Consumer Real Estate Loans

Step-by-Step Guidance

Overwhelmed by the 2014 CFPB changes and the subsequent TRID requirements, many lenders grew to dread consumer real estate loans. Some lenders stopped offering these loans altogether. In this webinar, Anne will guide terrified lenders and processors through a simple real estate loan and explain the current compliance rules. This webinar will help you tame those scary real estate loan problems and will be particularly helpful to bankers wanting to offer consumer real estate loans for the first time in several years. The booklet is clear and easy to use...consider it a companion to the popular Best-Ever Consumer Checklists.

Covered Topics

  • Truth in Lending
    • Ability to repay and qualified mortgages
    • Right of rescission
    • High-cost mortgages
    • HPMLs
    • ARMs
  • TRID requirements
  • RESPA
  • HMDA (including the 2018 applicability rules)
  • Reg B
    • Copies of appraisals
    • Intent to apply for joint credit
    • Monitoring requirements
  • Flood insurance
  • Appraisals and evaluations
  • FACTA credit score disclosures
  • Insurance disclosures
  • Military Lending Act

Who Should Attend?

Lenders, loan processors, compliance officers and loan review personnel

"Ann speaks well, explains clearly and her webinars are highly organized, concise and professional." -- Amy Emshoff, Accountant, Generations Bank

"I have been attending Ann's webinars for the last couple of years. She is very thorough and knowledgeable so I trust what I hear from her. She also furnishes great handouts and slides. She also will talk to you on the phone or email if needed. I will continue to always attend her webinars." -- Kathy Driskell, Vice President, First State Bank of St. Charles