Essentials Live! Recordings
Get Answers to the Most Common Loan Challenges.
Income, Asset, Appraisal Challenges and More...
Each 30-minute session focuses on a different loan scenario, including real-life loan challenges we receive from you. Can’t attend one of our LIVE sessions? No problem. We record them so you can get the answers you need when it works for you.
Access the full library of on-demand sessions below.
2024 End of Year Review Game!
December 9, 2024
Wrap up the year with a fun end-of-year review game! Test your knowledge of Fannie and Freddie guidelines and highlights from our most popular Essentials Live topics of 2024.
Analyzing Income on 2- to 4-Unit Primary Residences!
Rental Income
November 4, 2024
Master rental income analysis to properly calculate income on a 2– to 4–unit owner occupied property.
Are Distributions Higher than Ordinary Income?
Self-Employed Borrower
January 8, 2024
How can a borrower withdraw more than they have earned? What if they are showing a loss? Learn when this is acceptable and when it could be a red flag.
Boosting Borrower Approval – Leveraging Hourly Pay Rate Increases
Income
September 9, 2024
Understanding how hourly pay rate increases can help your borrower get into their dream home. This follows FHLMC’s 8 step process.
Collateral Assessment Risk Score Less Than 2.5? Streamline Your Appraisal Review!
Appraisals
February 25, 2024
What are you responsible for when FNMA Collateral Underwriter® (CU®) and FHLMC Loan Collateral Advisor® (LCA) provide representations and warranties with a score less than 2.5. Sometimes less can be more.
Don't be Fooled! Let's Talk Fraud Misrep.
Fraud
April 8, 2024
Learn important strategies and tactics to combat occupancy and seller impersonation fraud prevalent today.
Don't Get Spooked by Short Term Rentals
Rental Income
March 25, 2024
Learn how to review short-term rental income guidelines, when you can use it as income and how to document it.
Don’t be Fooled! Let’s Talk Fraud Misrep. Part 3 – Paystubs & Employment
Fraud
August 12, 2024
Ready to outsmart paystub and employment fraud? Learn key strategies and tactics to prevent mortgage fraud.
Don’t be Fooled! Let’s Talk Fraud Misrep. Part 4 – Occupancy and Asset Fraud
Fraud
October 28, 2024
Learn how to tackle fraudulent occupancy and asset strategies and techniques to safeguard financial integrity when reviewing origination files.
Don’t be Fooled! Let’s Talk Fraud Misrep. Part 2 – W-2s & Tax Returns
Fraud
June 10, 2024
Discover strategies to combat W-2 and income tax return fraud head-on. Learn defenses against today’s prevalent scams to stay ahead of the game.
Is Your Borrower New to Working in the U.S.?
Income
July 8, 2024
Discover what income counts and how to qualify your borrower for their new home.
Matters of Appraisals
Appraisals
May 13, 2024
From manufactured housing to home flipping, learn why appraisal comments matter!
Navigating Employment Obstacles
Income
March 11, 2024
Whether your self-employed borrower is moving to a new state, had a substantial income change, or any other challenging variable income scenario, this is the session for you!
New GSE Documentation Requirements for Rental Properties
Rental Income
August 23, 2024
Review GSE requirements regarding documenting rental income, including leases, security deposits, appraiser's opinion of market rent and more!
Qualifying a Farmer
Self-Employed Borrower
February 12, 2024
Learn how to accurately qualify a farmer with key line items on Schedule F. Review co-mingled personal and business assets, non-taxable cooperative distributions and commodity credit corporation loans, other income and more.
The ABCs of RSUs
Income
Updated August 5, 2024
Learn the ins and outs of Restricted Stock Units (RSUs) and when they can be used as qualifying income.
When a Negative Becomes a Positive
Income
February 10, 2025
Learn how to qualify borrowers even with recent tax return losses. Join us to master business return analysis!