Courses & Registration

Keep Your Career On The Right Track

Our Essentials Training webinars are designed to deliver innovative, mortgage training courses to industry professionals like you. Led by our team of experienced educators, you’ll get hands-on, practical training on topics that are relevant to your everyday operations.

Analyzing Income for the Self-Employed Borrower

Income

Learn how to calculate qualifying income using a cash flow analysis method. This practical, hands-on course is designed to walk the participant through a thorough analysis of self-employed borrower income by completing a full cash flow analysis. The case study includes analysis for a partnership (K-1/1065) and a corporation (1120). Participants will receive a cash flow worksheet (pdf) and a calculator (excel), which will aid in the application of their learning on the job. 

Intended Audience: Mortgage professionals who have at least one year’s underwriting experience and a solid understanding of the various business structures and tax forms. It is recommended the participant take the Analysis of Personal Tax Return module first or have equivalent knowledge. 


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Analyzing the Personal Tax Returns

Income

Learn how to calculate qualifying income using a cash flow analysis method. This practical, hands-on course is designed to introduce mortgage professionals to the various types of self-employed borrowers, illustrate allowable add-backs to, and required deductions from, income. Includes a step-by-step walk-through of accurate income calculation for commissioned borrowers, sole proprietors, and rental property owners. Participants will receive cash flow worksheets and access to calculation tools, which will aid in the application of their learning on the job. 

Pre-Work Recommended: Review commissioned borrower, sole proprietor, and rental property owner and complete applicable worksheets. Pre-Work will be reviewed in detail during a Live Webinar covering key learning objectives. 

Intended Audience: Mortgage professionals with a basic understanding of personal tax returns and cash flow analysis.


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Control, Manage and Write More Effective Email

Time Management

This workshop is designed for participants using Outlook to improve their skill level. Tips and techniques covered are ways to control daily flow of emails. Discover outlook tips to be more effective with email. Learn the 5 Part PADD email writing model to motivate more readers to respond to their emails. Learners will also discover simple basic tips on Outlook that can improve their productivity immediately.

Intended Audience: Mortgage professionals looking to improve their effectivness with Outlook.


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Developing a Single Effective Master List

Time Management

This module covers: 

- How the "Master List" helps you develop Strategic Thought 
- How a "Master List" is different from a typical to-do list 
- How to create a single, customized "Master List" that works 
- The benefits of the "Master List"

Intended Audience: Anyone seeking to improve their organizational skills by developing a single "Master List"


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Encompass® Delegated

Live Demonstrations

Learn about how to submit a delegated mortgage insurance application via Encompass® with Essent.


There are currently no available times.

Encompass® Non-Delegated

Live Demonstrations

Learn about how to submit a non-delegated mortgage insurance application via Encompass® with Essent. This practical, hands-on course is designed to introduce mortgage professionals to Essent Guaranty's Encompass® integration solution for ordering non-delegated mortgage insurance. You will learn about data submission and uploading documentation and receiving a commitment and more.


There are currently no available times.

Encompass® with Essent Rate Quote

Live Demonstrations

Learn about how to request a rate quote for mortgage insurance via Encompass® with Essent.


There are currently no available times.

Essent Online MI Ordering - Delegated Submission

Live Demonstrations

Learn about how to access and submit a delegated mortgage insurance application via Essent Online MI Ordering. This practical, hands-on course is designed to introduce mortgage professionals to Essent Guaranty’s internet solution for ordering mortgage insurance. You will learn about profile settings, options to enter data (input or DU 3.2 import), managing a pipeline, submitting and receiving a commitment online and more. 

Intended Audience: Mortgage professionals new to ordering delegated mortgage insurance applications via Essent Online MI Ordering, or those seeking to refresh their knowledge of the system.


There are currently no available times.

Essent Online MI Ordering - Non-Delegated Submission

Live Demonstrations

Learn how to access and submit a non-delegated mortgage insurance application via Essent Online MI Ordering. This practical, hands-on course is designed to introduce mortgage professionals to Essent Guaranty’s internet solution for ordering mortgage insurance. You will learn about profile settings, options to enter data (input or DU 3.2 import), uploading documentation, managing a pipeline, submitting and receiving a commitment and more. 

Intended Audience: Mortgage professionals new to ordering non-delegated mortgage insurance applications via Essent Online MI Ordering, or those seeking to refresh their knowledge of the system.


There are currently no available times.

Essent Online Rate Finder

Live Demonstrations

Learn how to access and request a rate quote via Essent's Rate Finder. This practical, hands-on course is designed to introduce mortgage professionals to Essent Guaranty's internet solution for requesting mortgage insurance rates and premium quotes. You will learn about profile settings, options to enter data (input or DU 3.2 import), submitting and receiving a quote online and more.

Intended Audience: Mortgage professionals new to requesting mortgage insurance rates quotes via Essent's Rate Finder tool, or those seeking to refresh their knowledge of the system.


There are currently no available times.

Faster Closings

Originations

Want to close more loans FASTER? Our new 45-minute class will show you five key tips you can take to avoid potential time delays. Whether you’re new to the industry or a seasoned professional, Faster Closings delivers something for everyone.


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Focus on Assets: Acceptable Documentation and Eligible Sources

Assets

This module will look at eligible sources for funds to close and reserves (if applicable) as well as the requirements for asset documentation. The course is designed for the participant to gain an understanding of eligible and ineligible sources of funds, interested party contributions (IPC's), large deposits, business assets, reserves, and acceptable documentation for assets.

Intended Audience: Mortgage professionals seeking fundamental knowledge of asset documentation and various types of acceptable assets for qualifying for a mortgage loan. 


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Getting Your Name Out

Selling Skills

Learn creative ways to market yourself. This practical hands on session provides tips and techniques to improve networking skills. Simple step by step strategies will be discussed for building an impactful networking plan for increased loan production. Participants will be provided specific tools to improve their networking impact. 

Intended Audience: Loan Officers seeking to improve their networking skills.


There are currently no available times.

K-1 Workshop

Income

Calculating income for Self-Employed Borrowers is an ongoing challenge. Essent Essentials K-1 Workshop is designed to shed light on the perplexities of income analysis for Partnerships and S-Corps.

Using real world examples, participants will learn how to apply FNMA and FHLMC guidelines to the Schedule K-1, evaluate business liquidity and determine qualifying income.


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LinkedIn® - Part 1

Selling Skills

The first class in our 3-part series, LinkedIn Part 1 walks you through the components of a complete profile and shows you how to use LinkedIn as a powerful networking and sales tool.

Ready for more? Check out LinkedIn Part 2 & LinkedIn Part 3


There are currently no available times.

LinkedIn® - Part 2

Selling Skills

Participants will learn how to find the right people and build meaningful relationships on LinkedIn®. You will learn how to expand your network of connections for increased referral opportunities. Learners will also learn how to plan, design and implement an action plan for potential pipeline increase.


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LinkedIn® - Part 3

Selling Skills

Learn how to engage and share insights to grow your network and become a trusted resource. You will learn how to increase connections and enhance relationships. Participants will leave workshop with a specific plan for full utilization of the power of their LinkedIn® Profile for increased referrals for mortgage loans.


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Making Sense of the 2019 Tax Returns

Income

After the Tax Cut and Jobs Act passed in late 2017, the IRS made many changes to the personal tax returns. After receiving feedback, the IRS undid many of the changes from the 2018 forms. This short session will take you on a tour of the updated tax returns and point out what has been added, what has been eliminated and what has been changed.


There are currently no available times.

Organizing and Planning a More Effective Day and Week

Time Management

Participants will learn how to be more strategic throughout the day. Learners will discover how to create mental separation between work and home (closing each day). Learn how to get off to a fast start using the "veggie" principle. Learn how to have a powerful morning (getting more done by noon). Participants will learn how to prepare a Daily List and how to develop a more effective weekly plan.  

Intended Audience: Mortgage professionals seeking to become more organized and effective each day and week.


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Phone Calls With A Purpose

Selling Skills

Increase your focus on preparing, anticipating and overcoming objections on your outbound customer calls! In this webinar, you'll learn how to incorporate techniques that will inspire customer referral engagement, and get tips on how to successfully "think on your feet" during your phone calls.


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Prioritizing and Giving Others Your Priorities

Time Management

Learn how to prioritize more strategically. Participants will learn how to probe and ask better questions. A traditional method for establishing priorities will be covered. Learners will discover a new method of determining what to work on next. Participants will learn how to give others their priorities. A five part model will be shared on how to influence others. Practical human nature examples will be covered and how it effects how we prioritize. Learn how successful people work on one thing at a time. Final topic will focus on ways to manage others expectations

Intended Audience: Mortgage professionals seeking skill improvement with prioritizing and giving other's priorities. Learn Practical ways to apply to be more effective with priorities and how to give others your priorities.


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Rental Income - Schedule "E"asy

Income

Get a guided tour of Schedule E as we take you through a cash flow analysis for a borrower’s investment properties. In this 60-minute online workshop, you'll learn the ‘why’ behind allowable add-backs in the cash flow analysis of investment property and receive hands-on practice using our Cash Flow Analysis Worksheet.


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Salaried Income Analysis

Income

Mortgage Professionals participating in this course will learn Agency guidelines for income calculation and documentation.  With guidance from an Essentials facilitator, participants will learn to interpret the cadence with which a Borrower’s income is received and also practice calculating the base, monthly, qualifying income in nine separate exercises. The practice exercises include various salaried, military, teacher and non-taxable income scenarios.


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Schedule C - Only the Schedule C

Income

Find out why line items matter on a Schedule C! In this hands-on course, you'll learn the proper adjustments to help qualify your borrowers. We'll review multiple Schedule C examples and complete a cash flow analysis for each.


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The Fundamental Need for Tax Returns

Income

In our new 45-minute class, you’ll learn WHEN you need a Borrower’s Personal Tax Returns, WHY you need them and HOW to properly use them!


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The Nuts & Bolts of Rental Income: Solving & Simplifying the When & How

Income

Learn the basics of applying Fannie Mae's & Freddie Mac’s conventional guidelines on rental income in qualifying for a mortgage. In this 60-minute webinar, we will walk you through loan scenarios designed to introduce the rental income guidelines, and highlight any differences between Agency guidelines pertaining to rental income..


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Variable Income Analysis

Income

Mortgage Professionals participating in this course will learn Agency guidelines for analyzing variable income in addition to learning how to identify potential sources of variable income. With guidance from an Essentials facilitator, participants will practice calculating the eligible monthly qualifying income for four different variable income types. As a bonus, three commonly asked, Agency guideline questions will be answered.


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Will You Hit the Goal?

Selling Skills

Learn ways to use the S.M.A.R.T. process to increase individual goal setting skills.

Intended Audience: Loan Officers looking to improve their goal setting skills.


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