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Essentials of Mortgage Loan Origination - 1st Edition

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Features of Essentials of Mortgage Loan Origination, 1st Edition:

Essentials of Mortgage Loan Origination (EMLO) contains the essential national content required for aspiring mortgage loan originators preparing to meet the standards of the 20-hour SAFE Act NMLS prelicense course. This textbook is tailored to the needs of pre-license students entering the mortgage industry as licensed professionals.

This text is designed to:
  • Make it easy for students to learn and retain the material
  • Prepare students for practical, real-world applications in mortgage origination
  • Emphasize both practical skills and required theoretical knowledge

EMLO is streamlined, direct, and to the point. It includes multiple learning reinforcements and a student-centered organization both within and across chapters. Its examples, explanations, and exercises are grounded in the authors’ many years of experience in real estate and mortgage education.

Whether you are new to the industry or transitioning from a related field, EMLO is built to guide you through the foundational knowledge and practices needed to pass your NMLS licensing exam and begin your career as a mortgage loan originator.


What is Essentials of Mortgage Loan Origination?
​

• The most adaptable text available by license or print
• 5-star quality yet concise and to the point
• Easiest to teach and learn from​
​• Rapid updating


Content Features

• 311 pages
• Available in printed, PDF, Word, ePub, and MP3 formats
• Comprehensive coverage of national pre-license topics​

• Chapter review questions
• Detailed glossary at the end of Chapter 2
• Full index
​
• ISBN - 978-1965482315
• Supplemental materials including an instructor test pack (ITP) and 215-slide PowerPoint Presentation
​
• Complemented by Mortgage Loan Originator License Exam Prep 

​
Potential uses
  1. As a classroom course’s primary textbook.
  2. As a national textbook used with a school’s own online course(s).

​Can Essentials of Mortgage Loan Origination be used for the online prelicense and/or CE courses?
 
Absolutely.  
Essentials of Mortgage Loan Origination and our other books can be used for online courses through our company’s unique licensing agreement. Our material can be used either to develop new courseware or to improve existing online courses.  Once we receive a signed agreement, we email all the digital formats (PDF, Word, ePub) of the textbook and supplemental resources that you can use to create or improve your own online courses.  The materials can be copied in the screens, used for reading assignments, converted into audio/video/PowerPoint, etc. behind your school’s learning management system. Feel free to ask us for more information regarding licensing and to see our textbooks’ licensing agreements.  

​I'm interested, what now?

Call or write today for your complimentary copy of 
Essentials of Mortgage Loan Origination -- now one of the most widely used prelicensing textbooks in the country. Note: offer only applies to licensed real estate instructors and/or school directors. Find out why more and more schools are switching to Essentials of Mortgage Loan Origination!  

Ryan Mettling
Publisher
Performance Programs Company
[email protected]
941-677-6043

EMLO on Amazon

​​Table of Contents

Essentials of Mortgage Loan Origination (EMLO), 1st Edition
​
  1. Chapter 1: Federal Mortgage-Related Laws 
    - Introduction 
    - Regulatory Authority 
    - Real Estate Settlement Procedures Act (RESPA) 
    - Equal Credit Opportunity Act (ECOA) And Regulation B 
    - Truth In Lending Act (TILA) And Regulation Z 
    - TILA-RESPA Integrated Disclosure Rule (TRID) 
    - Other Federal Laws And Guidelines 
  2.  Chapter 2: General Mortgage Knowledge 
    - The Mortgage Market And Mortgage Loan Programs 
    - Mortgage Loan Products 
    - Terms Used In The Mortgage Industry 
  3. Chapter 3: Mortgage Loan Origination Activities 
    - Application Information And Requirements 
    - Qualification Processing And Underwriting 
    - Closing 
    - Financial Calculations Used In Mortgage Lending 
  4. Chapter 4: Ethics 
    - Introduction
    - Ethical Issues Related To Federal Laws 
    - Ethical Behavior In Loan Origination 
  5. Chapter 5: Uniform State Content 
    - SAFE Act, CSBS, And AARMR Model State Law 
    - State Mortgage Regulating Agencies 
    - License Law And Regulation 
    - Compliance 
    - Index
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About the authors - Donna Welschmeyer, Ellen Barski, Stephen Mettling, Ryan Mettling​

Donna Welschmeyer is an active real estate investor and a licensed real estate agent. A Colorado native, Donna’s career in adult education has spanned over 35 years. With 13 years of active involvement in real estate and six years of real estate education development, Donna’s knowledge and expertise convey a unique perspective that allows her to interpret and clarify the complexities of real estate for students and clients alike.  

Ellen Barski has enjoyed a career as a writer, editor, and content developer for close to 30 years, the last eight of which have been in real estate-related education. She has written and developed pre-license, post-license, test prep, and continuing education courses in multiple states. Ellen takes great pride in empowering aspiring and seasoned professionals alike, guiding them towards achieving their career goals with confidence and expertise.

Stephen Mettling has been a real estate educator and custom training program developer specializing in real estate over the past forty years.  During that time, he has written or co-developed over 100 books, professional training programs and texts covering all aspects of residential, commercial, and corporate real estate for national trade organizations and real estate companies.  Additionally, Steve has directed numerous statewide real estate schools and served as vice president of Dearborn Financial Services where he headed up the country’s largest real estate, securities and insurance license training network.

Ryan Mettling, partner and publisher of Performance Programs, is an accomplished online curriculum designer, author, and course developer. He is responsible for the company’s strategic planning, general management, printing and production, ebook and retail platforms, and multi-channel marketing.  Ryan is a co-author of the Real Estate License Exam Prep (RELEP) Series and Real Estate Math Express. Mr. Mettling is a member of the Real Estate Educators Association (REEA), and graduated Valedictorian from the University of Central Florida’s College of Business Administration.  

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