CU automated findings to allocate time and resources based on risk profile, and how to use CU to identify, investigate and manage collateral risks. A review of observations from the rollout of CU including how other lenders have successfully implemented CU in their daily processes will be discussed.
    • Sign up to attend the webinar here.
  • Advanced User Interface (1-hour): December 7, 2016
    10:30 AM – 11:30 PST/ 11:30 AM – 12:30 MST / 1:30 PM – 2:30 EST

    • This course presents several high-risk use cases covering data integrity, comparable selection, adjustments and reconciliation. Advanced tools in the CU tool kit are also demonstrated including Workflow Search, customizable comp search, market trends, heat maps, and adjustment analysis.
    • Sign up to attend the webinar here.
  • Implementation (1-hour): December 15, 2016
    10:30 AM – 11:30 PST/ 11:30 AM – 12:30 MST / 1:30 PM – 2:30 EST

    • This final session presents one last use case which demonstrates how to resolve appraisal risks through the application of multiple tools from the CU tool kit. We also talk about how to design a front-to-back program including policies and procedures, AMC and appraiser engagement, Correspondent lending, QC applications, and reporting.
    • Sign up to attend the webinar here.

Wednesday, December 14th, 2016- Completing the URLA: A Step by Step Guide to an Accurate Mortgage Application

10:00 AM – 12:00 PST/ 11:00 AM – 1:00 MST / 1:00 PM – 3:00 EST

  • Accurately completing the Uniform Residential Loan Application or URLA (the 1003) is key to a properly packaged mortgage file. In this 2-hr session, participants will learn the proper rules for the completion of the URLA including the terms of the loan, borrower details, income, credit information, and funds to close. The fields where compliance fit in, and the ways to communicate the requirements effectively to a customer to ensure fairness and accuracy will also be reviewed. You’ll even learn about upcoming changes to the loan application so you can get ahead of the game.
  • Sign up to attend the webinar here.

National MI also offers onsite and live webinars, contact your National MI Sales Advisor for more information.








Course Descriptions:

  • NSS under RESPA: Servicing Delinquent Borrowers:
    This course will describe some of the mortgage servicing requirements that were published under the 2013 RESPA Servicing Final Rule. These include early intervention requirements for delinquent borrowers, details for continuity of contact with delinquent borrowers, loss mitigation procedures, and the types of loans covered under the Final Rule.
  • National Servicing Standards under TILA:
    Regulation Z, the Truth in Lending Act (TILA), was created to promote the informed use of consumer credit. It also offers protections for consumers’ credit transactions. The objective of this course is to understand certain details under Regulation Z, the Truth In Lending Act. These range from initial and final disclosure rules to the components for advertising and high cost loans.
  • ATR & QM Features:
    In January 2013, the Consumer Financial Protection Bureau (CFPB) issued regulations under the Truth in Lending Act requiring lenders to make a reasonable, good-faith determination about a borrower’s ability to repay a loan prior to the loan closing.  This course will define the ability to repay standards, show the criteria for a qualified mortgage (QM), explain terminology under the rules, and specify the borrower’s options to legally challenge a creditor’s ability to repay decision.
  • QM Points and Fees and Exemptions:
    The Ability to Repay / Qualified Mortgage (ATR/QM) Rule provides a rebuttable presumption of compliance with the borrower’s ability to repay. However, QMs must meet certain thresholds for total points and fees paid at closing. This course will describe how to calculate a qualified mortgage’s total points and fees, identify the fees that must be excluded from this calculation, show exemptions to the ability to repay rules, and explain the details for prepayment penalty restrictions.
  • Ability to Repay for Mortgage Professionals:
    The Consumer Financial Protection Bureau (CFPB) issued regulations under the Truth in lending Act for lenders to make a reasonable, good-faith determination about a borrower’s ability to repay a loan prior to the loan closing. This course will examine how mortgage professionals can identify the borrower’s ability to repay the mortgage, the impact to the origination and underwriting processes, the pricing thresholds and caps to be in compliance with the ability to repay rules, and the risks to mortgage professionals with these regulations.
  • Federal Regulations (Flood insurance, US Patriot Act, Esign/Edisclosure, Do Not Call, SAFE Act):
    The objective of this course is to define certain federal regulations and their importance in the mortgage market.
  • Fair Lending Laws (ECOA, HMDA, UDAAP, AML and Fair Housing Act):
    It is imperative to be in compliance for notifications of action taken, including the process for communication when an applicant is denied. The role of the Consumer Finance Protection Bureau (CFPB) is also explained along with the regulations, rules, and principles that must be followed. Specifics are presented to make sure advertisements are clear and contain certain details to prevent unfair and deceptive language that would cause customers to be confused.
  • Gramm-Leach Bliley Act”>Gramm-Leach Bliley Act:
    The objective of this course is to define the importance of keeping customer information secure and private.
  • HPA (Private Mortgage Insurance Cancellation):
    The objective of this course is to provide the details for cancellation of private mortgage insurance and the disclosures provided to the borrower.
    The objective of this course is to provide detail from the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACTA). This includes information for fraud alerts, credit scores, and credit reports.
  • TRID 1 (Overview of all the changes):
    This curriculum consists of three courses explaining the general requirements of the law that combined multiple disclosures into two separate forms, which are the Loan Estimate and the Closing Disclosure. This three-course curriculum will explain the purpose of the two disclosures and their relationship to each other, outline the receipt and delivery requirements of the disclosures, define the circumstances when the forms can be revised, and show the tolerance levels for increases in settlement costs.
  • TRID 2 (Deep Dive into Loan Estimator):
    Completing the Loan Estimate (TRID #2) will provide step-by-step instructions for completing the Loan Estimate as required by the Integrated Disclosures Rule. The course will detail the proper format of the required information on each page of the Loan Estimate, explain the different categories and proper locations for disclosing estimated settlement charges, and list the other disclosures that are included on the Loan Estimate.
  • TRID 3 (Deep Dive into Closing Documents): 
    Completing the Closing Disclosure (TRID #3) will explain the relationship between the Loan Estimate and the Closing Disclosure, show the proper format for the required information on all five pages of the form, define the different categories and proper locations for disclosing actual settlement charges, and list the other disclosures that are included on the Closing Disclosure.
  • Preventing Mortgage Fraud:
    In this course, there is an explanation of the different fraud schemes so mortgage professionals can easily detect and prevent them from occurring. In addition, this course will identify the two regulatory entities working to track mortgage fraud cases and the red flags that indicate there may be mortgage fraud or misrepresentation in the loan documentation.
  • Self-Employed Borrowers: 
    Analyzing tax returns, and calculating qualifying income for a self-employed borrower can be the most challenging tasks when analyzing a loan because there are so many schedules and forms to consider. This webinar will explain the situations when tax returns are required, compare the different types of self-employed borrowers, clarify what to look for when reviewing business tax returns, discuss how to assess the different schedules and forms found in tax returns, and walk through exactly what you need to calculate in qualifying income for a self-employed borrower.
  • When Fraud becomes a Felony (Mike Davis Story):
    This course will present the true story of Michael A. Davis, owner of a title company and a mortgage company, who spent six years in prison for committing mortgage fraud of over $7 million dollars. This fraud not only ruined more than 40 families, but also nearly led a highly respected wholesale lender to bankruptcy.
  • SAFE Act and Mortgage Loan Originator Licensing Rules: 
    This self-guided online course will provide a detailed analysis of the SAFE Act and Mortgage Loan Originator Licensing rules. This course is not state specific. It reviews terminology from the SAFE Act, licensing requirements, education details, and ways to remain in compliance with the SAFE Act.”>SAFE Act and Mortgage Loan Originator Licensing Rules.
  • Introduction to Mortgage Lending:
    The objectives of this course are to provide an overview of mortgage banking along with learning the steps in the mortgage loan process. It also explains the roles and responsibilities for those involved in the mortgage loan process.”>Introduction to Mortgage Lending.
  • Completing the URLA:
    This course will emphasize the proper rules for its completion, the fields where compliance guidelines fit in, and the ways to communicate the requirements effectively to a customer to ensure fairness and accuracy.
  • Traditional Mortgage Products: 
    This course is part of a series of self-guided online courses that will provide a detailed analysis of mortgage banking rules and regulations. The objective of this course is to provide an overview of traditional mortgage products.
  • Credit Analysis:
    This course will present the five factors that make up a borrower’s credit score and how certain actions taken can impact the score as well as nontraditional credit is described as an option for borrowers without a credit score or with thin credit.
  • Income Analysis:
    This course will identify several examples of stable employment, methods to document employment and income to meet program guidelines, and the most common calculations for establishing acceptable qualifying income for a borrower.
  • Verification of Assets: 
    This course covers the following objectives: Outline acceptable source of funds, define the importance of acceptable assets in a mortgage transaction, detail unacceptable source of funds, define excess seller contributions, analyze a case study for funds to close.
  • Closing the Loan:
    This course will assist mortgage professionals in educating their customers about the closing process, enabling them to be well prepared for a smooth closing experience. Closing packages are not a few pages anymore! Starting with the closers who prepare the package to the title company representatives (or attorneys) who conduct closings, all must have a vast knowledge of the information on each document. In addition, title insurance plays an integral role in the closing process. The elements of title insurance, the different ways co-ownership can be held, and title terminologies are all presented in this course.