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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Loan Product Advisor® – The Freddie Edge℠

Originations

This course is an introduction of automated underwriting systems and Loan Product Advisor®. Participants will learn how to leverage Freddie Edge℠ through the examination of samples cases. This interactive, hands on approach will give participants practice with validation messages including ACE and AIM.

Intended Audience: Mortgage professionals seeking knowledge of automated underwriting systems and the Loan Product Advisor® Feedback which include validation services to efficiently document the loan file according to the applicable requirements.


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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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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

Description: 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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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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Desktop Underwriter®: Messaging Made Easy

Originations

This course teaches participants how to validate DU® loans with findings containing Day 1 Certainty® components.  We will explore different examples with messaging for Appraisal Waiver, Certainty on Appraised Value and DU® Validation Services.

Intended Audience: Mortgage Professionals seeking knowledge about Day 1 Certainty Messaging. 


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Focus on Assets

Assets

This module will review eligible sources of funds for down payment, closing costs and reserves (if applicable) in 60 minutes. This course is designed for the participant to gain an understanding of eligible and ineligible sources of funds, minimum borrower contributions, reserve requirements, acceptable documentation for assets and understand Interested Party Contributions (IPC’s).

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.


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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.


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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 2018 Tax Returns

Income

In December 2017, the Tax Cut and Jobs Act (TCJA) was signed into law. In this 45 minute, informative presentation, you will learn how the TCJA affects your borrowers. We will address three key questions: How are the 2018 tax returns different from previous years? Will completing a cash-flow analysis change? What are the other implications to borrowers, specifically those that are self-employed? In less than an hour, we can help you to make sense of your borrowers' 2018 tax returns. 

Intended Audience:  Mortgage professionals who want to understand the impact of the TCJA on tax returns, income qualification 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.


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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.


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Encompass® with Essent Rate Quote

Live Demonstrations

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


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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.


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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.


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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.


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Organizing & Planning a More Effective Day & 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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Prioritizing & 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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