Conventional Loan Training For New Loan Originators2021-05-11T17:28:21-04:00

[ux_banner height=”307px” bg=”47″ bg_overlay=”rgba(35, 64, 143, 0.605)”]

[text_box width=”100″ width__sm=”100″ position_x=”50″ position_y=”50″]

[ux_text font_size=”1.5″ font_size__sm=”1″]

Conventional Loan Training

[/ux_text]
[ux_text font_size=”1″ font_size__sm=”0.75″]

For New Loan Originators

[/ux_text]

[/text_box]

[/ux_banner]
[section]

[gap]

[ux_text font_size=”2.2″ text_color=”rgb(35, 64, 143)” class=”courses_top_mid_text”]

Initial On Board Training For Brand New Originators
Conventional Loans

[/ux_text]
[gap]

[ux_text font_size=”1.6″ text_color=”rgb(0,0,0)” class=”product_para”]

(Over 20 hours of instruction with testing.
Self Paced -Online with printed certificates of completion)
Printed books and materials are included and shipped the next day to your location.

[/ux_text]
[gap]

[ux_text font_size=”2.2″ line_height=”1″ text_color=”rgb(0,0,0)” class=”courses_top_mid_text”]

4 courses + 1 Optional

[/ux_text]
[ux_text font_size=”1.9″ text_color=”rgb(36, 131, 211)” class=”courses_top_mid_text”]

$550.00

[/ux_text]
[row]

[col span=”4″ span__sm=”12″]

[/col]
[col span=”4″ span__sm=”12″ align=”center”]

[/col]
[col span=”4″ span__sm=”12″]

[/col]

[/row]
[ux_products orderby=”sales” show=”onsale”]

[/section]
[section]

[gap]

[ux_text font_size=”2.1″ text_color=”rgb(35, 64, 143)”]

Live Class Times

[/ux_text]
[ux_text font_size=”1.55″ text_color=”rgb(35, 64, 143)”]

FRIDAY

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)”]

Doors open at 8:15 AM and students are required to be seated in the classroom by 8:30 AM

[/ux_text]
[ux_text font_size=”1.55″ text_color=”rgb(35, 64, 143)”]

SATURDAY & SUNDAY

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”about_third_section_classes”]

Classes start at 9 AM.

[/ux_text]
[ux_text font_size=”1.55″ text_color=”rgb(35, 64, 143)”]

LOCATION

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”about_third_section_classes”]

Our location in the Atlanta Realtors Association Facility in Sandy Springs, GA

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”about_third_section_classes”]

For Questions Call 888-254-3431

[/ux_text]

[/section]
[gap]

[section bg_color=”rgb(40, 40, 40)”]

[gap]

[ux_text font_size=”2.2″ text_align=”center” text_color=”rgb(255,255,255)”]

Take a few minutes and watch our training in action

[/ux_text]
[gap]

[row h_align=”center”]

[col span=”10″ span__sm=”12″ class=”capstone_video_about”]

[ux_video url=”https://player.vimeo.com/video/280960305″ height=”50%”]

[/col]

[/row]
[gap]

[/section]
[section padding=”0px”]

[gap height=”62px”]

[ux_text font_size=”2.1″ line_height=”1.2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

About Capstone Institute of
Mortgage Finance Training

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(217, 176, 97)”]

1st: Credit Report

[/ux_text]

[/section]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Over initial training is laid out in a logical sequence. You can’t honestly qualify a borrower until you see their credit report. You just can’t look at their score and leave it at that unless your a big gambler.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(217, 176, 97)”]

2nd: Calculating Income

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Once you have their credit report;now you need to know how to correctly calculate the borrowers income. Borrowers unintentionallyseem to think they generate more income than they really can use. This course teaches you conventional Fannie Maerules and guidelines so you know how much house they can really qualify for.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(217, 176, 97)”]

3rd: Principle of Mortgage Finance

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Now your ready to learn how to take a detailed loan application the correct way including the current
Fannie Mae rules and guidelines and stay in compliance with federal regulations.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(35, 64, 143)” class=”product_para”]

This is really –IMPORTANT !

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(217, 176, 97)”]

4th: Fees worksheet & Loan Estimate

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Now you have their credit report. You’ve correctly calculated their true income and from that you’ve counseled them on the best loan programs that meet their needs.

But now you have to show them your proposed Loan Estimate.

[/ux_text]
[gap]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

So you rely on your trusty computer’sloan origination software to generateyour fees worksheet and then convert over into your loan estimate which you give to your borrower to accept and sign of with.

[/ux_text]
[gap height=”62px”]

[gap height=”62px”]

[section bg_color=”rgb(35, 64, 143)” padding=”0px”]

[gap height=”47px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(217, 176, 97)”]

Instructed by Kathy Lewis

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(255,255,255)”]

Master Mortgage Trainer Since 1986

[/ux_text]
[gap height=”33px”]

[row v_align=”middle” h_align=”center”]

[col span__sm=”12″ align=”center”]

[ux_image id=”1285″ width=”14″]

[/col]

[/row]

[/section]
[section]

[gap height=”50px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

Sound easy ugh!

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

But what if your borrowerwants youexplain to them in detail why some of their fees are so high and why they need this much money to close and this much money left in their banking account after their loan is closes.

[/ux_text]
[gap]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

This course in detail explains how every box in the fees worksheet is calculated andthe bundled
over into your final loan estimate.Many a loan has been delayed or lost because the loan originator
couldn’t explain sufficiently how their fees were calculated .

[/ux_text]
[gap]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Don’t ever completely trust any mortgage software unless you know how all yourfees are calculated and can explain them to your borrower using a $2.00 calculator.Why?

[/ux_text]
[gap]

[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Your borrowercould be in front of you and following along with you using their own $2.00 calculator.

[/ux_text]
[gap height=”54px”]

[/section]
[ux_banner height=”157px” height__sm=”100%” bg=”66″ bg_overlay=”rgba(36, 131, 211, 0.87)” parallax=”10″]

[text_box width=”84″ width__sm=”89″ position_x=”50″ position_y=”50″]

[ux_text font_size=”1.4″ font_size__sm=”1″ text_align=”center”]

Our training curriculums are proveneffective because Bankers, Lenders Brokers and government agenciescontinue to purchase them and done so for over 35 years.

[/ux_text]

[/text_box]

[/ux_banner]
[section]

[gap height=”50px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

Break Down of each Course

[/ux_text]
[gap height=”75px”]

[row style=”collapse” v_align=”middle”]

[col span=”6″ span__sm=”12″ align=”center”]

[ux_image id=”1295″ width=”41″]

[/col]
[col span=”6″ span__sm=”12″ padding=”5% 5% 5% 5%” max_width=”520px”]

[ux_text font_size=”1.4″ line_height=”1″ text_align=”center” text_color=”rgb(217, 176, 97)”]

1st: Understanding & Reading Credit Reports

2.0 Hours Instruction / No Testing / Printed TrainingManual Included

[/ux_text]

[/col]

[/row]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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 line and understand how to interpret the information correctly to benefit their borrowers.

[/ux_text]
[gap height=”75px”]

[row style=”collapse” v_align=”middle”]

[col span=”6″ span__sm=”12″ align=”center”]

[ux_image id=”1301″ width=”41″]

[/col]
[col span=”6″ span__sm=”12″ padding=”5% 5% 5% 5%” max_width=”520px”]

[ux_text font_size=”1.4″ line_height=”1″ text_align=”center” text_color=”rgb(217, 176, 97)”]

2nd: Correctly CalculatingYour Borrower’s Income

2Hours Instruction / With Testing

[/ux_text]

[/col]

[/row]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”75px”]

[row style=”collapse” v_align=”middle”]

[col span=”6″ span__sm=”12″ align=”center”]

[ux_image id=”1302″ width=”41″]

[/col]
[col span=”6″ span__sm=”12″ padding=”5% 5% 5% 5%” max_width=”520px”]

[ux_text font_size=”1.4″ line_height=”1″ text_align=”center” text_color=”rgb(217, 176, 97)”]

3rd: Principles of Mortgage Finance

8 Hours / With online Testing

[/ux_text]
[ux_text text_align=”center” text_color=”rgb(35, 64, 143)”]

Preview Our Table of Contents

[/ux_text]

[/col]

[/row]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

Section 2 through 4 are designed as reference sources
Our video training starts off with section 5 and continues to sections 6 -7- 8.

Now that the originator understands credit reports and calculating income, we can start training them on how to take a detailed loan application and the procedures and guidelines they should follow to insure their loans close on time.

[/ux_text]
[gap height=”75px”]

[row style=”collapse” v_align=”middle”]

[col span=”6″ span__sm=”12″ align=”center”]

[ux_image id=”1308″ width=”41″]

[/col]
[col span=”6″ span__sm=”12″ padding=”5% 5% 5% 5%” max_width=”520px”]

[ux_text font_size=”1.4″ line_height=”1″ text_align=”center” text_color=”rgb(217, 176, 97)”]

4th: Fees Worksheet & Loan Estimate

5 1/2 Hour / With online testing

[/ux_text]

[/col]

[/row]
[gap height=”75px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

Branch Managers &Trainers Consider This Possibility.

[/ux_text]
[row]

[col span__sm=”12″ align=”center”]

[ux_image id=”1309″ width=”19″]

[/col]

[/row]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

Why is Capstone’s TrainingCurriculum Superior?

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

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

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

New NMLS Graduates
Help yourself to get better interviews and jobs

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”55px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

FYI – Branch Managers”Hiring Experienced LO’s”

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

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

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”2″ text_align=”center” text_color=”rgb(35, 64, 143)”]

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?

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

[/ux_text]
[gap height=”54px”]

[/section]
[section bg_color=”rgb(35, 64, 143)”]

[gap height=”38px”]

[ux_text font_size=”2.1″ line_height=”0.75″ text_align=”center” text_color=”rgb(255,255,255)”]

Solution!

[/ux_text]
[ux_text font_size=”2″ text_align=”center” text_color=”rgb(217, 176, 97)”]

We’ll train your next hire at no charge.

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(255,255,255)”]

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

[/ux_text]
[gap height=”25px”]

[/section]
[section]

[gap height=”62px”]

[ux_text font_size=”2.1″ line_height=”0.75″ text_align=”center” text_color=”rgb(35, 64, 143)”]

Certificates of Completion can be Controlled by the Employer

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para about_third_section_classes”]

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!

[/ux_text]
[gap height=”62px”]

[ux_text font_size=”2.1″ line_height=”0.75″ text_align=”center” text_color=”rgb(35, 64, 143)”]

Attention New Originators Looking for Employment

[/ux_text]
[ux_text font_size=”1.4″ text_align=”center” text_color=”rgb(0,0,0)” class=”product_para”]

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.

 

[/ux_text]

[/section]
[row]

[col span__sm=”12″ align=”center”]

[/col]

[/row]
[gap height=”40px”]