CMS for Loan Processors2021-05-11T19:38:15-04:00

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Certified Mortgage Specialist For Processors

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Single Payment

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$995.00

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OR

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$1075.00

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The payment plan is a $575.00.00 initial payment followed by 2 equal monthly payments of $250.00
Total cost = $1075.00

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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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Attention: Trainers and Branch managers

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Enhance your current processing training with our CMS program. Let us introduce your new staff into all the processing skills they’ll need to master.

Corporate trainers and branch manager can now be more effective in their training curriculums because their new processors will already understand about LTV’s, Ratio’s, Federal Regs, RESPA, TILA, Verification, Disclosures, Fees Worksheet, RESPA, TILA and Loan Estimate.

Client companies using our CMS programs report they now can invest more time in fine-tuning processor skills and procedures versus having to review all the basics skills first.

The best benefit has been the ease of training their new processors on their origination software. Their new processors are no longer intimidated by the numbers and box options because they already have an understanding of how the loan application works and the associated forms and disclosures that are required.

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About The Training

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Loan Processor CMS Curriculum:
40 Hrs. Approximate Training Cycle

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Duration: Kathy Lewis

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Instructor: 40 Hours / 6 months access

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Included: Printed Manuals and Case Studies And Online Manuals And Case Studies

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1st: How To Read Credit Reports

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2nd: Correctly Calculating The Borrowers Income

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3rd: Fundamentals Of Loan Processing (Conventional Loans)

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4th: Fees Worksheet & Loan Estimate

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5th: Understanding FHA Loans

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6th: Understanding VA Loans

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7th: Qualifying The Self-Employed Borrower(Conventional Loans)

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Break Down of each Course

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1st Lesson: How To Read & Understand Credit Report

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Credit reports are divided into five sections:

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  • Whose credit is being represented

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  • How they paytheir 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 that you have the knowledge and skills to do so. This training is going to give you the knowledge and the skills.


Loan Originators & Processors

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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2nd Lessosn: Correctly CalculatingYour Borrower’s Income

With Online Testing

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Kathy Lewis’s presentation is easy to follow and is synchronized to your
manual and case studies. When Kathy asks you to move to section5- page 25
in your manual; your PC screen will match your page in your manual.

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 whose 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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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-2’s -1099’s- and expenses

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

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  • When and how to average commissions

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  • When and how to deduct business expenses (New Updates are included)

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3rd Lesson: Fundamentals of Loan Processing(Conventional)

With Online Testing

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Preview Our Table of Contents

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Capstone Institute trained processors are better organized because they are taught a systematic way of problem-solving and how they’re going to address any problems which could arise in the future which could stop their loan from closing on time.

Capstone processors don’t have to rely on computer software to perform their jobs. Every processor who receives their certificate understands how to calculate every number and formula within a mortgage application, with only a basic financial calculator.

Our structured training prepares processors to perform their duties and responsibilities, quickly and with minimal management supervision.

Our training covers every job skill a new processor needs to understand. As a new conventional loan processor, your duties, skills and technical knowledge are held to a higher standard than a loan originator.

Why? Because it will be your responsibility to ensure that every statement of fact that the borrower has made on their mortgage application correctly reflects the borrower’s true identity, employment history, verifiable income, and all their assets and liabilities. As part of this training, you’ll be processing full loan files from start to finish.

Additionally, you’ll need to ensure your loan originators always stay in compliance with all state and federal lending laws, rules and guidelines or your loan will never be approved.

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4th Lesson: How To Complete The Fees WorkSheet & Loan Estimate

Fees Worksheet Manual Master

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Processors need to intimately understand the workings and all
the calculations involved with their Fees Worksheet & Loan Estimate.

We strongly advise that all new processors complete this training prior to them being introduced to any loan origination software.

Understanding how the calculations and bundling of fees work; enhances new processors initial learning time and teaches them how to find and make corrections as well as answering questions from loan originator and their borrowers.

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5th Lesson: Understanding FHA Loans

With Online Testing

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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 higher tuitions.

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, 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.

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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  • Sun Trust

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  • RESMAC

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6th Lesson: Understanding VA Loans

With Online Testing

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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

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  • 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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7th Lesson: Qualifying The Self Employed Borrower

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Printed 53 Page Case Study Tax forms And Schedule E

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 reviewing the various business entities through review of all IRS schedules, including:

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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 Partnerships K-1s

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  • Reviewing the 1040 Individual Tax Return

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Branch Managers &Trainers Consider This Possibility.

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Capstone is so confident on its quality training courses, that we offer this replacement guaranty.

on any of our programs. This replacement offer is limited to brokers or lenders who purchase any of our programs for one of their employees.

This offer is limited to one replacement training course per purchase, and is limited to the original course that was purchased.

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Why is Capstone’s Training Curriculum Superior?

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Capstone Institute initially started in 1986 by offering its training as live, in-classroom training in Atlanta Georgia.Companies from around the country would fly their staff to Atlanta for our one- and two-week curriculum.Later we were the first to offer live mortgage webinars to help reduce the traveling costs to our clients. Then the demand shifted to offering our programs on VHS tapes and then progressing to CDs and now to streaming videos.

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Now that the technology has completely shifted to streaming video, we still commanded our lead in mortgage training because of the quality of our training materials and our instructors.Even our competitors carefully refrain from criticizing the quality of our materials.

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What tops the benefit list of choosing Capstone is our 100% unconditional training guaranty. We’re the only mortgage training institute that allows companies or individuals to purchase our courses and then use them with the right to return them if they are not satisfied.

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The NMLS Pre-licensing Training Was Never Meant To Make YOU Competent

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Completing your NMLS pre-licensing training and documentation makes you employable to be hired as a loan originator.Its doesn’t make you competent!

The NMLS training was never meant to make anyone competent, only knowledgeable on mortgage basics, fraud, federal regulations and ethics.

It’s up to schools like Capstone Instituteand employers to get you to your first level of competency.
But not all mortgage companies have structuredtraining programs or professional trainers.

That’s why many originator job opportunitiesare seeking experienced loan originators with 2 or more years of experience.Many great branch managers are capable of training, they just don’t have the time to invest or risk in a new hire without previous experience.

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New NMLS Graduates
Help yourself to get better interviews and jobs

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If you’re having difficulty in getting interviews to start your career, you must understand the risk of time and money every employer has when hiring a new originator.  Most advertised job offers want experienced originators with 2 years’ experience.  It’s a logical request because many branch managers don’t have the time to offer the training, and then supervise the new hire and conduct all their weekly duties  at the same time.

 

By investing in yourself and purchasing this training, you enable the good branch managers to take the  risk and offer you an interview. 

 

Doctors and Lawyers go years to college to get their professional training at their own expense.

 

Plumbers, electricians, and general contractor spend years developing their skills at their own expense.

 

Loan originators are among the few who have the capability of earning extremely high annual incomes in excess of $100,000 without a college degree.

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FYI – Branch Managers”Hiring Experienced LO’s”

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We understand that your time is limited and you’d prefer hiring experienced originators because it’s easier on your time and lower risk. They’ve already proven themselves. Well, maybe.

Consider this though: There are sometimes inherent problems hiring “experience LO’s”.

Why are they moving to your shop and not staying where they are?
Is their experience current or was it before the crash?
Will they bring in bad habits and attitudes that could spread over into your office?

HINT :
We strongly recommend that you add our “Fees Worksheet & Loan Estimate” class to their training.

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Managers: We Just Gave You a
Full Week of Hot Having to Cover the Basics.

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We just took 1 week off your training schedule so you can immediately start them off learning your Loan Origination Software. The sooner they learn how to correctly input data, the faster they’ll get in the field.

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What happens after I pay for their training and either
they don’t report for their first day of work or they leave after a few week?

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Sometimes employers pick the wrong candidates or the candidate finds out that origination isn’t their cup of tea. If your new hire leaves for any reason within 60 days, you won’t lose your training investment.

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Solution!

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We’ll train your next hire at no charge.

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Note: If your past hire doesn’t return their materials we can replace them for $150.00

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Certificates of Completion can be Controlled by the Employer

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We recommend that employers call us before registering a new hire. This way your new hire’s
Certificate of Completion is sent to you.

Why allow a new recruit to use our mortgage trainingcertificate that you paid for to shop for another job!

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Attention New Originators Looking for Employment

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If you’re looking for a better way to get your first job interview, seriously consider taking this training and add it to your resume. A reason why employers are looking for originators with 2 or more years experience is due to the training time and expense they have at risk

Just because a loan originator has 2 or more years of experience doesn’t always mean they’re going to produce more loans than you as a rookie.

Show employers you’ve made the commitment by helping them lower their training risk factor and make them feel confident that you’re prepared to work hard and invest in yourself.

 

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