Courses & Registration

1065/K-1 Partnership Analysis – Self-Employed Borrower

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.

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1120 Corporation Analysis – Self-Employed Borrower

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.

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1120S/K-1 S-Corporation Analysis – Self-Employed Borrower

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.

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Advanced Variable 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

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Analyzing Income on 2– to 4–Unit Primary Residences!

Master rental income analysis to properly calculate income on a 2– to 4–unit owner occupied property.

FAQs on Assets (Micro Session)

20-Minute Micro Session
Review 8 FAQs about assets and get the answers!

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Focus on Assets: Acceptable Documentation and Eligible Sources

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.

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GSE Documentation Requirements for Rental Properties

Review GSE requirements regarding documenting rental income, including leases, security deposits, appraiser's opinion of market rent and more!

K-1 Comparison – The Differences Between FNMA and FHLMC (Micro Session)

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.

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K-1 Series: Are Distributions Higher than Ordinary Income?

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.

K-1 Series: How to Establish Liquidity When the Schedule L is Blank

Discover the different types of documentation that can be used to determine liquidity.

Paystubs – Frequency & Formulas (Micro Session)

20-Minute Micro Session
Practice determining frequency of pay and how to accurately qualify your salaried borrowers.

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Quick Tips for Bonus/Overtime (Micro Session)

20-Minute Micro Session
Practice calculating variable income analysis using two commonly encountered types of income.

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Rental Income – Schedule "E" Made Easy (Micro Session)

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.

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Rental Income – Schedule "E"asy

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.

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Salaried Income Analysis

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.

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Schedule C – Only the Schedule C

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.

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Schedule C – Why Line Items Matter (Micro Session)

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.

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Understanding Business Liquidity (Micro Session)

20-Minute Micro Session
Learn the 3 big benefits of proving liquidity in your self-employed borrowers’ businesses.

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Variable Income Analysis

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.

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