080322-13 Educating the Client

080322-13_Educating_the_ClientLoan Programs, Lender Types, Origination Fees, Prepayment Penalties

Rating:    User: LoanOfficer   2008-03-23T11:03:44.227Z

Tags: Loan | Programs | Lender | Types | Origination | Fees | Prepayment | Penalties |

080322-12 YSPs and Rebates

080322-12_YSPs_and_RebatesYSP, Yield Spread Premium, Rebates, kickbacks, gross payout commission

Rating:    User: LoanOfficer   2008-03-23T10:44:36.767Z

Tags: YSP | Yield | Spread | Premium | Rebates | kickbacks | gross | payout | commission |

080322-11 Interest & Profit Margin

080322-11_Interest_&_Profit_MarginCompetive Interest, Yield, Profit Margin, Indexed Rate

Rating:    User: LoanOfficer   2008-03-23T10:22:09.49Z

Tags: Competive | Interest | Profit | Margin | Indexed | Rate |

080322-10 Financing Ratios

080322-10_Financing_Ratios80/20, Mortgage insurance, financing ratios, refinancing

Rating:    User: LoanOfficer   2008-03-23T10:04:07.237Z

Tags: 80/20 | Mortgage | insurance | financing | ratios | refinancing |

080322-9 Client Income Sources

080322-9_Client_Income_SourcesAnnuities, stocks, bonds, tax returns, 1099, W2, LTV, CLTV, combined Loan to Value

Rating:    User: LoanOfficer   2008-03-23T09:38:35.567Z

Tags: Annuities | stocks | bonds | tax | returns | 1099 | W2 | LTV | CLTV | combined | to | Value |

080322-8 Debt to Income Ratio

080322-8_Debt_to_Income_RatioDebt to Income Ratio, DTI, LTV, Loan to Value, Housing Ratio, Fannie Mae

Rating:    User: LoanOfficer   2008-03-23T09:15:12.43Z

Tags: Debt | Income | Ratio | DTI | Housing | Ratio | Fannie | Mae |

080322-7 How to Read The Credit Report

080322-7_How_to_Read_The_Credit_ReportReading Credit Reports, Client Character, Late payments

Rating:    User: LoanOfficer   2008-03-23T09:01:51.21Z

Tags: Reading | Credit | Reports | Client | Character | Late | payments |

080322-6 Credit Score Reissue & Marginal Clients

080322-6_Credit_Score_Reissue_&_Marginal_ClientsCredit reports, lenders, credit inquiry, credit score, reissue, Score drops

Rating:    User: LoanOfficer   2008-03-23T08:48:18.93Z

Tags: reports | lenders | credit | inquiry | credit | score | reissue | Score | drops |

080322-5 More on Credit Scores

080322-5_More_on_Credit_ScoresCredit Reports, Bimerge, Trimerge, FICO scores, credit checks

Rating:    User: LoanOfficer   2008-03-23T08:30:39.893Z

Tags: Bimerge | Trimerge | FICO | scores | checks |

080322-4 No Doc, FICO Scores, and Credit Reports

080322-4_No_Doc,_FICO_Scores,_and_Credit_ReportsNo Doc, Business Owners, FICO, LTV, Credit Report

Rating:    User: LoanOfficer   2008-03-23T08:04:25.363Z

Tags: No | Doc | Business | Owners |

080322-3 Client Income

080322-3_Client_IncomeMonthly Income, 401K, Investments, Annuities, Life Insurance, TSPs, Thrift Savings Plan, Full Doc, SIVA, SISA, No Doc, Full Doc, Document Types

Rating:    User: LoanOfficer   2008-03-23T07:39:42.15Z

Tags: Monthly | 401K | Investments | Life | Insurance | TSPs | Thrift | Savings | Plan | Full | SIVA | SISA | Full | Document |

080322-2 Files & Stacking Order

080322-2_Files_&_Stacking_OrderFile submission for processing

Rating:    User: LoanOfficer   2008-03-23T05:07:01.83Z

Tags: Supporting | Documents | conversation | tracking | loan | origination |

080322-1 Second Training Session - Intro Remarks

080322-1_Second_Training_Session_-_Intro_RemarksPete gives a little intro.

Rating:    User: LoanOfficer   2008-03-23T04:47:30.2Z

Tags: Pete | intro |

080315-6 Property Appraisal

080315-6_Property_AppraisalPart 6 of 6. Training Session held on March 16th. Property Appraisal, Real Pro Service, Fred Lemus, Appraiser, Evelyn Pata, Multiple Party on Title,

Rating:    User: LoanOfficer   2008-03-18T12:01:12.567Z

Tags: Property | Appraisal | Real | Service | Fred | Lemus | Appraiser | Evelyn | Pata | Multiple | Party | Title | |

080315-5 Good Faith Estimate / Verification of Employment

080315-5_Good_Faith_Estimate__Verification_of_EmploymentPart 5 of March 15's training session. Good Faith Estimate, GFE, Fees, loan origination fee, Beating, competitors, quoting, zero points, hidden broker fees, discount fees, loan origination agreement, fillout, documents, application, How we're paid, interest rate, borrower's, certification agreement, taxpayer information, escrow, verification of employment, VOE

Rating:    User: LoanOfficer   2008-03-18T11:01:47.373Z

Tags: Good | Faith | Estimate | GFE | fee | Beating | competitors | quoting | zero | points | hidden | broker | fees | discount | fees | agreement | fillout | documents | application | How | we're | paid | interest | rate | borrower's | certification | agreement | taxpayer | information | escrow | verification | employment | VOE |

080315-4 Three Papers at Signing

080315-4_Three_Papers_at_SigningPart 4 of March 15's Training Session Deed, Mortgage, Promisory Note, financing terms, TIL, Truth in lending, Prepayment penalty, APR, Annual Percentage Rate, Finance Charges,

Rating:    User: LoanOfficer   2008-03-17T18:29:08.927Z

Tags: March | 15's | Training | Session Deed | Promisory | Note | terms | TIL | Truth | lending | penalty | APR | Annual | Percentage | Finance | Charges | |

080315-3 Bankruptcy, Divorce, Proof of Income

080315-3_Bankruptcy,_Divorce,_Proof_of_IncomePart 3 of March 15's training sessions. Bankruptcy papers, Divorce papers, Proof of Income, Assets, Paystubs, W-2, Bankstatements, tax returns, business income, bank accounts

Rating:    User: LoanOfficer   2008-03-17T17:08:23.3Z

Tags: 3 | training | sessions. Bankruptcy | papers | Divorce | papers | Proof | Assets | Paystubs | W-2 | Bankstatements | business | income | bank | accounts |

080315-2 Going Through the Folder

080315-2_Going_Through_the_FolderPart 2 of March 15's training sessions

Rating:    User: LoanOfficer   2008-03-16T05:16:57.533Z

Tags:

080315-1 Kickoff Training

080315-1_Kickoff_TrainingThis is the kickoff training at Marv's house

Rating:    User: LoanOfficer   2008-03-16T02:54:31.823Z

Tags:

  • specially