Ethics?...in Mortgage Lending?:
3 Oregon continuing education units (#C-010407-195) and accredited WA continuing education

An ethic is a moral precept or rule of conduct. And, “moral” is defined as: of, or concerned with the principles of right and wrong. So we can say that ethics is a body of principles or values concerned with right and wrong conduct. Obviously, the word “ethics” covers a lot of ground. In this course, students will be asked to evaluate their own code of ethics as it pertains to their business. Maintaining the ethics of your profession will undoubtedly involve some immediate sacrifices along the way but, in years to come, you will truly be a credible professional, reliable in your actions, predictable in your behavior and your reputation will precede you. We all have a mental image of those professionals around us, good, bad or indifferent. Have you ever stopped to evaluate the image you’re projecting on those around you?

FTC/FCC Changes Affecting your Business:
3 Oregon continuing education units (#C-091103-114) and accredited WA continuing education

This course covers two of the major issues currently being enforced by the FTC and FCC. The first issue to be discussed is the new Do-Not-Call list. The list became active on October 1, 2003. This course gives the students the information needed to maintain compliance with this new law. Without this course, loan originators run the risk of violating the privacy rights of consumers. The second portion of this course covers the Graham-Leach-Bliley Act, specifically relating to the Safeguards Rule. The Safeguarding rule has been enforceable since May 23, 2003. It requires each company to maintain a policy for protecting a consumer’s information. This means locking file cabinets, locking doors, designating access to customer files, and much more.

Market & Industry Updates:
3 Oregon continuing education units (#C-120706-194) and accredited WA continuing education

Get up to date facts, figures, statistics and trends occurring in your region. Ken will summarize what’s really happening in the mortgage industry and share with you his knowledge, research, and industry input from professionals on State and Federal levels.

Mortgage Fraud:
3 Oregon continuing education units (#C-120105-146) and accredited WA continuing education

This class teaches students how to spot fraud, how prevalent it is in the industry, and what their responsibility is as a loan originator in dealing with potentially fraudulent situations.

The Fair Lending Experience:
3 Oregon continuing education units (#C-031104-119) and accredited WA continuing education

Some forms of discrimination are so subtle that a loan originator may not even realize that he or she is discriminating. This class has been created to give the students a better understanding of discrimination. Through a class exercise, students will get to see how easy it is to treat others differently and how it feels to be the victim of discrimination. Once they have this understanding, the class moves on to explain three federal laws that regulate lending discrimination. Finally, the students will be left with a challenge to take their responsibility seriously, including collecting accurate data for HMDA, paying closer attention to their own actions, and avoiding discriminatory practices. Approved in Oregon only

Identity Theft; The Facts and the Law:
2 Oregon continuing education units (#C-012705-127)

It seems that identity theft is growing faster than anybody could have predicted. More and more criminals are collecting, selling, and using private information to make enormous amounts of money. Occasionally, they are arrested, only to be released due to jail overcrowding problems. This opens the door to even more people entering the theft business and inventing more creative ways to steal identities. "Identity Theft – The Facts and the Law" will introduce you to: - Three of the largest forms of identity theft happening today - Ways you can protect yourself from becoming a victim - The laws that regulate financial institutions and how they handle private information

FACTA Basics :
1 Oregon continuing education units (#C-110305-145)

This class gives students an overview of the FACTA amendments to the Fair Credit Reporting Act.

Fair Credit Reporting Act: 3 Oregon continuing education units (#C-100605-144)

This class gives students an understanding of the history behind credit reporting, the current application of the laws, and the possible future of the law based on current legislation.  

Full Disclosure:
2 Oregon continuing education units (C-050304-209)

This class was created to ensure a loan officer is including the right disclosure forms in their borrower paperwork, and more importantly, understanding what each form is for and how to properly explain them to the average consumer - important for both the broker and the borrower.

Industry Outline:
2 Oregon continuing education units (#C-070705-142)

This course breaks down the mortgage industry into pieces. From the inner-workings of a lender to an overview of the secondary market, this class will help students understand how the system is set up and how to best work within that system.

Mortgage Foundations 1:
6 Oregon continuing education units (#C-101204-122)

This class is designed to give students the foundational knowledge that most people miss when they enter the mortgage industry. It is a beginning/intermediate course that covers an outline of the mortgage industry, how brokers become bankers, how FNMA and FHLMC were created, how to read DU and LP approval codes, understanding Alt-A and Sub-Prime lending, and much more.

Mortgage Foundations 2:
7 Oregon continuing education units (#C-101204-123)

This class is also designed to give students the foundational knowledge that most people miss when they enter the mortgage industry. It is a beginning/intermediate course that teaches students how to analyze credit reports, understand the various types of income documentation available, and understand adjustable rate mortgages. Students will analyze each of the major indices, and determine where they typically hover, in order to best advise their clients.

Truth in Lending Act:
2 Oregon continuing education units (#C-010506-148)

This course covers four major topics: Advertising, Disclosures, High Cost Loans, and APR. Students get a better understanding of the amazing world of enforcement surrounding the misleading of potential and existing clients.

Understanding RESPA through Enforcement:
2 Oregon continuing education units (#C-012705-126)

What is it? Why is it here? Which sections should you pay close attention to? This class is becoming more and more important for a loan originator to take. The Department of Housing and Urban Development (HUD) has tripled their enforcement team to uncover violations throughout the US. Are you doing something that is in violation? Find out in this class.

Products & Pricing:
2 Oregon continuing education units (#C-070705-143)

This class helps students understand the backbone of the adjustable rate mortgage loan. Students analyze the major indices on which ARM's move.