2017 Real Estate Series

Registration Options & Pricing

Please select your membership status.

Recorded Webinar Includes

  • Recording of the Live Webinar
  • Available six business days following Live date
  • Available for 6 months following Live
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your credit union
  • Presenter’s contact info for follow-up

A series of 6 webinars for real estate lending staff!

In recent years, real estate lending has undergone some of the greatest changes in history. There has been an explosion of new lending requirements over the past few years. The process has become increasingly complex and more changes are on the horizon. With the housing market stabilizing, this is an opportune time to focus on your institution's real estate lending program. This beneficial series will help you understand and manage the new rules, risks, and compliance challenges, including the most confusing aspects of TRID (tolerance cures and disclosure timing issues), specific collections techniques for mortgage servicers, adverse action issues, and ARM and balloon payments.

This is a cost-effective way to obtain training on a broad range of real-estate-specific topics. Those seeking the most knowledge may attend all sessions, while experienced lenders may select individual webinars according to their needs. By signing up for the entire series, you will receive 6 webinars for the price of 5. It's a simple, economical training solution for mortgage lenders.

Real Estate Series Topics

Session Dates & Descriptions

12:00 pm – 1:30 pm Pacific
1:00 pm – 2:30 pm Mountain
2:00 pm – 3:30 pm Central
3:00 pm – 4:30 pm Eastern

Click on presenters’ names below for more information.

February 8, 2017
Understanding TRID Tolerance Cures

Steven Van Beek, Howard & Howard Attorneys PLLC

The CFPB's TILA/RESPA Integrated Disclosure (TRID) requirements continue to cause confusion for mortgage lenders. Specifically, many mortgage lenders have lingering questions regarding the TRID tolerance levels and properly conducting the good faith analysis of fees and charges. This webinar will review mortgage lenders' obligations under the TRID rules to track and monitor tolerance levels. The training will analyze the increased difficulty presented by situations where multiple loan estimates have been issued and a lender needs to determine which fees and charges to use when performing the good faith analysis. Lenders' options and requirements for providing tolerance cures will also be addressed. Attendees will learn TRID tolerance levels, best practices for tracking fees and charges, and the required procedures for curing tolerances on the closing disclosure.

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April 5, 2017
CFPB Real Estate Loan Collection Rules for Mortgage Servicers & Your Credit Union

Elizabeth Fast, Spencer Fane LLP

The CFPB adopted an overwhelming volume of changes to the mortgage servicing rules, effective October 19, 2017, and April 19, 2018. The most important changes relate to default and collection restrictions, successors in interest, mortgage foreclosures, and bankruptcy protections. This session will thoroughly explain the new changes to the mortgage servicing rules. It also will address early intervention, continuity of contact and loss mitigation procedures, and explain when small servicers are exempt.

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June 21, 2017
Adverse Action in Mortgage Lending: Are You in Compliance?

Ann Brode-Harner, Brode Consulting Services, Inc.

Fair lending and Regulation B requirements for adverse action notification in mortgage lending can be very confusing. This webinar will cover the proper, timely handling of denial notices and address problem areas - and how to avoid them! Inconsistent, inaccurate notices could cause your institution to be required to go back six months, review past notices, and resend accurate denial notices. (Imagine the reaction of a past, unsuccessful borrower who receives a reminder denial notice!) Join us for this important session to learn how to comply with denied mortgage loan requirements.

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August 9, 2017
Appraisals & Evaluations for Consumer Real Estate Lending: Interagency Guidance, Regulator Issues & FAQs

S. Wayne Linder, Young & Associates, Inc.

The real estate collateral valuation requirements for appraisers and financial institutions are complex. Regulators are serious about the adequacy of appraisal and evaluation procedures and want to ensure compliance with current regulations and guidance statements. Your staff needs a good understanding of the appraisal process and the appraisals received. This informative presentation will provide insights and address such questions as:

  1. Are you ordering the right valuation document?
  2. Does your evaluation document meet regulatory standards?
  3. When do you need a new appraisal?
  4. What are the collateral coverage requirements and what data should be captured on your core system?

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October 12, 2017
ARM & Balloon Payments: Clarifying the Confusion

Bill Elliott, Young & Associates, Inc.

Financial institutions continue to struggle with issues surrounding adjustable rate mortgages (ARM) and balloon payments. This webinar will address finance charges, APR disclosures, and how to comply with the CFPB's expectations. Although the CFPB hasn't answered all the questions, this webinar will address appropriate responses based on the existing regulation, as well as the pending proposal to update the TRID regulation.

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December 14, 2017
Mortgage Loan Disclosure Timing Issues

Steven Van Beek, Howard & Howard Attorneys PLLC

The constant change to mortgage disclosures has resulted in numerous revisions to lenders' procedures, including the timing of disclosures to applicants and borrowers. This program will review the timing requirements for various mortgage loan disclosures and analyze the required timeframes for providing HELOCs and closed-end consumer mortgage transaction disclosures. Specific attention will be paid to disclosure requirements for the loan estimate, closing disclosure, and other TRID-related disclosures, including the written list of providers. Lenders will learn when a revised loan estimate is required and when they can issue revised loan estimates to reset tolerance levels due to a changed circumstance. Attendees will receive details on the various required mortgage loan disclosures and specific timeframes and will be able to use that information to perform audits and analysis of their disclosure procedures.

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