Parhaat Loan Officer Training Podcastit (2024)

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

6d 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…

1
Masterclass Compilation: Highlights from RJ Baxter, Hamilton Lao, Chelsea Gardner & Kevin Brierton 42:11

8d ago42:11

42:11

In this special "Masterclass Compilation" episode of Loan Officer Team Training, I’ve gathered some powerful and insightful moments from my conversations with four exceptional performers in their fields: RJ Baxter, Hamilton Lao, Chelsea Gardner & Kevin Brierton. I am thankful to call each one of these guests a friend and have had the good fortune t…

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

12d 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-…

1
Loan Officer Training - 11/6/2024 - Effective Document Collection: Best Practices for Loan Officers 19:15

13d 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

14d 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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Loan Officer Training - 10/31/2024 - Navigating Disputed Accounts in the Loan Application Process 15:57

19d 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

20d 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

21d 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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Leadership Matters: A Discussion with the Authors 38:05

22d ago38:05

38:05

In this special bonus episode, I’m sharing a recent discussion I was invited to join with on the Laugh, Lend & Eat Podcast! Host Fobby Naghmi and co-host Ginger Bell invited in guests Joe Wilson, Founder & CEO of SocialCoach, Don Hastings, Founder of Senior Solutions Today, and me, Irene Duford, Founder of Loan Team Training. We dive into the impor…

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

26d 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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Loan Officer Training - 10/23/2024 -Discovering the Difference: Mortgage Pre-Approval Vs Mortgage Pre-Qualification 17:34

27d 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

28d 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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The Power of Educating Clients with Mike Hajjar 41:08

28d ago41:08

41:08

In this episode of Loan Officer Team Training, I’m joined by Mike Hajjar to explore the power of educating clients and how it can transform your business. Mike shares his insights on why taking the time to educate clients about the loan process not only builds trust but also empowers them to make informed decisions. We’ll discuss practical strategi…

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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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Re-Wire Your Programming: The Power of Positive Self Talk with Irene Duford 38:49

1M ago38:49

38:49

In this solo episode, I share a presentation I gave at the 50th Annual NAMB event, where I dive into the transformative power of positive self-talk and how it can help you re-wire your mental programming for success. Drawing on both personal experience and research, I’ll explain how the thoughts we repeat to ourselves shape our mindset, performance…

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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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How Jing Builds a Great Team by Learning the Skill of Hiring the Right People 47:02

1M ago47:02

47:02

In this episode, I’m joined by Jing Ren to discuss the intricacies of the hiring process and what it takes to build a successful team. Jing shares her journey of hiring, from identifying the right candidates to fostering an environment where new team members can thrive. We’ll explore the challenges, lessons learned, and key strategies for attractin…

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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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We’re Here to Be Helpers with Alyson Rixner 23:56

2M ago23:56

23:56

In this episode of Loan Officer Team Training, I sit down with Alyson Rixner to talk about the NAR changes that are affecting homebuyers, sellers, Mortgage Loan Officers and Real Estate Agents. But more broadly, we discuss the core value that drives her work, especially in times of trial or changes: being a helper. Alyson shares how this mindset sh…

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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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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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Everybody is Fascinating with Hamilton Lao 1:01:08

2M ago1:01:08

1:01:08

In this episode, I’m joined by Hamilton Lao, Business Development Rep for the Jing Mortgage Team, to explore how he’s turned “call reluctance” to “call acceptance” and is helping people everyday by building relationships. Hamilton shares his approach to building relationships and discovering the unique stories behind every client and colleague he m…

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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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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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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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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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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

3M 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

3M 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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Masterclass Compilation: Highlights from René Rodriguez, Tyler Osby, Alyson Rixner and Dr. Shad Helmstetter 41:31

3M ago41:31

41:31

In this special "Masterclass Compilation" episode of Loan Officer Team Training, I’ve gathered some of the most powerful and insightful moments from my conversations with four exceptional experts: René Rodriguez, Tyler Osby, Alyson Rixner, and Dr. Shad Helmstetter. Each segment is packed with actionable advice and strategies, covering topics like e…

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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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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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Loan Officer Training 08/27/2024 - How to Structure Blended Rates for 1st & 2nd Mortgages 18:09

3M ago18:09

18:09

In this enlightening episode of Loan Officer Training, we dive deep into the complexities of structuring blended rates for 1st and 2nd mortgages. Whether you're a seasoned loan officer or just starting out, understanding how to effectively blend rates can significantly impact your clients' financial outcomes and your own success in the industry. Jo…

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Loan Officer Training 08/22/2024 - How to Structure Mixed-Use Property Loans 16:28

3M ago16:28

16:28

In this episode of Loan Officer Training, we dive into the intricacies of structuring Mixed-Use Property Loans, a vital topic for loan officers dealing with properties that combine residential and commercial spaces. We’ll explore the unique challenges and opportunities presented by mixed-use properties, including how to assess the different compone…

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Loan Officer Training 08/21/2024 - How to Structure Bank Statement Loans 24:14

3M ago24:14

24:14

In this episode of Loan Officer Training, we explore the strategic use of Bank Statement Loans, a valuable financing option for self-employed individuals and others who may not have traditional income documentation. Discover how these loans use bank statements to verify income, making them an ideal choice for borrowers with irregular income streams…

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Loan Officer Training 08/20/2024 - How to Structure Foreign National Loans 40:38

3M ago40:38

40:38

In this episode of Loan Officer Training, we dive into the essentials of mastering Foreign National Loans to help you broaden your client base and tap into a lucrative market. We'll cover the key aspects of working with foreign national borrowers, including understanding their unique needs, navigating the specific requirements and documentation, an…

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Loan Officer Training 08/15/2024 - How to Structure Property Insurance for Financed Properties 20:26

3M ago20:26

20:26

In this episode of Loan Officer Training, we focus on the essential task of structuring property insurance for financed properties. Proper insurance coverage is crucial for protecting both the borrower and lender's interests, ensuring that assets are safeguarded against potential risks. We'll break down the different types of property insurance pol…

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Loan Officer Training 08/14/2024 - How to Structure Rate Locks 23:13

3M ago23:13

23:13

In this episode of Loan Officer Training, we explore the intricacies of structuring rate locks, a critical aspect of managing interest rate risk for your clients. Understanding how to effectively structure rate locks can help you secure favorable terms and protect borrowers from market fluctuations. We’ll discuss the different types of rate locks, …

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Loan Officer Training 08/13/2024 - How to Properly Set Expectations for a Successful Closing 26:24

3M ago26:24

26:24

In this episode of Loan Officer Training, we delve into the essential practice of setting expectations to ensure a smooth and successful closing. Proper expectation management is key to navigating the complexities of the mortgage process and fostering trust with clients. We'll discuss effective communication techniques to clearly outline the steps …

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Loan Officer Training 08/08/2024 - How to Structure an Appraisal Reconsideration of Value 34:29

3M ago34:29

34:29

In this episode of Loan Officer Training, we delve into the critical process of structuring an appraisal reconsideration of value. Understanding how to navigate this process can be a game-changer for loan officers looking to advocate effectively for their clients. We'll break down the steps involved in preparing a compelling reconsideration request…

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Loan Officer Training 08/06/2024 - How to Structure a HELOC Combo Loan 18:50

3M ago18:50

18:50

In this episode of Loan Officer Training, we explore the intricacies of structuring a HELOC Combo Loan. Combining a Home Equity Line of Credit (HELOC) with a traditional mortgage can provide clients with greater flexibility and financial advantages. Join us as we delve into the key components of a HELOC Combo Loan, including how it works, the benef…

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Passing On Your Knowledge with Ginger Bell 37:43

4M ago37:43

37:43

In this episode, I sit down with Ginger Bell to discuss the profound impact of using video to share knowledge and build a lasting legacy. Ginger and I explore how Loan Officers, Real Estate Agents, and professionals across industries can harness the power of video to educate, inspire, and connect with their audience and client base. We'll share pra…

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Loan Officer Training 08/01/2024 - How to Review Credit Reports and Structure Rapid Rescores 32:36

4M ago32:36

32:36

In this episode of Loan Officer Training, we explore the crucial skills of reviewing credit reports and structuring rapid rescores. Learn how to accurately read credit reports, identify key factors affecting credit scores, and spot common errors that may impact loan approval. Discover effective strategies for rapid rescores to quickly boost credit …

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Harmonies of Hope: An Opportunity to Give Back 25:02

4M ago25:02

25:02

In this special episode of Loan Officer Team Training, I’m joined by my grandson, Aaron Christensen, to discuss Harmonies of Hope, an inspiring charity fundraising event benefiting the Grief Center of New Mexico. Aaron shares the heartfelt mission behind the event, which aims to provide support and resources to those coping with loss. We'll delve i…

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Loan Officer Training 07/25/2024 - How to Structure Loans with Excluded Liabilities 28:45

4M ago28:45

28:45

Welcome to another essential episode of Loan Officer Training! This time, we’re focusing on a crucial topic that can significantly impact your loan structuring skills: How to Structure Loans with Excluded Liabilities. Excluded liabilities can complicate the loan process, but with the right approach, you can navigate these challenges effectively. Jo…

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