CUNA Residential Mortgage Lending School
Topics & Objectives

Please note that the Topics/Objectives listed below are subject to change.

Regulations Affecting Mortgages

• Understand special rules for home equity lines of credit.
• Regulation Z - Truth in Lending
• HUD’s Regulation X - Real Estate Settlement Procedures Act (RESPA)
• Regulation C - Home Mortgage Disclosure Act (HMDA)
• Regulation B - Equal Credit Opportunity Act
• Examine the Flood Disaster Protection Act
• Learn about the Fair & Accurate Credit Transactions Act

A Strategic Approach to Residential Mortgage Lending

• Hear an overview of mortgage lending
• Develop your loan policies
• Create a business plan
• Learn about the secondary mortgage market

Loan Servicing

• Determine what you should service and when
• Learn how to design a servicing strategy
• Review the economics involved in servicing

Effective Mortgage Marketing Strategies & Best Practices

• Learn how to design and promote your marketing plan
• Discuss techniques to use when marketing to real estate agents
• Gain proven strategies for business development
• Examine new products that meet the needs of specific members

Breakout Session (choose one)

Operational Improvements

• Explore how to merge technology and human resources to maximize efficiency
• Discuss strategies to enhance workflow competencies
• Understand balancing efficiency with member service

All About Appraisals

• Understand the valuation process and appraisal reports
• Walk through the closing process
• Discuss how to effectively analyze the appraisal document

Underwriting

• Learn the latest underwriting trends and techniques
• See how artificial intelligence is impacting the underwriting process
• Learn about underwriting and explore case studies

Underwriting for the Self-Employed Borrower

• Find all income that can be used to qualify the member
• Understand the difference between sole proprietorships, partnerships, S-corporations, and corporations
• Learn how to reconcile tax return figures