COURSE LENGTH:
80 hours of actual comprehensive classroom training, also available on weekends.

PRICE INFORMATION:
$1,950

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Student Loans are available for this program.
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COURSE OVERVIEW:
It takes time and effort on your part to acquire knowledge and skills in the mortgage industry. Plus, the industry guidelines are constantly changing! You need that competitive edge to stay on top, and being recognized by your peers and clients as a professional "Certified Mortgage Specialist" improves your chances for advancement and your earnings potential! The courses showcased here will give you the best all-around training. You may take the training at one time or you may break up the different courses to fit your schedule. Capstone is offering a package price of $1,950 if you pay up front for the full CMS Program. That's a $335 savings!

STATE LICENSING & CONTINUING EDUCATION CREDITS:
Capstone's CMS Program meets licensing and/or continuing education requirements for Georgia, Illinois, Indiana, Mississippi, Maryland, South Carolina & Texas. It is approved by the Georgia & North Carolina Real Estate Commission for Continuing Education Credit for Real Estate Agents.

CMS PROGRAM LIVE TRAINING MENU:

	Principles of Mortgage Finance
	Understanding FHA Loans
	Understanding VA Loans
	Creative Financing Strategies That Sell Houses
	The Loan Originators Guide To Getting Builder Business
	Advanced Marketing Techniques For Loan Originators

CLASS DESCRIPTIONS:

Principles of Mortgage Finance (Cost if taken separately: $1030) Designed for the entry-level Loan Originator or Loan Processor to teach the correct way to originate conventional loans, including:     • Explanation of Mortgage Programs   • Creative Financing Programs   • Opening and Setting Up the Loan File   • Verifying Income and Assets   • Federal regulations and Compliance   • Taking a Detailed Loan Application   • Ordering Documents   • Reading and Analyzing the Appraisal   • Preparing a Good Faith Estimate   • The Interview Process   • Reviewing the Credit Report   • Working Up the Package for Submission Order CMS Program for Loan Originators Now Understanding FHA Loans (Cost if taken separately: $455) This course is acceptable for both Loan Originators and Processors and provides training for all FHA guidelines and procedures, including:     • FHA Programs and Guidelines   • Acceptable Sources of Income and Assets   • Determining What the Seller Should Pay   • FHA Allowable/Non-Allowable Fees   • FHA Refinance Guidelines   • Ordering the Case Number and Appraisal   • Financing Closing Costs Into the Loan   • Assembling the Submission Package   • Getting Condo Approvals Order CMS Program for Loan Originators Now Understanding VA Loans (Cost if taken separately: $225) This course is acceptable for both Loan Originators and Processors and provides training for all VA guidelines and procedures, including:     • VA Programs and Guidelines   • Ordering the Case Number and Appraisal   • Determining Residual Income   • Determining the Veteran's Eligibility   • Maximum Seller Contributions   • Assembling the Submission Package   • VA Allowable/Non-Allowable Fees   • Preparing All VA Forms   • VA Refinance Guidelines Order CMS Program for Loan Originators Now Creative Financing Strategies That Sell Houses (Cost if taken separately: $145) Wouldn't it be great if every buyer had sparkling credit, perfect income and assets, and qualifying was a breeze? In reality, many buyers have problems that prevent them from qualifying. This class covers creative financing strategies that help get more borrowers qualified and get most houses sold, including:     • Alternative Down Payment Sources   • How to Reduce the Borrower's Cash to Close   • "-0-" Down Loan Programs   • How to Qualify a Borrower For $20,000 More House   • How to Lower a Borrower's Qualifying Ratios   • How to Write Creative Ads that Get Results!   • And So Much More! Order CMS Program for Loan Originators Now The Loan Originators Guide To Getting Builder Business (Cost if taken separately: $145) This course is designed to show Loan Originators how to generate Builder business. For a Loan Originator, builder business can be the most profitable, consistent, and rewarding business to pursue. This course includes:       • How to “Research” a Community   • Getting Past the “Gatekeeper” On-Site Agent   • Overcoming Objections   • Showing Builders How to Maximize Profits   • How to Generate Additional Business from Building Contacts   • And So Much More! Order CMS Program for Loan Originators Now Advanced Sales & Marketing Techniques For Loan Originators (Cost if taken separately: $285) Competition is rough for Loan Originators. Cornering your share of the market takes organized planning, and more than just passing out rate sheets in Realtor offices! You need a clear understanding of what you are selling, and this class shows you how to lay out a plan of action that guarantees success. This course includes:       • Determining your “Specialty”   • Determining Who Your Market Is   • Developing a “Plan of Action”   • Marketing to “For Sale By Owner”   • Marketing to the "First-Time Homebuyer"   • Marketing to Realtors   • Alternative Sources of Business   • Preparing Promotional Materials   • How to Turn a “No” Into a “Yes” Order CMS Program for Loan Originators Now IMPORTANT TO NOTE: All of Capstone Institute's materials are protected by US Copyright Laws!