T1. The Mortgage Lending Process: This topic will introduce the learner to the mortgage lending process so that s/he understands the first and final steps in the process and knows how to proceed with new lending applications.

T2. Calculations: This topic will teach the learner about the types of calculations that s/he will be making, including calculating equity, LTV ratios, maximum loan amounts, and proposed payments.

T3. Rates: This topic will discuss the necessity of quoting rates, including a definition of rates, rate sheets, and the process of quoting rates to customers.

T4. The Application Process: This topic will teach the learner about the steps of the application process, starting with origination, and ending with finalizing the discussion, so that s/he is prepared to handle applications s/he might encounter.

T5. Application Documentation: This topic will teach the learner about the three types of application documentation so that s/he is prepared to encounter and evaluate such documentation on the job.

T6. Mortgage Loan Documentation: This topic will teach the learner about the next steps to take in the mortgage loan process after documentation has been written so s/he understands what items need to be gathered to verify the information stated on the application.

T7. Securing and Releasing Liens on Collateral: This topic will introduce the learner to a type of security interest granted over a property, a lien, to better help him/her in the role of a lender.

T8. Underwriting Guidelines: This topic will introduce the learner to the underwriting process and the underwritersÆ and processorsÆ involvement in income verification requests, preliminary approvals, counteroffers, declines, and exceptions.

T9. A Smooth Close: This topic will provide the learner with strategies and steps to take in ensuring the smooth closing of a mortgage loan.

T10. Mortgage Loan Decisions: This topic will focus on how different loan decisions are communicated to the borrower; the possible loan decisions are approval, counteroffer, or decline.

T11. ML: Closing Documentation: This topic will explain the loan finalization process, with information on closing documents for every loan and situation.