Mortgage Mayhem

Don’t be the sucker at the table.

Let’s level the playing field between inexperienced home buyers and industry expert lenders. Buying or refinancing a home is rare, expensive, and complex. As a result, most consumers simply “leave it to the experts” and hope for the best. That’s a bad life plan. If you have time to research cell phone plans, if you have time to review cable packages then you ‘should’ have time to learn about mortgage protections.

I’ve spent over a decade in mortgage compliance.Training loan officers, drafting lender policies, auditing consumer files for red flags and responding to complaints. I’ll take you “behind the scenes” for what you must know to protect yourself in the rare, expensive, complex home mortgage process. You don’t need to know “everything.” But what I’ll show you are the core skills that help level the field with your loan officer and lender who do this stuff every day. And when you show up as the rare informed consumer the lender takes notice. Trust me. The lender treats your file with a little more focus, a little more diligence, and professional respect.

In this class I’ll show you the key areas to show up as an informed mortgage applicant:

1. How to uncover “red flags” and other bad behavior before you choose a lender

2. The consumer mortgage rules that are most impactful to your protection (the rules lenders ‘actually’ care about)

3. Best practices for submitting complaints that get timely action by your lender

4. Build your confidence by knowing the key financial ratios used for mortgage applications

I get it. You are busy. Perhaps you just graduated. Or busy with work, PTA meetings, maybe a marriage or divorce and/or moving to a new city for a new job. And the last thing you want to do is research a bunch of mortgage stuff. But I made it easy. I’ve used my background in mortgage compliance to simplify the process. This class distills down and explains the key areas to focus on in the mortgage process.

It is your choice. Show up as an equal. Or roll the dice and take your chances on the loan officer, operations team and management doing the right thing. Just remember…this will probably be the most expensive purchase of your life. So go ahead and review the cell phone and cable plans. But maybe make some time to also learn what goes on behind the scenes at lenders and how to protect yourself.   

Lastly, as you start this class, please keep in mind the following tips:

• Knowledge = Leverage (become an informed mortgage applicant)

• What gets rationalized gets normalized (every time in every industry)

• Self Interest and Self Preservation are undefeated (every time in every industry)

• Mortgages are a “zero-sum” game (Lenders want the commission. See the 2008 mortgage meltdown)

Let’s get started!

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Frequently Asked Questions

How long do I have access to the course materials?

You can view and review the lecture materials indefinitely, like an on-demand channel.

Can I take my courses with me wherever I go?

Definitely! If you have an internet connection, courses on Udemy are available on any device at any time. If you don’t have an internet connection, some instructors also let their students download course lectures. That’s up to the instructor though, so make sure you get on their good side!