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.
1065/K-1 Partnership Analysis (with Schedule F) – Self-Employed Borrower
Income
30-Minute Session
This hands-on course includes analysis for a PARTNERSHIP (1065/K-1/Schedule F) using a cash flow analysis method. Participants learn how to apply FNMA and FHLMC guidelines to the Schedule K-1, evaluate business liquidity and determine qualifying income.
▶ Watch Full Recording
There are currently no live class times available.
1065/K-1 Partnership Analysis – Self-Employed Borrower
Income
30-Minute Session
Learn how to calculate qualifying income for a self-employed borrower. This hands-on course includes analysis for a Partnership (1065/K-1) using a cash flow analysis method. You will learn how to apply FNMA and FHLMC guidelines to the Schedule K-1, evaluate business liquidity and determine qualifying income.
▶ Watch Full Recording
Register Now
1120 Corporation Analysis – Self-Employed Borrower
Income
30-Minute Session
Learn how to calculate qualifying income for a self-employed borrower. This hands-on course includes analysis for a CORPORATION (1120) using a cash flow analysis method. Participants will receive our cash flow analysis tools, a cash flow worksheet (PDF) and calculator (Excel) to help you in your daily practice.
▶ Watch Full Recording
Register Now
1120S/K-1 S-Corporation Analysis – Self-Employed Borrower
Income
30-Minute Session
This hands-on course includes analysis for a S-CORPORATION (1120-S/K-1) using a cash flow analysis method. Participants learn how to apply FNMA and FHLMC guidelines to the Schedule K-1, evaluate business liquidity and determine qualifying income.
▶ Watch Full Recording
Register Now
Advanced Variable Income
Income
Learn to tackle real-world challenges like hourly rate increases, significant income increases and variable hours. Practice hands-on scenarios and learn to apply GSE guidelines for accurate income assessments.
Prerequisite: Variable Income Analysis
▶ Watch Full Recording
Register Now
ARM Refresher
Income
Indexes, margins, caps and more...3/6, 5/6, 7/6 to explore. Join us for a lively discussion on ARM components, how to accurately qualify your borrower and when it is the right "fit" for your scenario.
▶ Watch Full Recording
There are currently no live class times available.
DU Live! Advanced (Micro Session)
Originations
Let’s review several complicated Desktop Underwriter® Findings reports, including messages involving gifts already deposited, Community Seconds®, income from second jobs, large deposits, HomeStyle® Renovation and more.
▶ Watch Full Recording
There are currently no live class times available.DU Live! How to Read AUS Findings Like a PRO
Originations
30-Minute Session
During this session we will discuss what DU® reviews; the Importance of data integrity and we will highlight key areas of interest on the Summary Report and the UW Analysis Report.
Intended Audience: new loan officers, processors and other mortgage operations professionals.
▶ Watch Full Recording
There are currently no live class times available.FAQs on Assets (Micro Session)
20-Minutes
20-Minute Micro Session
Review 8 FAQs about assets and get the answers!
▶ Watch Full Recording
Register Now
Faster Closings
Originations
60-Minute Session
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, and has been updated to include the NEW 1003 (URLA). Whether you’re new to the industry or a seasoned professional, Faster Closings delivers something for everyone.
▶ Watch Full Recording
There are currently no live class times available.Focus More. Achieve More.
Time Management
If you have ever thought to yourself, how does she get it all done or how does he have time to attend classes while working full time, then this course is for you. In this 1-hour webinar, we will show you three easy methods to begin using immediately to achieve next level productivity in both your personal and professional life.
▶ Watch Full Recording
There are currently no live class times available.Focus on Assets: Acceptable Documentation and Eligible Sources
Assets
60-Minute Session
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 (IPCs), 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.
▶ Watch Full Recording
Register Now
K-1 Comparison – The Differences Between FNMA and FHLMC (Micro Session)
20-Minutes
20-Minute Micro Session
Learn the differences between FNMA & FHLMC guidelines for calculating your self-employed borrowers income when they own a K-1 business.
▶ Watch Full Recording
Register Now
LPA Live! Advanced
Originations
30-Minute Session
Let’s take a deeper dive into an LPA℠ Feedback report reviewing messages involving Income and Asset Rep and Warrant Relief; Home Possible® loan requirements; area median income; borrower income and employment – third-party validation, EMD and more.
▶ Watch Full Recording
There are currently no live class times available.LPA Live! How to Read AUS Findings Like a PRO
Originations
30-Minute Session
During this session we will discuss what LPA℠ reviews; the Importance of data integrity and we will highlight key areas of interest on the Feedback Certificate.
Intended Audience: new loan officers, processors and other mortgage operations professionals
▶ Watch Full Recording
There are currently no live class times available.Mortgage Fraud Schemes & Red Flags
Originations
60-Minute Session
In this workshop, you'll learn how to identify when fraud and misrepresentation are occurring. Hands-on exercises show you how to identify red flags and to understand the differences between fraud schemes and fraud techniques.
▶ Watch Full Recording
There are currently no live class times available.Paystubs – Frequency & Formulas (Micro Session)
20-Minutes
20-Minute Micro Session
Practice determining frequency of pay and how to accurately qualify your salaried borrowers.
▶ Watch Full Recording
Register Now
Quick Tips for Bonus/Overtime (Micro Session)
20-Minutes
20-Minute Micro Session
Practice calculating variable income analysis using two commonly encountered types of income.
▶ Watch Full Recording
Register Now
Rates Are Up – Time To Buydown?
Income
Join us as we demonstrate types, break-even points and more. It's as easy as 3,2,1!
▶ Watch Full Recording
There are currently no live class times available.Ratios and Mortgages
Originations
60-Minute Session
Learn the mathematical formulas for five key ratios used to assess the risk associated with mortgage loans. We'll review what each ratio represents, why and how it is used in an analysis and where and how it functions in the decision-making process.
Intended Audience: New loan officers, processors and other mortgage operations professionals. (Established professionals may also find this course a good refresher.)
▶ Watch Full Recording
There are currently no live class times available.Rental Income – Schedule "E" Made Easy (Micro Session)
20-Minutes
20-Minute Micro Session
Download our Rental Property Investment Calculator and join us for a hands-on session. In just 20 minutes, you will learn how this great tool not only saves you time but also walks you through the income analysis step by step to accurately qualify your borrower.
▶ Watch Full Recording
Register Now
Rental Income – Schedule "E"asy
Income
60-Minute Session
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.
▶ Watch Full Recording
Register Now
Salaried Income Analysis
Income
60-Minute Session
Mortgage professionals participating in this course will learn Agency guidelines for income calculation and documentation. With guidance from an Essent 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.
▶ Watch Full Recording
Register Now
Schedule C – Only the Schedule C
Income
60-Minute Session
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.
▶ Watch Full Recording
Register Now
Schedule C – Why Line Items Matter (Micro Session)
20-Minutes
20-Minute Micro Session
Learn why line items matter on a Schedule C so you can properly make cash flow adjustments when analyzing the borrower who is a sole proprietor of a business.
▶ Watch Full Recording
Register Now
The Nuts & Bolts of Rental Income: Solving & Simplifying the When & How
Income
60-Minute Session
Learn the basics of applying Fannie Mae's & Freddie Mac’s conventional guidelines on rental income in qualifying for a mortgage. We'll walk you through loan scenarios designed to introduce the rental income guidelines, and highlight any differences between Agency guidelines pertaining to rental income.
Understanding Business Liquidity (Micro Session)
20-Minutes
20-Minute Micro Session
Learn the 3 big benefits of proving liquidity in your self-employed borrowers’ businesses.
▶ Watch Full Recording
Register Now
Valid and Validation
Originations
60-Minute Session
Learn some of the industry lingo while exploring the importance of Valid AUS Findings to the loan file. Participants will also learn how Validation services and third-party vendors are available to help us properly document a loan file.
Intended Audience: new loan officers, processors and other mortgage operations professionals. (Established professionals may also find this course a good refresher.)
▶ Watch Full Recording
There are currently no live class times available.Variable Income Analysis
Income
60-Minute Session
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 Essent facilitator, participants will practice calculating the eligible monthly qualifying income for four different variable income types.
▶ Watch Full Recording
Register Now