Recording - Overview of Residential Mortgages and Home Equity Lending - Sp21

Course Length
90 mins

Richard Hamm



Presenter: Richard Hamm, Advantage Consulting & Training

This 90-minute program will be presented live on: April 20, 1:00-2:30 p.m. Central Time
Recording available through: July 20, 2021
Price: $275


For many consumers, their residential first mortgage is the largest debt obligation.  So, even if you are making other types of consumer loans, it is important to understand mortgages – how they work, typical structures, and their impact on the credit profile of your borrower.  This program provides an overview of the entire mortgage process, including home equity lending.  We’ll look at the business aspects of mortgages for banks, current trends in products offered, plus recent regulatory issues – most of which arose from the severe downturn in housing in 2008-2010.

This webinar will address:


  • Update on residential first mortgage products and housing in general
  • The roster of various players and participants in the mortgage process, including the government sponsored entities (GSEs)
  • The evolution of bank involvement and current practices (originate to keep, originate to sell, using a correspondent relationship and others)
  • Customer goals and process differences with purchase mortgages versus refinancing
  • Overview of formal underwriting steps
  • Single closing products or construction/permanent combined loans
  • Evolution and current trends in home equity lending
  • Example underwriting for home equity line of credit (HELOC)


Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers

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