Course Objectives

This course equips mortgage professionals with the knowledge, confidence, and practical insight needed to serve borrowers ethically, effectively, and with excellence in today's constantly evolving lending environment. Across seven in-depth chapters, participants will explore the core components shaping modern mortgage lending — from compensation and marketing to cybersecurity, fair lending, and emerging loan products — blending regulatory knowledge with real-world case studies and practical application.

By the end of this course, participants will be able to:

• Explain how loan originator compensation is structured and identify the legal boundaries that govern marketing and advertising practices in the mortgage industry.
• Recognize the most frequent state-level violations identified in examinations and apply compliance best practices to reduce risk within their organizations.
• Describe cybersecurity and BSA/AML responsibilities applicable to mortgage professionals and explain how to protect consumers and organizations from emerging threats.
• Apply fair lending principles to origination decisions and identify conduct that creates disparate treatment or disparate impact risk.
• Explain the structure and eligibility requirements of Energy Efficient Mortgages and describe how they serve borrowers seeking sustainable financing solutions.
• Identify Non-QM and non-conforming loan products and apply strategies to support borrowers with non-traditional financial profiles in a compliant and consumer-centered manner.
• Recognize how technology and market forces shape today's lending environment and apply best practices that support integrity, transparency, and sound professional judgment.