Federal Mortgage Related Laws
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Real Estate Settlement Procedures Act (RESPA) (45:45)
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Equal Credit Opportunity Act (ECOA) (25:42)
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Truth in Lending Act (TILA) (37:33)
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TILA-RESPA Integrated Disclosure Rule (TRID) (28:21)
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Home Mortgage Disclosure Act (HMDA) (7:53)
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Fair Credit Reporting Act (FCRA) (15:23)
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The FTC Red Flags Rule (4:09)
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Bank Secrecy Act/Anti-Money Laundering Rule (BSA/AML) (9:36)
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The Gramm-Leach-Bliley Act (10:08)
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Telemarketing Sales Rule - Do Not Call (TSR/DNC) (6:44)
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The Mortgage Acts & Practices Act (MAPs) (3:17)
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The Electronic Signatures in Global and National Commerce Act (E-Sign Act) (3:07)
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The Patriot Act (4:06)
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The Dodd Frank Act (1:42)
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The Homeowners Protection Act (HPA) (14:33)
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Community Reinvestment Act (CRA) & Fair Housing Act (FHA) (4:04)
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The CFPB & HUD (5:39)
General Mortgage Knowledge
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Ability To Repay-Qualified Mortgage Rule (ATR/QM) (17:32)
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Mortgage 101 (7:28)
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Conventional (13:29)
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Non-Conventional FHA (20:28)
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Non-Conventional VA (8:24)
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Non-Conventional USDA (4:57)
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Conventional Non-Conforming (6:18)
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The Statement on Subprime Lending (6:41)
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The Guidance on Nontraditional Mortgage Product Risks (5:12)
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Purchase Money Seconds - Piggyback Financing (1:22)
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Fixed Interest Rates (5:09)
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Adjustable Rate Mortgages (ARMs) (33:58)
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Balloon Loans (6:10)
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Reverse Mortgages (8:56)
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Home Equity Line of Credit - Home Equity Loan (3:32)
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Construction and Rehabilitation Loans (9:34)
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Interest Only Loans (7:39)
Mortgage Loan Origination Activities
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MLOA Video 1 (10:10)
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MLOA Video 2 (19:09)
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MLOA Video 3 - Assets & Reserves (25:10)
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Loan Inquiry and Application Production Requirements - Part I (13:12)
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Loan Inquiry and Application Production Requirements - Part II (14:36)
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Qualification - Processing and Underwriting - Assets & Reserves (7:38)
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Qualification - Processing and Underwriting - Liabilities (11:04)
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Qualification - Processing and Underwriting - Income (10:17)
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Qualification - Processing and Underwriting - Income Calculations (8:43)
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Qualification - Processing and Underwriting - Credit Report (5:52)
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Qualification - Processing and Underwriting - Qualifying Ratios (5:58)
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Qualification - Processing and Underwriting - Tangible Net Benefit; Occupancy; Verification of Deposit (6:22)
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Qualification - Processing and Underwriting - Appraisals (13:59)
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Qualification - Processing and Underwriting - Title Reports (3:30)
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Qualification - Processing and Underwriting - Hazard & Forced Placed Insurance (8:07)
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Qualification - Processing and Underwriting - Flood Insurance (3:20)
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Qualification - Processing and Underwriting - Mortgage Insurance (13:35)
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Qualification - Processing and Underwriting - Title and Title Insurance (20:21)
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Qualification - Processing and Underwriting - Explanation of Fees (6:21)
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Financial Calculations Used in Mortgage Lending - Periodic Interest (5:42)
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Financial Calculations Used in Mortgage Lending - Payments (15:50)
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Financial Calculations Used in Mortgage Lending - Down Payments and LTV, CLTV, & TLTV (9:35)
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Financial Calculations Used in Mortgage Lending - Debt-to-Income Ratios (6:24)
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Financial Calculations Used in Mortgage Lending - Discount Points and Temporary Buydowns (11:21)
Ethics
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Ethical Issues - Violations of Law - The Gramm-Leach-Bliley Act (4:02)
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Ethical Issues - Prohibited Acts (14:49)
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Ethical Issues - Fairness in Lending (11:18)
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Ethical Issues - Fraud Detection (21:58)
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Ethical Issues - Advertising (8:11)
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Ethical Behavior Related to Loan Origination Activities - Relationships with Consumers (22:55)
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Ethical Behavior Related to Loan Origination Activities - Borrower Education & General Business Ethics (14:33)
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Ethics - Fraud Definitions (17:07)
Uniform State Content
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Uniform State Content (USC) - SAFE Act and CSBS-AARMR Model State Law - State Mortgage Regulatory Agencies (8:54)
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Uniform State Content (USC) - SAFE Act and CSBS-AARMR Model State Law - Definitions and Documents (2:47)
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Uniform State Content (USC) - SAFE Act and CSBS-AARMR Model State Law - Licensee Qualifications and Application Process (10:45)
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Uniform State Content (USC) - License Maintenance (5:49)
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Uniform State Content (USC) - NMLS Requirements (6:38)
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Uniform State Content (USC) - Compliance (12:11)
