03 Oct Webinar: Your Home Loan Tool Kit (Foundational) Webinar: Your Home Loan Tool Kit (Foundational) Tuesday, October 3, 2023 (1:00 PM to 4:00 PM) 3.00 CE Hours Live Streaming 3CE Credit Class, Loan Financing, Mortgage, Online, Specialty Credits Details You're Registered! DescriptionLocationInstructorsCancellation Policy Your Home Loan Tool Kit (3CE) Early Bird Member Price: $10 (Until September 19th, 2023 @ 12:00PM) Regular Registration Fee for Members: $15 Non-Member Pricing: $25 Instructor: Elysia Stobbe Location: Zoom The Consumer Financial Protection Bureau (CFPB) has issued a 26 page booklet entitled “Your Home Loan Tool Kit.” Understanding this tool kit is essential for REALTORS® to fully comprehend the impact of the TILA -RESPA guidelines. This 3 hour course will show you how to use the tool kit to make appropriate calculations, be come more productive and professional with regard to TILA-RESPA and enable you to speak with authority to clients regarding the nuances of the new disclosure and closing process. Objectives: After taking this class students will be able to: •Identify the most important steps a consumer should make before buying a home. •List the components of a monthly payment. •Learn what affects a consumer’s loan qualification. •Explain front and back ratios to a borrower. •List what comprises and impacts credit scores. •State why a fixed rate mortgage may be desirable. •Identify risky loan features. •State down payment alterations. •Explain zero-point loans. •Understand why a consumer may want to compare lenders. •Understand title insurance. •Explain what to do if a consumer gets behind on their mortgage. ATTENDANCE POLICY: 1. Attendees must remain logged at least 90% of instructional class time. 2. CE credit will not be awarded to students who miss more than 15 minutes of instructional time. No exceptions. CANCELLATION/NO-SHOWS: Cancellations not received within two (2) days prior to class start time will result in the forfeiture of the registration fee. Cancellations can be made through ORRA’s Professional Development Department at 407.513.7268 or email at education@orlandorealtors.org. Live Streaming Live Streaming Elysia Stobbe Elysia Stobbe is passionate about Finance! She has closed more than $300 million in residential mortgage loans during her career. Elysia’s belief that “enduring dedication to your client always wins” has earned her A+ Better Business Bureau ratings & 5 Star Customer Service Reviews. Elysia has presented at Harvard University multiple times. She's a national keynote speaker on a variety of topics including home buying, residential mortgages and strategic business coaching.Elysia’s team has been honored three years running as a top lender in Northeast Florida Ranked by Volume by the Jacksonville Business Journal and Elysia was recognized as a Top 50 Business Influencer in 2014 by Advantage Magazine.Elysia is the author of the #1 Best Seller "How to Get Approved for the Best Mortgage Without Sticking a Fork in Your Eye ™". As one of the nation’s leading mortgage experts with more than 15 years of experience, Elysia has been featured in the Wall Street Journal, the Wall Street Business Radio Network, NPR and on FOX, ABC, NBC, CBS and more for her expertise with VA mortgages and first-time home buyers. In addition, Elysia has been interviewed multiple times for her mortgage expertise by U.S. News & World Report and REALTOR.COM. As she builds her list of approved courses, Elysia welcomes the opportunity to share her expertise with REALTORS®. CANCELLATION/NO-SHOWS:Cancellations not received within two (2) days prior to class start time will result in the forfeiture of the registration fee. Cancellations can be made through ORRA’s Professional Development Department at 407.513.7268 or email at education@orlandorealtors.org.