JLS & Associates

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JLS & Associates Courses

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Get In Compliance Approved for 3 Hours Continuing Education For Montana Mortgage Brokers and Originators
Review RESPA, ECOA, HOPA, Reg Z, Truth in Lending Privacy Issues, Flood Certifications and much, much more.

How To Detect & Avoid Mortgage Fraud Approved for 5 Hours CEU Montana Mortgage Brokers and Originators Montana Real Estate Brokers and Sales Agents
What is mortgage fraud? What are the different types of mortgage fraud? Is mortgage fraud all around us? Who pays for mortgage fraud? What is predatory lending? What resources are available to fight mortgage fraud?

Truth in Lending Approved for 4 Hours CEU Montana Mortgage Brokers and Originators Montana Real Estate Brokers and Sales Agents
Find out how Truth in Lending(TIL) should really work! This course will cover the intent of the law for consumers, the application of its principles by lenders and the correct explanation of the required information, including Annual Percentage Rate, Amount Financed, Finance Charge, etc. In addition we will cover the requirements of TIL in terms of advertising loans to consumers.

FHA Lending How to originate, process, underwrite and sell FHA Loans. What's new? How to use FHA to fill the gap left by the collapse of SubPrime sources—the full story from A to Z.

VA Loans Learn the best methods to serve those who have served. This course is a complete overview of how to originate, process, underwrite and sell VA Loans.

Conventional Financing What's new now that we've gone through all these changes! What lenders are left? What loan programs are still available? What are the changes to the programs that remain?

Market Share – What It Is and How to Get It What IS your market? What is your existing market share? What strategies for increasing market share are the most effective? Who is your REAL competition? How do you measure market share success?

Creating Success as a Professional Loan Officer Get your New Hires out the door and on their way to success! A hands on, disciplined approach covering the crucial First Four Weeks On The Street! Weekly tasks monitored by the Branch Manager build the basis of a successful career in loan origination!

Open Houses – How To Work Them Topics include: How to get invited to be there; What to do at an Open House; How to work with your Realtor to acheive joint success.

Privacy Training – Being in Compliance Topics include: Why privacy IS an issue; How businesses and government are working to protect personal information; Gramm-Leach-Bliley and the Fair Credit Reporting Act; Who and what is protected by financial privacy laws; The risks associated with non-compliance to privacy laws.

Stopping Sexual Harassment – Creating The Right Branch Environment Topics include: What is sexual harrassment and what isn't; Why sexual harrassment happens; How to establish proper training; Correct procedures for handling complaints; How to conduct a legal investigation; What is your liability and who is liable

How To Conduct a Meaningful Branch Sales Meeting Get all of your people to arrive On Time and Actively Participate. Implement team building strategies that work! Set the right order for your agenda, keep your meetings on track, and even end on schedule!

How To Get Your Loan Approved — The FIRST TIME! Topics covered include: Getting all the information—NOW; Creating a needs list as you go; What income you can use; Evaluating assets to determine if they have the cash to close; Credit report review & liabilities; Appraisal review techniques; "Painting the Picture" for Loan Approval.

Self-Employed Borrowers and Tax Return Analysis Complicated issues clarified. What income is usable? What are the basic business types? What about outside sales people? Schedules C,D,E,& F; 2106s; K-1s; 1065s; Corporate and S-Corp Returns explained; AGI versus Schedule Analysis.

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