The Mortgage Lending and Home Loan Products training course is designed to provide finance
professionals with a comprehensive understanding of the mortgage lending process, the various
home loan products available, and the strategies for assessing and managing borrower risk. The
course covers key concepts in residential mortgage lending, including loan origination, underwriting,
pricing, and closing. Participants will gain a deep understanding of the different types of home loan
products, such as fixed-rate mortgages, adjustable-rate mortgages (ARMs), government-backed loans,
and specialized loan programs for first-time homebuyers, veterans, and low-income borrowers. The
course will also address essential aspects of loan documentation, borrower qualification, and the role
of credit scoring in loan decision-making. Emphasis will be placed on navigating the regulatory
environment, ensuring compliance with laws such as the Truth in Lending Act (TILA), the Real Estate
Settlement Procedures Act (RESPA), and Fair Lending Laws.
By the end of this course, participants will have the knowledge and skills needed to confidently
navigate the mortgage lending process, from loan origination to closing. They will be equipped to
assess borrower risk, structure mortgage products that meet borrower needs, and comply with all
regulatory requirements. The course will also provide insights into the latest trends in mortgage
lending, including the impact of digital lending platforms and the growing role of fintech in reshaping
the industry. Participants will leave with the ability to advise borrowers on suitable loan options,
manage the loan approval process efficiently, and ensure their institution’s mortgage products align
with both market demands and regulatory standards.

Expected Outcomes:
 Comprehensive Understanding of Mortgage Products: Gain expertise in the various types of
home loan products available, including conventional loans, government-backed loans, and
specialized programs.
 Mastery of the Mortgage Lending Process: Learn how to manage the end-to-end mortgage
process, from application and qualification to underwriting, closing, and post-closing.
 Borrower Risk Assessment Skills: Understand how to evaluate borrower creditworthiness,
debt-to-income ratios, and other financial factors to determine appropriate loan products.
 Regulatory Compliance Knowledge: Ensure compliance with key regulations such as TILA,
RESPA, ECOA, and others that govern mortgage lending.
 Loan Structuring and Pricing: Develop the ability to structure loans based on borrower needs,
pricing risk, and negotiating terms that are both competitive and compliant.
 Emerging Trends in Mortgage Lending: Gain insights into digital lending platforms,
automated underwriting systems, and how technology is transforming the mortgage industry.