Real Estate Finance & Lending Practices

Mortgage finance from qualification through closing. Loan types, TRID disclosures, qualification standards, and fraud prevention.

8 Units

Early Units (Foundation)

Building Skills

Advanced Concepts

Capstone/Synthesis

Conventional Mortgage Loans and Underwriting

This unit examines conventional mortgage loans, including conforming and non-conforming products, the role of government-sponsored enterprises in the secondary market, underwriting standards for creditworthiness and capacity, private mortgage insurance requirements, and qualification guidelines that real estate professionals should understand to advise clients effectively.

20 minutes

Government-Backed Loans: FHA, VA & USDA

This unit examines government-backed mortgage programs including FHA, VA, and USDA loans, focusing on eligibility requirements, underwriting standards, property requirements, and the advantages and limitations of each program for borrowers and real estate professionals.

20 minutes

Qualification Standards: DTI, LTV & Credit

This unit examines the fundamental qualification standards used in residential mortgage underwriting, focusing on debt-to-income ratios, loan-to-value requirements, credit score thresholds, and the interaction of these factors in determining borrower eligibility and loan terms.

20 minutes

TRID Disclosure Requirements

This unit examines the TILA-RESPA Integrated Disclosure (TRID) rule requirements governing residential mortgage disclosures, focusing on Loan Estimate and Closing Disclosure timing, tolerance limitations on fee increases, and compliance obligations affecting lenders and settlement service providers.

20 minutes

Truth in Lending Act & RESPA

This unit examines the Truth in Lending Act and Real Estate Settlement Procedures Act, focusing on disclosure requirements, Annual Percentage Rate calculations, prohibited kickback and referral fee practices, and consumer rescission rights that govern residential mortgage transactions.

20 minutes

Predatory Lending & Ability-to-Repay Rules

This unit examines predatory lending practices, federal regulations protecting consumers from abusive lending, ability-to-repay requirements under TILA, and special protections for high-cost mortgages under the Home Ownership and Equity Protection Act.

20 minutes

Mortgage Fraud Recognition & Reporting

This unit examines mortgage fraud schemes, recognition of suspicious activities, legal consequences for participants, and reporting obligations for real estate professionals to protect clients, prevent personal liability, and support law enforcement efforts against mortgage-related crimes.

20 minutes

Secondary Mortgage Market & Alternative Financing

This unit examines the secondary mortgage market's structure and function, the role of government-sponsored enterprises in providing market liquidity, conforming loan standards, and alternative financing arrangements including seller financing, lease-options, and hard money loans.

20 minutes

Learning Progression

This course is designed to be taken sequentially. Earlier units establish foundational concepts that later units build upon. While you can explore units in any order, following the numbered sequence provides the most coherent learning experience.