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Guidelines & Rules
4 videos
Ep · 01Seller concessions by loan type
FHA, VA, conventional — max % by LTV and down payment
Ep · 07Understanding DTI and why it kills contracts
Front-end vs. back-end and how agents can help
TRID timelines and disclosure rules
What LOs must do and how it affects your contract
How mortgage insurance works — and when it goes away
PMI removal, MIP for life, and structuring to avoid it
Loan Programs
3 videos
Ep · 02FHA basics every agent must know
Loan limits, MIP, condition requirements, seller limits
Ep · 03Conventional loan guidelines overview
Fannie/Freddie, conforming limits, key qualifying rules
Ep · 04VA loan — what agents get wrong
Appraisal requirements, funding fee, offer strategy
Deal Strategy
6 videos
Ep · 05How the appraisal process works
Timelines, deal-killers, and how to prep your listing
Ep · 06Why pre-approval is not pre-qualification
What each means — and what actually protects your deal
The clear-to-close timeline
What happens in processing and underwriting
How to write a stronger offer using mortgage strategy
Rate buydowns, concessions, and loan type as negotiating tools
Rate buydowns — how to use them in negotiations
2-1 buydown vs. price reduction — which wins for your buyer
What actually causes a loan to fall apart
The top 10 reasons deals die — and how to prevent them
Special Situations
5 videosCondo financing — the traps agents miss
Warrantable vs. non-warrantable and why it matters
Gift funds — who can give them and how
Rules by loan type and how to document properly
Self-employed borrowers — what to expect
Two-year history, write-offs, and qualifying income
Non-occupant co-borrowers — conventional rules
When they help, when they don't, and LTV requirements
Jumbo loans — what's different above conforming
Reserves, down payment, and qualifying differences
Client Management
2 videosHow to talk to your buyers about the loan process
Setting expectations that protect your commission
Why your buyer needs a mortgage broker — not a big bank
Access to 200+ lenders, speed, and transparency