CMS Certifed Mortgage Specialist – Loan Originators2021-05-11T19:15:27-04:00

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Certified Mortgage Specialist For Originators

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The CMS mortgage training curriculum covers the skills
required to give new Originators “Mortgage Competency.

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$995.00

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Single payment

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OR

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$1,045.00

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Payment Plan Description

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The payment plan is a $545.00 initial payment followed by 2 equal monthly payments of $250.
Total cost = $1,045.00

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Your manuals and case studies will arrive by FEDEX in 3 to 5 business days. You will receive
email tracking information from FEDEX

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After completing this training cirriculum and testing; the new loan originator has the confidence to continue improving  their knowledge of  mortage loan products, marketing, handling their borrowers questions, objections and closing their own  loan applications with a minimum of supervision.

Branch managers welcome seeing new applicants who have invested in their own training besides the basic NMLS pre-licensing course.

Please understand the 20 hour pre-licensing  training was never meant to prepair a loan originator to actually go into the field and perform and earn an income. 

Individuals completing this training should definitely include it on their resumes to improve their chances of getting that first most important first interview request.

Branch managers have a limited amount of time to invest in training a new candidates, so make it easier for them to when they see a new resume or application showing the the new person  already invest their time and funds

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Our replacement training guaranty for employers only

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After purchasing this training, if your new hire never reports for their first day of work or leaves the company for any reason within 60 days after being hired. Capstone will train your next hire at no cost, including new books and materials.

To assist independent brokers and branch managers in their training cycles, we recommend that new originators complete this training as a condition of being hired or within the first week of reporting for work.  This dramatically improves and shortens training cycles for new originators, because they’ve now been trained and tested for their core job skills.

Training managers can now concentrate  on seeing where their new staffs are strong and weak, and then adjust their company training program accordingly.  With our program new MLOs adjust faster  and retain their initial training better because they’ve already been instructed on their core skills and typically only need reviews and practice sessions from their managers.

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Loan Originator CMS Curriculum:
42 Hour Training Cycle

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The courses are shown in their sequenced order

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  • How To Read Credit Reports

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  • Correctly Calculating The Borrower’s Income

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  • Principles of Mortgage Finance (Complete Conventional Loan Origination  Training )

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  • Fees Worksheet & Loan Estimate

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  • Understanding FHA Loans

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  • Qualifying The Self-Employed Borrower

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  • Advanced Sales & Marketing

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Lesson #1   How To Read Credit Reports

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Duration: About 2 hours

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Includes:  Printed manual with credit file examples and explanations
Support:  Call or email for direct support on any question

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View a sample of the first course in our CMS program

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Most credit reports are divided into five sections:

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  • Whose credit is being represented

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  • How they pay  their bills

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  • Rollovers

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  • Public records

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  • Inquiries

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When reading and interpreting someone’s credit report, it’s important to have the knowledge and skills to do so. This training is going to give you the knowledge and the skills.

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Loan Originators & Processors

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After taking a correct mortgage loan application (1003), the first thing the loan originator and/or processor need to do is to compare it against the person’s credit report. Checking names, residences, opened accounts, tradelines, credit limits, available credit, closed accounts, collections, charge-offs and other information vital to the outcome of the loan’s approval or denial.  Sometimes there are errors in a report.

The challenge is to read it carefully every time and understand how to interpret the information correctly.

Reading a credit report for the first time is very intimidating.  Lots of pages with data, tables, codes, contact information, addresses, payoffs …the list goes on.

Your instructor Kathy Lewis is going to take all the mystery and confusion away.   After completing this course, you’ll have the knowledge and confidence needed to read any credit report accurately.

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Lesson #2   Correctly Calculating The Borrower’s Income

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Duration: About 3 hours with testing

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Includes:  Printed manual with credit file examples and explanations
Support:  Call or email for direct support on any question

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Kathy Lewis’s presentation is easy to follow and is synchronized to your manual with case studies.

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Believe it or not:

One of the top reasons loans are returned or denied by lenders is the improper calculation of the borrower’s income. Regardless of who’s mortgage software you’re using, your software can’t look at the borrower’s income documentation and apply underwriting rules on what’s acceptable and what’s not. Only competent originators and processors can review the borrower’s income and decide if it’s acceptable or not.

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Adding up W-2s is easy – BUT!

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How do you correctly calculate weekly, bi-monthly, overtime, commissions and bonuses, especially if they’re showing declining values?

Overview of what’s covered:

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  • 20% Declining Income Rules: When you need to use them

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  • The allowable differences in combining W-2s vs. 1099’s

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  • When and how to average different incomes over past years and months

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  • When and how to average commissions, overtime, bonuses

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Lesson #3   Principles of Mortgage Finance / All Types of Conventional Loans

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Duration: About 8 hours with testing

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Includes:  Printed manual with credit file examples and explanations
Support:  Call or email for direct support on any question

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Before you talk to any borrower you’ll need to master  these lessons.

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Open Your Manual’s Table of  Contents Here

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Now that you understand credit and income, you’re ready to learn the important mortgage math and documentation every MLO must know and understand. As a loan originator, you should know how to calculate every computation on the Loan Estimate and Fees Worksheet without the assistance of any mortgage software.

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Including:

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  • Explanation of Mortgage Programs

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  • Federal Regulations and Compliance Overview

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  • Calculating PITI By Hand

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  • Reviewing the Credit Report

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  • Qualifying Ratios

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  • Reading Rates Sheets

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  • Explanation of Prepaid Finance Charges (PFCs)

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  • Preparing a Fees Worksheet

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  • Preparing Loan Estimate

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  • Prepaid Escrow & Taxes

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  • Taking a Detailed Loan Application

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  • Acceptable Income and Assets

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  • Required Documentation

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  • Refinance Transactions

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Lesson #4   Fees Worksheet & Loan Estimate

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Duration: About 4 hours with testing

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Includes:  Printed manual with credit file examples and explanations
Support:  Call or email for direct support on any question

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Kathy Lewis takes the mystery out of how the Fees Worksheet and Loan Estimate form work

We covered briefly the Fees Worksheet and Loan Estimate in the preceding class.

Now we’re going to take some extra time and really drill into every line item on both of these forms.  Many loans have been lost because the loan originator didn’t understand fees and how to determine interest rates, and when questioned by their borrowers they couldn’t show how their offer was better compared to their competitors.

If your borrowers share with you your competitor’s offer, you’ll need to know how to show them your offer is really better or how to restructure your offer so it is the best deal.

With Capstone’s training mythology you’ll be able to calculate any part of the Fees Worksheet and new Loan Estimate Form in seconds using your own calculator.  That’s the great thing about Capstone’s training, we teach you how to calculate everything using your own calculator. This means learning any mortgage software is going to be easy because you already know how the numbers work and where they go.

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Lesson #5  Understanding FHA Loans / Origination & Processing

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Duration: About 8 hours with testing

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Includes:  Printed manual with credit file examples and explanations
Support:  Call or email for direct support on any question

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There’s no such thing in the real world as FHA 101 or beginner FHA or basic or advanced FHA. You either know the FHA rules, guidelines, policies and procedures or you don’t. Capstone Institute and Kathy Lewis have been instructing FHA loan originators and processors since 1986. We don’t teach theory or divide FHA loans into modules like FHA Part 1 and FHA Part 2 to charge a higher tuition.

Nor do we cut our training time and content into separate training for originators and another for processors because we believe everyone needs to understand the complete process from origination to closing.

No shortcuts with our training. Your online video program is synchronized to your FHA manual, handouts and case studies and covers everything you or your department needs to master to properly counsel your borrowers and to close your FHA loans on time.

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View some of our honored clients:

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US Department of HUD:

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  • Philadelphia Homeownership Center

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  • Atlanta Homeownership Center

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  • Denver Homeownership Center

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  • Santa Anna Home Ownership Center

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  • National & Regional Lenders

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  • Freedom Mortgage

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  • Union Pacific

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  • Flagstar

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  • Renasant Bank

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  • Bank of America

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  • Chase

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  • Citibank

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  • Wells Fargo

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  • Regions Bank

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  • Fifth Third Bancorp

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  • Space Coast Credit Union

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  • SunTrust

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  • RESMAC

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Lesson #6  Understanding VA Loans / Origination & Processing

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Duration: About 6 hours with testing

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Includes:  Printed manual with credit file examples and explanations
Support:  Call or email for direct support on any question

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View our VA Technical Training Manual

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Our Veterans have served our nation in the highest traditions and they deserve the best information available to them regarding their home purchasing rights and benefits under the GI Bill. The VA acts as the guarantor on the loan, protecting the lender in case of a default just like FHA does for civilians.

Kathy Lewis your instructor makes learning the rules and complexity of VA documentation and guidelines easy, and we strongly advise both originators and processors participate in this training.

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Some of the areas covered:

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  • VA Programs & Guidelines

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  • Determining the Veteran’s Eligibility

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  • VA Allowable & Non-Allowable Fees – How to Complete the Fees Worksheet

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  • Qualifying the Borrower & Determining Residual Income

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  • Preparing All VA Forms

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  • VA Purchase

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  • VA Refinance

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  • VA Streamlines Guidelines

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Lesson #7  Qualifying The Self-Employed Borrower

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Duration: About 3 hours with testing

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Includes:  Printed tax returns with examples and explanations
Support:  Call or email for direct support on any question

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An important part of originating and processing loans is understanding how to properly qualify self-employed borrowers.

The trick is to understand and analyze tax returns without becoming an accountant, and you don’t need to take an accounting course to be confident about qualifying the self-employed borrower.

Capstone’s training is always there for you. Your instructor Kathy Lewis gets right to the point of what you need to know and how to calculate your borrower’s real qualifying income.

This course provides hands-on training covering a review of the various business entities as well as a review of all IRS schedules, including:

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Areas covered:

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  • Sole Proprietor Income Tax Return

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  • “C” Corporation Income Tax Return

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  • “S” Corporation Income Tax Return

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  • “LLC” Tax Return

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  • Schedule “E” Real Estate Owned plus All Other Tax Return Schedules

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  • Reviewing Partnership’s K-1

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  • Reviewing the 1040 Individual Tax Return

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Lesson #8  Sales & Marketing Strategies For Loan Originator

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Duration: About 8 hours with testing

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Includes:  Printed manual
Support:  Call or email for direct support on any question

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All good Loan Originators need to understand how to start their own lead generation pipeline and not to rely on expensive and sometimes fraudulent lead providers. If the leads were so good why aren’t they originating and making the commissions?

Well, look no further because Kathy Lewis has a 4 part lecture series to help motivate and start your career off on the right path.

Pick a marketing series to listen to every week because every time you listen, you’ll come away with new ideas on how to generate more loan applications than your competitors.

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The lectures series is divided into 4 parts:

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  • How To Get For Sale By Owner Business

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  • How To Get Business From The General Public

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  • How To Get Builder Business

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  • How To Get Realtor Business

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This lecture series is offered as an individual program and the details with individual pricing can be seen on our Home Page

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