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

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Course Descriptions:

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• FCRA/FACTA:
  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.

• 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.

• 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.

• Identity Theft Red Flags Rules
  The objective of this course is to detail the components of the Identity Theft Red Flags Rules in order to identify, detect, and prevent identity theft of customers.

• 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.

• 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.

• 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.

• 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.

• 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.

• Responsible Selling: 
  This course covers the following objectives: what is meant by responsible selling, why you should not use high pressure sales tactics with customers, why it is important to provide full disclosure of the mortgage products to customers, and why it is important to maintain confidentiality of customer details.

• 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.

• 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.

• 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.

• 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.

• 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.

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Oh, shift!: Personal Power
While personal development is always an admirable goal, Jennifer and Mark remind listeners of this episode that it’s okay to experience times where they feel less motivated to work on self-improvement.

Oh, shift!: Reactions
It’s easy to react negatively when things don’t go the way we want. In this episode, Jennifer and Mark explore the importance of expectation setting as part of managing our reactions.

Oh, shift!: Wild Card
If you’re a working professional, you may be working towards a leadership position. In this episode, Jennifer and Mark encourage listeners and leaders alike to check in with themselves to make sure a leadership role is the right fit.

Oh, shift!: Flow
If you’ve ever felt like you’re not as productive as you should be, this one’s for you. In this episode on flow, Jennifer and Mark share ways listeners can stop punishing themselves and become more productive by focusing their energies on things they are good at.

Oh, shift!: Change
Do you experience negative self-talk when faced with making changes? In this episode, Jennifer and Mark encourage listeners to check in with themselves about this “self-flogging” to make sure it’s not destructive.

Oh, shift!: Words
This episode is all about the power of words that express gratitude. Jennifer and Mark discuss the anthropological roots of humans’ need to receive validation and why we should make little changes to express gratitude more regularly.

Oh, shift!: Self-Awareness
Do you tend to seek direction in life from external or internal resources? In this episode about self-awareness, Jennifer and Mark consider the importance of listening to our intuition as our internal guidance system.

Oh, shift!: Wild Card
This Wild Card episode is about the pressure we put on ourselves to live a “healthy” lifestyle. Jennifer and Mark provide ways listeners can be kinder to themselves when making health changes in order to find balance.

Oh, shift!: Personal Power
Do you beat yourself up when you procrastinate? Maybe you are just the type of person who works better under pressure! In this episode, Jennifer and Mark discuss the personal power that comes when we seek the positive that comes from our perceived flaws.

Oh, shift!: Change
It’s human nature to be averse to change. In this episode, Jennifer and Mark explore the anthropological roots of this tendency and explain why we should be kinder to ourselves when we go through changes.

Oh, shift!: Reactions
We all have difficult people to deal with in our lives. This episode focuses on how we can shift our perspective to react more positively when dealing with challenging personalities.

Oh, shift!: Words
As humans, it can be hard to express our true thoughts without fear of judgment. This episode focuses on the power of words and the value of speaking your truth. Jennifer and Mark share their experiences with and tips for bringing a group of people together to speak from their hearts in a space free of judgement.

Oh, shift!: Flow
Do you find yourself comparing your life to what you see on social media? In this episode, Jennifer and Mark explore the negative impact this can have on our ability to be in flow.

Oh, shift!: Wild Card
We all want to be fulfilled by our work, but it’s easy to feel bogged down by day-to-day tasks. In this episode, Jennifer and Mark encourage listeners to take a “big picture” view to see how their work contributes to society.

Oh, shift!: Self Awareness
Many of the ways we function today have roots in our early history as human beings. This episode focuses on having self-awareness around the millions of years of biological programming influencing our behaviors today in order to show ourselves more compassion.

Oh, shift!: Personal Power
Our society faces a lot of external pressures when it comes to how we feel about our physical health. In this episode, Jennifer and Mark promote ways to become mentally in tune with our bodies in order to more effectively care for them.

Oh, shift!: Change
We all have routines we are stuck in. But what happens when we make a conscious effort to change our habits? Jennifer and Mark encourage listeners of this episode to change things up in order to get their brains thinking in new ways.

Oh, shift!: Words
The news is a powerful source of words that can have a negative impact on our lives. In this episode, Jennifer and Mark explore this impact and encourage listeners to be in tune with how news affects their mindsets.

Oh, shift!: Wild Card – Reactions
Have you ever felt two internal voices debating whether to speak up in a meeting? Identifying the difference between them can enable you to have more power over your reactions. This episode explores the nature of these two voices, the ego and the self.

Oh, shift!: Wild Card – Aging
There’s no denying it – no matter your age, we are all getting older. In this “wild card” episode, Jennifer and Mark look at how to shift your perspective on aging to a more positive lens. After all, with age comes wisdom and valuable life experience.

Oh, shift!: Flow
This episode builds on previous ones about the dichotomy of flow and resistance. There will always be situations where you’ll find yourself in resistance, and that’s okay. Jennifer and Mark discuss how identifying your behavioral patterns is the most important way to show yourself more compassion when these situations arise.

Oh, shift!: Self-Awareness
If you’re a people-pleaser, it’s important to recognize when you’re putting others’ needs before your own. This illuminating episode emphasizes how to achieve self-awareness around people-pleasing in order to find balance.

Oh, shift!: Personal Power
Everyone is on a different journey in life. When you allow someone else’s bad energy to affect you, you give away your personal power. In this episode, Jennifer and Mark explore how to control your tendency to have negative reactions by exercising your personal power.

Oh, shift!: Change
When you accomplish a goal, are you the type of person who basks in your success, or do you immediately start planning for your next big achievement? This episode dives into the importance of defining success for yourself and celebrating your accomplishments.

Oh, shift!: Wild Card – Physical Pain
In this episode, Jennifer and Mark explore the relationship between physical and mental well-being. They discuss how mental stress can negatively impact physical well-being and urge listeners to seek more awareness around how stress may be affecting their bodies.

Oh, shift!: Reactions
This episode is all about our reactions. Do you find yourself consistently reacting in a strong way in similar situations? Jennifer and Mark urge you to become a student of your reactions in order to recognize patterns and live a more harmonious life.

Oh, shift!: Words
Are you on a journey with embracing positivity but faced with people who constantly bring negative energy to the table? This episode features Jennifer and Mark discussing ways of dealing with negative people in your life through the power of words.

Oh, shift!: Self Awareness
Do you have awareness around the source of recurring fears, beliefs, or worries in your life? In this episode, Jennifer and Mark encourage listeners to check in with themselves to figure out how the stories they’ve been told throughout their lives affect the way they interact with the world.

Oh, shift!: Flow
This is the second episode in our Oh, shift! podcast series that focuses on the dichotomy of flow and resistance. Jennifer identifies ways listeners can discover if they are more in resistance than flow, and she outlines small changes you can make to live more in flow. If this resonates with you, be sure to go back and listen to our 12/9/2019 episode on Flow, which lays the foundation for this episode!

Oh, shift!: Personal Power
Are you someone who often blames yourself for things that aren’t fully your fault? If so, this episode is for you. Jennifer and Mark urge you to ask yourself, “What role do I really play?” in order to start taking responsibility and stop blaming yourself for things that aren’t your fault.

Oh, shift!: Change
Do you make changes in your life for other people more often than for yourself? In this episode, Jennifer and Mark revisit the topic of change and urge listeners to stay authentic to themselves when making changes.

Oh, shift!: Wild Card (2)
In our first podcast of the year, Jennifer and Mark pose questions you can ask yourself to figure out what you want out of life. What are you good at? What are you not so good at? What do you like? What do you dislike? Referring to the answers to these questions regularly can allow you to live a life more in line with the one that you want.

Oh, shift!: Words
Words are one of the most powerful and abundant resources we have at our disposal. In this episode, Jennifer and Mark focus on the positive and lasting impact our words can have on other people.

Oh, shift!: Happiness
This episode features Jennifer Powers and Mark Tucker discussing the peaks and valleys of life and how it’s only the difficult times that give us the perspective we need to achieve times of happiness.

Oh, shift!: Reactions
We all know it’s hard to resist having a negative knee-jerk reaction sometimes. In this episode, Jennifer and Mark talk through the importance of pausing when these situations arise and applying the Oh, shift! mentality to change our reactions and respond more positively.

Oh, shift!: Flow
Episode 5 explores the dichotomy of flow and resistance. Our tendency to resist things happening at home, while commuting, at work, and so on takes away our ability to be productive and creative. In this episode, Jennifer and Mark talk about how you can become aware of your tendency to resist and learn to go with the flow instead.

Oh, shift!: Personal Power
In this episode, Jennifer and Mark explore how blaming someone else for your problems gives your own personal power away. Who or what are you blaming for your problems? How can you take charge and change the situation for yourself?

Oh, shift!: Wild Card
It’s easy to feel stuck in a situation with no way out. We don’t always realize that in any situation, we always have at least two options at our disposal. In Episode 4 of our Oh, shift! podcast series, Jennifer Powers and Mark Tucker focus on the power of choice.

Oh, shift!: Change
Do you find yourself itching to make a big transformation in your life? We are all on a personal journey with change. In Episode 3, Jennifer Powers and Mark Tucker discuss why it’s essential to accept yourself first and change on your own personal timeline.

Oh, shift!: Words
Words can have a profound effect on the way we think about ourselves and the world around us. What words are you using to speak about yourself, your life, and your relationships? How does that affect the way you value yourself? This episode features Jennifer Powers and Mark Tucker discussing a very important Oh, shift! topic – the power of words.

Oh, shift!: Self-Awareness
Jennifer Powers, bestselling author of Oh, shift! and her business partner/husband Mark Tucker introduce Episode 1 of this enlightening new podcast series with a lesson on the importance of self-awareness. They discuss how becoming self-aware can allow you to make positive changes in your life.

Relationship Marketing Can Only Get You So Far
Relationship marketing is only one arrow in your marketing quiver. While relationship marketing is key to long-term success in mortgage sales, in combination with both transactional and value-added marketing you’ll have the ability to create sustainable success. Listen in to learn how you can increase your business by developing a marketing plan focused on delivering both short-term and long-term value to customers.

Sales Apps That Help You Prospect
There are a host of apps that can help you in your sales prospecting. From apps that help you figure out any individual’s email address, to apps that help you send quick video messages to uploaded contact lists, listen in to learn about tools that can help you reach more prospects efficiently.

3 Steps to Building a Successful Sales Action Plan
Developing a sales action plan can help individuals and teams determine the scale and scope of activity that needs to be accomplished each day in order to be successful. Listen in to learn the 3 steps to create your plan and incorporate target, activity, and personal development goals to help you gain more business.

3 Great Questions for Productive Client Conversations
Good questions are more powerful than great statements. Employing curiosity and asking questions can help you master the art of listening, which will help you sell. Listen in to learn about 3 great questions to help guide your conversations with clients, prospects and referral partners.

3 Simple Ways to Put Yourself in the Right Place at the Right Time
With 40% of mortgage originators doing 80% of the volume, it may seem that they are lucky to be in the right place at the right time. But you can make your own “luck.” Listen in to learn about the 3 keys to jumpstarting your production: proximity, preparation, and persistence.

How to Increase Your Productivity by 300%
Habits control 40% of what we get done in a day. Learn how to work smarter and not harder by developing focus and productivity habits that will help you spend more time prospecting new business, and get more done in a shorter block of time. Listen in to gain insight into managing time in conjunction with your attention and energy.

How to Keep Your Borrower from Shopping You

How to WOW in a Face to Face Setting

Increasing Discipline and Overcoming Distractions

Tips to Help Your LOs or AEs Increase Volume with Killer Action Plans

How to Sell Around Price

How to Eliminate the Peaks and Valleys of Origination Volume

Hiring and Building Teams

The Impact of New Changes from HMDA to Sales Organizations

Moving a Loan Officer from 2 Units to 5 Units

Winning the Recruiting War

What to do When a Real Estate Agent Has Not Given You Business

Top 4 Reasons Realtors Don’t Use You

Strategies for Finding New Realtor Leads

Social Media and Prospecting

Untapped Selling Opportunities for LOs

Selecting Your Personal Value Proposition

Sales Training in Call Centers

Pathway to Purchase Business

How to Convert a Cold Agent Into a Funding Partner

Good Questions are More Powerful Than Strong Statements

Doubling Your Business Using Events
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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.

• First time Homebuyer Education for Freddie Mac Home Possible®
• First time Homebuyer Education for Fannie Mae HomeReady®
• HomeTrek Online Homebuyer Education

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.
Click HERE to request.
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How to Automate Current Client Communication, with Bruce Lund, Ph.D.
Click HERE to access a previous recording of this webinar.

• Loan Officers are busier than ever during this ReFi boom, which is why Bruce Lund, Ph.D., will be sharing his step-by-step process, developed through a year-long case study with some of his top producers, to help automate client communication while staying authentic to your process, message, and culture.

Bruce Lund, Ph.D., presenting 5 Habits of Highly-Effective Salespeople; Habit #2
Click HERE to access a previous recording of this webinar.

• What does it mean to be proactive in your prospecting? Bruce Lund, Ph.D., will guide you step-by-step through the entire lead generation-to-appointment process with your realtors. Sales is a game of probability, and working a consistent, disciplined selling system will remove the guess work and make the sales process fun.

Bruce Lund, Ph.D., who is presenting your Dream 100
Click HERE to access a previous recording of this webinar.

• Do you struggle with keeping your database organized? In this webinar, Bruce Lund, Ph.D., will help you build out your “Dream 100” database to proactively target and leverage during the next 90 days

Bruce Lund, Ph.D., presenting 5 Habits of Highly-Effective Salespeople; Habit #1
Click HERE to access a previous recording of this webinar.

• The foundation of any business relationship should start with shared beliefs. In this webinar hosted by Bruce Lund, Ph.D., you will learn to marry your unique belief proposition with your unique value proposition in order to stop commoditizing yourself to clients or referral partners.

How to Ask for Referrals with Bruce Lund, Ph.D.
Click HERE to access a previous recording of this webinar.

• Did you know that salespeople who ask for referrals and repeat business out-produce those who don’t by up to five times? During this course, Bruce Lund, Ph.D. will give you practical “how-to” strategies to ask for referrals from new clients and repeat business from past clients.

Bruce Lund, Ph.D. in Marketing to Your Past Data Base
Click HERE to access a previous recording of this webinar.

• Did you know that for every 100 past clients in your database, you could get 1-3 additional loans per month? Bruce Lund, Ph.D. will host this webinar and provide you scripts you can use with your past client database to “find new money” and drastically increase referrals and repeat business.

Bruce Lund, Ph.D. presenting Managing Emotions During Crisis
Click HERE to access a previous recording of this webinar.

• Bruce Lund, Ph.D., founder and director of 90-Day Sales Manager™, will discuss how you can manage your emotions, how to be a leader during challenging times and how to strengthen and solidify your role as a must-have industry expert for your clients.

First Conversations with Potential Referral Partners featuring Bruce Lund, Ph.D. and Sean Moudry
Click HERE to access a previous recording of this webinar.

• Having something to say is just as important as having somebody to say it to. Bruce Lund, Ph.D. and realtor/broker Sean Moudry host this month’s training on scripts in the first conversation when calling on potential referral partners (real estate agents) based on their experience level and personality.

RESPECT: The Missing Ingredient to Your Story
Click HERE to access a previous recording of this webinar.

• Bruce Lund, Ph.D. hosts this webinar that will give you tools to build respect in yourself and command respect from others in order to overcome market commoditization and compression in your business.

How to Create Your Perfect Presentation for Lunch and Learns
Click HERE to access a previous recording of this webinar.

• Is doing more presentations and/or webinars part of your 2020 marketing plan? If so, this webinar is for you. Join us as Bruce Lund, Ph.D. lays out a game-plan for you to take your presentations to the next level in 2020.

Bruce Lund, Ph.D. on Your 2020 Marketing Plan.
Click HERE to access a previous recording of this webinar.

• Join Bruce Lund, Ph.D. and get back to basics to set an achievable marketing plan for yourself in 2020. Learn how you can increase your brand awareness, exposure, and reputation to become top of mind for future clients in today’s complex digital marketing world.

Presenting on Your 2020 Sales Plan with Bruce Lund, Ph.D.
Click HERE to access a previous recording of this webinar.

• Join Dr. Bruce Lund for this invaluable webinar as he discusses how to present on your 2020 sales plan, then get help setting your dominant sales focus for 2020 and build your primary and secondary sales strategies.

Click HERE to access a previous recording of this webinar.