Parhaat Mortgage Loan Podcastit (2024)

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Loan Officer Training - 11/13/2024 - Understanding FHA Manual Underwriting 17:25

4d ago17:25

17:25

FHA manual underwriting can open doors for borrowers with unique financial profiles, but it requires a thorough understanding of guidelines and a keen eye for detail. In this episode of Loan Officer Training, we break down the essentials of FHA manual underwriting, empowering you to navigate this alternative pathway to loan approval with confidence…

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71: 5 Things We’re Focusing on For 2025 21:50

5d ago21:50

21:50

WATCH▶️ Watch this episode on Youtube*** EPISODE DESCRIPTIONIn this episode, Brandon and Tom share 5 things they're wanting to focus on in 2025, both personal and professional, and how they're planning to implement these changes. Brandon and Tom discuss:→ Being ruthless with their time and tuning out distractions.→ Doubling down on prospecting and …

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Smash the Holiday Mindset with Steve Kyles 16:54

10d ago16:54

16:54

Episode 136 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to discuss key insights from his brother, Jimn Kyles, author of Unstuck and Unstoppable. Together, we explore the critical role of mindset in navigating the …

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Loan Officer Training - 11/7/2024 - Analyzing Self-Employed Borrower Income: S-Corporations 33:29

10d ago33:29

33:29

Understanding self-employed borrower income can be challenging, especially when it comes to S-Corporations. In this episode of Loan Officer Training, we tackle the complexities of analyzing income for borrowers who operate as S-Corp owners, guiding you through key strategies to confidently assess their financial stability. Learn how to interpret K-…

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Loan Officer Training - 11/6/2024 - Effective Document Collection: Best Practices for Loan Officers 19:15

11d ago19:15

19:15

Document collection is a critical step in the loan process, but it can often be a source of delays, miscommunication, and frustration for both loan officers and borrowers. In this episode of Loan Officer Training, we dive into proven best practices for streamlining document collection and setting up your borrowers for a smooth loan journey. From in…

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Loan Officer Training - 11/5/2024 - Mastering Condo Loans for Loan Officers 21:10

12d ago21:10

21:10

Condo loans come with their own set of challenges and complexities, from unique underwriting requirements to HOA involvement and complex property approvals. In this episode of Loan Officer Training, we’ll dive into the world of condominium loans and uncover what every loan officer needs to know to navigate them with ease. Learn how to confidently a…

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70: If I Can Stop ONE Person From Making This Mistake, I’ll Be Happy 9:12

12d ago9:12

9:12

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares a message for listeners that he hopes can keep them from making the same mistakes he and Brandon did this year, and how shifting course has led to an overall better life. Tom discusses: → The lens he now uses to look at opportunities and the 1% rule. → Conten…

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Overcoming the "I Already Have a Lender" Objection with Steve Kyles 16:42

16d ago16:42

16:42

Episode 135 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to tackle one of the most common objections loan officers face: "I already have a lender." Steve breaks down an easy-to-follow approach to overcome this hurdle, helping loan officers confidently…

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Loan Officer Training - 10/31/2024 - Navigating Disputed Accounts in the Loan Application Process 15:57

17d ago15:57

15:57

Disputed accounts can be a stumbling block in the loan application process, impacting everything from credit scores to approval timelines. In this episode of Loan Officer Training, we’ll guide you through the complexities of handling disputed accounts and how they can affect a borrower’s loan eligibility. Learn why disputed accounts matter, how the…

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Loan Officer Training - 10/30/24 - Unlocking Borrower Potential: Exploring Credit Rescore 20:23

18d ago20:23

20:23

In this insightful episode of Loan Officer Training, we delve into the powerful world of credit rescores and how they can unlock new opportunities for your borrowers. Credit scores play a vital role in loan approval, interest rates, and overall borrower qualification, but they’re not always set in stone. Join us as we explore when and how to use cr…

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Loan Officer Training - 10/29/2024 - Analyzing Self-Employed Borrower Income: Sole Proprietor 15:23

19d ago15:23

15:23

Self-employed borrowers bring unique opportunities—and challenges—for loan officers. In this value-packed episode of Loan Officer Training, we take an in-depth look at how to analyze income for borrowers who operate as sole proprietors. If you've ever been stumped by complex tax returns, wondered how to account for fluctuating earnings, or struggle…

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69: MPC Insider Scoop & 1 Quick Tip to Implement Today 14:54

19d ago14:54

14:54

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are at their first MPC conference in Montréal! They give their highlights and what they've learned from the event, and also a tip backed by a big win Brandon's had with a process change. Brandon and Tom discuss: → The multiple paths and structures Broker…

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Loan Officer Training - 10/24/2024 - Mastering Loan Applications: Essential Strategies LOs 30:17

24d ago30:17

30:17

In this episode of Loan Officer Training, we dive into the core of your daily responsibilities—mastering loan applications. Navigating the loan application process efficiently is one of the most critical skills for any loan officer, and in this episode, we’ll equip you with the essential strategies to streamline your workflow, improve client satisf…

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7-11-4 rule with Steve Kyles 17:52

24d ago17:52

17:52

Episode 134 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, Steve Kyles and I explore the 7-11-4 Rule for "Farm Marketing," an insightful approach to help loan officers effectively reach their targeted Realtors and clients. We break down how this proven strategy ensures you're cons…

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68: [Timely] Find Refi Deals NOW with This Strategy 15:19

25d ago15:19

15:19

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares a very timely strategy that you can use to find refi deals on fixed rate mortgages. This opportunity will come and go quickly, so get on it right now! Tom discusses: → An overview of this strategy that has been working for him and Brandon, and the lightbulb m…

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Loan Officer Training - 10/23/2024 -Discovering the Difference: Mortgage Pre-Approval Vs Mortgage Pre-Qualification 17:34

25d ago17:34

17:34

In this episode of Loan Officer Training, we tackle one of the most common questions clients ask: What’s the difference between mortgage pre-approval and pre-qualification? While the terms are often used interchangeably, they serve distinct purposes—and as a loan officer, knowing how to explain these differences can make or break your client’s mort…

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Loan Officer Training - 10/22/2024 - Appraisal Review Fundamentals for Loan Officers 16:42

26d ago16:42

16:42

In this episode of Loan Officer Training, we dive into the essential fundamentals of appraisal review for loan officers. As a crucial step in the real estate financing process, understanding how to properly review an appraisal can make or break a loan approval. A thorough appraisal review ensures that the property value aligns with the borrower’s l…

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67: How to Get More Approvals in Less Time From Lenders (5 Tips) 17:02

26d ago17:02

17:02

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share 5 tips on how you can get more approvals in less time from lenders, making your business more quick and efficient, and also impressing clients. Brandon and Tom discuss: → The importance of where and why you place your files with a certain lender, a…

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66: How to Make More Per File (5 Tips) 27:07

1M ago27:07

27:07

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share 5 ways that you can make more money per file, including ways you can make more money immediately, and opportunities you can find within the file itself. Brandon and Tom discuss: → The benefits of MPP for certain client avatars and examples of where…

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Effective Delegation with Steve Kyles 18:38

1M ago18:38

18:38

Episode 133 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles, my co-leader in The Network, a National network of loan officers. We discuss strategies to empower your teammates and assistants for effective delegation, freeing up valuable time to focus on o…

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Loan Officer Training - 10/16/2024 - Evaluating Borrower Assets for Real Estate Financing 35:05

1M ago35:05

35:05

In this episode of Loan Officer Training, we focus on a critical aspect of real estate financing—evaluating borrower assets. When it comes to approving a loan, a borrower's assets play a key role in determining their financial stability and ability to cover down payments, closing costs, and reserves. But what exactly should you look for when review…

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Loan Officer Training 10/10/2024 - Navigating Blanket Loans: Best Practices for Loan Officers 27:25

1M ago27:25

27:25

In this episode of "Loan Officer Training," we’re exploring Blanket Loans—a powerful tool for real estate investors looking to finance multiple properties under one mortgage. For loan officers, understanding how to effectively navigate these loans can open new opportunities with high-value clients and streamline the lending process for portfolio in…

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Loan Officer Training 10/09/2024 - Properly Structuring the Refinance: A Guide for Loan Officers 25:15

1M ago25:15

25:15

In this episode of "Loan Officer Training," we delve into one of the most impactful skills a loan officer can have: Properly Structuring the Refinance. Knowing how to set up a successful refinance deal is crucial to helping your clients achieve their financial goals—whether it's lowering their monthly payments, accessing cash, or paying off their m…

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Loan Officer Training 10/08/2024 - Mastering Variable Income for Loan Officers 23:25

1M ago23:25

23:25

In this episode of "Loan Officer Training," we’re tackling one of the trickiest challenges loan officers face: Mastering Variable Income. Whether you’re working with self-employed clients, freelancers, or anyone with fluctuating earnings, understanding how to effectively assess and manage variable income is crucial to expanding your client base and…

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65: Should You Merge Businesses with Another Broker? 32:13

1M ago32:13

32:13

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share some of the pros and cons of starting a mortgage team, and a few different models that could work for you if you're looking to create a business partnership. And as a bonus, they are also interviewed by industry titan Jason Henneberry, to share mor…

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Replace Lies with Truths 15:42

2M ago15:42

15:42

Episode 132 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I interview Steve Kyles to explore the concept of a "paradigm filter"—the mental lens through which we interpret our experiences. We discuss how these filters can distort reality when based on lies and how we can transform…

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Loan Officer Training - 10/02/2024 - Navigating 1099 Mortgage Loans: A Loan Officer's Guide to Self-Employed Clients 27:15

2M ago27:15

27:15

Are you ready to master the art of working with self-employed clients? In this episode of Loan Officer Training, we break down everything you need to know about navigating 1099 mortgage loans. Learn how to effectively evaluate income, overcome common challenges, and provide tailored solutions for self-employed borrowers. With practical insights and…

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Loan Officer Training 10/01/2024 - Master Short-Term Rental Property Loans 25:45

2M ago25:45

25:45

Want to supercharge your loan officer business and become the go-to expert in short-term rental property loans? In this must-listen episode of Loan Officer Training, we reveal the secrets to tapping into the fast-growing short-term rental market. Discover how to assess these lucrative investments, craft perfect loan solutions, and position yourself…

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64: There's 90 Days Left in 2024, Focus on These Things 18:29

2M ago18:29

18:29

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share what you should be focusing on in the final quarter to finish 2024 strong, and start 2025 off right. Brandon and Tom discuss: → Assessing your business and where you need to improve for next year. → The lifetime value of your actions and why you sh…

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From Grinding to Grooving with Steve Kyles 13:18

2M ago13:18

13:18

Episode 131 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to talk about the transition from "grinding" to "grooving" in your business. We explore how to shift your mindset and build momentum by focusing on calls to referral partners who already know an…

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Loan Officer Training 09/25/2024 - How To Analyze Interest Rate Fluctuations 17:37

2M ago17:37

17:37

Understanding interest rate fluctuations is crucial for any successful loan officer. In this episode of Loan Officer Training, we dive deep into the world of interest rate analysis—why rates move, how global and domestic factors impact them, and what this means for your clients. Learn how to read market trends, predict shifts, and effectively advis…

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Loan Officer Training 09/24/2024 - How To Structure Asset Utilization Loans 19:31

2M ago19:31

19:31

Ready to master the art of structuring Asset Utilization Loans? In this episode of Loan Officer Training, we’re breaking down everything you need to know about this powerful financing option. Asset utilization loans allow borrowers to leverage their liquid assets, rather than traditional income, to qualify for a mortgage—perfect for high-net-worth …

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63: Industry's Best Kept Secrets, Succeeding as a Broker in Today's Market, and More with Ryan Wiley 50:44

2M ago50:44

50:44

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Canadian mortgage titan Ryan Wiley. Ryan is a Co-Owner of Strategy Hub from Kelowna, BC, and a Co-Founder of The VIP Club. Ryan spent 15 years being a Mortgage Broker, and refined his business to do tens of millions of dollars in volume whi…

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Loan Officer Training 09/19/2024 - How to Review a Real Estate Purchase Contract 18:39

2M ago18:39

18:39

Welcome to Loan Officer Training! In this episode, we’re delving into the crucial skill of reviewing a real estate purchase contract. Whether you're new to the industry or looking to sharpen your skills, understanding the intricacies of a purchase contract is essential for facilitating smooth and successful real estate transactions. We’ll guide you…

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When You're Off, BE OFF! 15:45

2M ago15:45

15:45

Episode 130 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, Frank Garay and special guest Steve Kyles dive into the importance of truly disconnecting during your time off. As loan originators, we know how difficult it can be to step away from active pipelines and ongoing client nee…

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Loan Officer Training 09/18/2024 - How to Disclose a Loan Without Tolerance Cures 13:11

2M ago13:11

13:11

Welcome to Loan Officer Training! In today’s episode, we're tackling the intricacies of loan disclosures and focusing on how to handle situations where tolerance cures aren’t necessary. Understanding how to properly disclose a loan without resorting to tolerance cures is key to maintaining compliance and ensuring a smooth loan process. We’ll start …

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Loan Officer Training 09/17/2024 - How to Calculate Debt-to Income Ratios 22:25

2M ago22:25

22:25

Welcome to Loan Officer Training! In this episode, we’re diving into one of the most crucial metrics in lending: the debt-to-income (DTI) ratio. Understanding and accurately calculating DTI is essential for assessing a borrower’s financial health and their ability to manage additional debt. Join us as we break down the process of calculating DTI ra…

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62: Our Hot Take on Social Media, Targeting Financial Advisors & Getting Lean 27:52

2M ago27:52

27:52

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share what they've been up to lately with hot takes on 3 topics that they'll be focusing on moving forward in their businesses. Brandon and Tom discuss: → What's happening in regards to social media, and the changes they've made in their philosophy and e…

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Loan Officer Training 09/12/2024 - How to Structure CDFI No Income Verification Loans 22:35

2M ago22:35

22:35

Unlock the potential of alternative financing with our latest episode of Loan Officer Training! This week, we’re diving into the world of CDFI No Income Verification Loans—an essential tool for loan officers looking to serve clients with non-traditional financial situations. In this episode, we’ll break down the ins and outs of structuring these un…

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Building Realtor Relationships with Richard Smith from QualifiedAgentList.com 17:13

2M ago17:13

17:13

Episode 129 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Richard Smith, owner of QualifiedAgentList.com, to discuss how mortgage loan officers can gain a competitive edge by working with a curated list of top-producing real estate agents. We dive into the key adv…

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Loan Officer Training 09/11/2024 - How to Structure Limited-Review Condo Loans 24:56

2M ago24:56

24:56

Ready to tackle the intricacies of condo financing? In this episode of Loan Officer Training, we’re diving into the essential techniques for structuring Limited-Review Condo Loans. These loans offer a streamlined approach to condo financing, and mastering their structure can set you apart in the competitive lending market. We’ll guide you through t…

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Loan Officer Training 09/10/2024 - How to Structure 5-10 Unit Property Loans 11:34

2M ago11:34

11:34

Get ready to elevate your lending game in this episode of Loan Officer Training! We’re diving deep into the art and science of structuring 5-10 unit property loans—a crucial skill for any loan officer aiming to master multi-unit financing. Join us as we explore the strategies and best practices for crafting loan structures that work for both your c…

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61: Get Back Your Mortgage Mojo 9:23

2M ago9:23

9:23

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares how being down on yourself will have an impact on your business, and what you can do to get your confidence back. Brandon discusses: → Reframing your mindset and reminding yourself of your "why". → Changing your inner circle and your scenery. → Going to e…

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Loan Officer Training 09/05/2024 - How to Structure a Buy, Rehab, Rent, Refinance, Repeat Loans 25:46

2M ago25:46

25:46

Ready to unlock the secrets of the BRRRR strategy? In this episode of Loan Officer Training, we dive deep into the Buy, Rehab, Rent, Refinance, Repeat method—a game-changer for real estate investors. Learn how to expertly structure these loans to help your clients maximize their returns and build their real estate portfolios like pros. We’ll guide …

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Loan Officer Training 09/04/2024 - How to Structure Bank Statement Loans 38:54

2M ago38:54

38:54

Are you ready to unlock the secrets of bank statement loans and take your lending game to the next level? In this exciting episode of Loan Officer Training, we’ll show you how to master the art of structuring bank statement loans, perfect for those self-employed clients and non-traditional earners who don’t fit the standard mortgage mold. We’ll gui…

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Loan Officer Training - How to Structure Profit & Loss Loans 23:38

2M ago23:38

23:38

In this essential episode of Loan Officer Training, we tackle one of the most complex aspects of lending—structuring Profit & Loss (P&L) loans. If you’re working with self-employed borrowers or those with variable income, mastering P&L loans is a must. Join us as we break down the key components of P&L statements, discuss how to accurately assess i…

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60: How to Survive the Banks Eating Our Lunch (3 Paths to Take) 16:46

3M ago16:46

16:46

WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 3 different pathways Brokers should be looking at taking if you want to survive long-term in this business, as it is nearly impossible to compete with the banks on rate and too many files are being lost to them. Tom discusses: → Increasing your lead flow and …

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Loan Officer Training 08/29/2024 - How to Structure a Down Payment Assistance Loan 22:07

3M ago22:07

22:07

In this episode of the Loan Officer Training podcast, we explore the essential strategies for structuring down payment assistance loans. Discover how to effectively design and manage these loans to help your clients overcome one of the biggest barriers to homeownership. We’ll cover key aspects such as eligibility criteria, types of down payment ass…

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Sailing the World and Serving the Mortgage Industry with Josh Pitts of Shred Media 24:31

3M ago24:31

24:31

Episode 128 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this captivating episode of the Mortgage Loan Officer Podcast, I sat down with Josh Pitts, founder of Shred Media, who has taken the ultimate leap into adventure. Josh has sold everything he owns, bought a 50' catamaran, and moved his e…

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Loan Officer Training 08/28/2024 - How to Structure an ITIN Borrower Loan 17:37

3M ago17:37

17:37

In this episode of the Loan Officer Training podcast, we dive into the intricacies of structuring ITIN borrower loans. If you’ve ever faced the challenge of helping clients without a Social Security Number secure financing, this episode is for you. We’ll break down the key steps to successfully structure ITIN loans, from understanding eligibility r…

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