Creative Mortgage Options to Get More Clients

Learn about the mortgage industry, and the latest developments in the world of private lending.

About the Course

On the Schedule:

August 27th, Online

This course will take place via Zoom. Instructor: Zydrune Masterson

September 24th, Online

This course will take place via Zoom. Instructor TBD

October 8th, In-Person

This course will take place in-person at NAMAR. Instructor TBD

In the Creative Mortgages course, you’ll learn about the latest developments in the Private Lending (Non-QM) market. Led by an industry expert on private lending, you’ll get an inside look into the nuances of the financing side of real estate transactions.

We’ll begin with an overview of the loan market, events that have shaped it, types of loans, and relevant calculations and and measurements. Towards the end of the course, we’ll dive into private lending, major types of Non-QM loans, and common questions surrounding this burgeoning industry. Armed with a better understanding of the mortgage industry, you can help more buyers in different situations discover the steps they can take to secure financing for their home.

Course Content


Course Outlines

10:00 – 10:10


The instructor will facilitate and  encourage the class to get to know each other, foster a sense of community in  the class, and help students learn from each other. To get us started, please  tell us your name, and your professional interest in this course.  


Learning Objectives

SECTION 1 From Subprime Lending to Qualified  Mortgage


Mortgage Financing, Qualifying Borrower for Mortgage


Subprime Mortgages


Interagency Guidance on Non-Traditional Mortgage of 2006


Statement  on Subprime Mortgage Lending of 2007


“QM Rule”  under Dodd-Frank Wall Street Reform and Consumer Protection Act of 2014


Types of QM Loans: -     General QM

-       Temporary QM

-       Small Creditor

11:25 -11:40

GSE Patch  and its Expiration

SECTION 2 Learning Products and  Programs

11:40 – 11:50

Traditional  (QM) VS Non-Traditional (Non-QM)

11:50 – 12:00

Fixed Rate  Mortgage  

12:00 – 12:15


12:15 – 12:30

Adjustable Rate Mortgage (ARM)

-       Components of ARM  

-       Index and Margin

-       Interest Rate Caps

-       Interest Rate Caps Math

12:30 – 12:50

Calculation  of Interest:

-       Simple Interest

-       Fixed Rate Amortization

-       Adjusted Payment Calculation

12:50 – 13:00  

Negative  Amortization (Neg-AM):

-       Neg-AM Features

-       Neg-AM Math

SECTION 3 Types of Non-Traditional  Products and Programs

13:00 – 13:15

Types of  ARM:

-       Hybrid ARM

-       Interest-only ARM

-       Payment option ARM


Interest-only  Rate

-       Advantages and Disadvantages

-       Interest-only Mortgage today  


Adjustable  Rate Mortgage is a good fit?


Balloon  Loan:

-       Comparison with 30-year Fixed-rate  Loan

-       Risks and a good fit

-       Examples

13:40 – 13:50

HELOC –  Home Equity Line of Credit

13:50 – 13:55

Jumbo  Loans

13:55 – 14:05

Why  Non-Traditional Mortgages are Coming Back?

14:05 – 14:10

Is Non-QM  the Same as a Subprime Loan?

14:10 - 14:15


Register Today
Early Bird Pricing
$ 0.00 USD
$ 0.00 USD
Real Estate CE
Credit Hours:
Online, In-Person

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