Courses & Registration

1065/K-1 Partnership Analysis (with Schedule F) – Self-Employed Borrower

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.

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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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ARM Refresher

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.

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DU Live! Advanced (Micro Session)

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.

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DU Live! How to Read AUS Findings Like a PRO

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.

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FAQs on Assets (Micro Session)

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

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Faster Closings

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.

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Focus More. Achieve More.

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.

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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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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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LPA Live! Advanced

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.

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LPA Live! How to Read AUS Findings Like a PRO

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

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Mortgage Fraud Schemes & Red Flags

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.

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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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Rates Are Up – Time To Buydown?

Join us as we demonstrate types, break-even points and more. It's as easy as 3,2,1!

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Ratios and Mortgages

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.)

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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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The Nuts & Bolts of Rental Income: Solving & Simplifying the When & How

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

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Valid and Validation

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.)

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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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