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Replace Your Mortgage Premium Course
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Welcome to the Course
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How Banks Make Money
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History and FRL
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Home Ownership and Consumer Habits
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The 30-Year Debt Tool
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Government Control
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Mortgage Insurance
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Truth-in-Lending and Loan Estimate
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Mortgage vs HELOC Capabilities
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Rate Differences
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Lack of Education from Bankers
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1st Lien vs 2nd Lien HELOC
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1st Lien vs 2nd Lien Deep Dive
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HELOCs Don't Pay Well
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APR vs Interest Rate
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HELOAN vs HELOC
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Typical Draw Period
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Payment Calculation
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Appraisal vs AVM
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Different Payment Strategies
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Variable Payment
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HELOC Freezes
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Reinstating Your HELOC After Freeze
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Checkings and Savings = Liability
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How Much Equity is Required
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Purchase Money HELOC
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Primary, Rentals, and Vacation Homes
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Foreclosures, Short Sales, and Bankruptcies
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Credit Score Requirements
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Credit Score Tips
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Debt Ratio Limits
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Discipline and Temptations
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Credit Card Offset Account
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10 Ways to Save Money, Part 1
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10 Ways to Save Money, Part 2
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Embedded Sweep Accounts
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Tax Refunds = Bad
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The HELOC is Your Checking Account
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HELOC Cashflow Strategy
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2nd Lien Heloc Strategy
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2nd Lien Heloc Examples
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Income Utilization
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Who is Educating You?
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Closing Costs
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Less Interest = Less Profit
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Leveraging Your Equity
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Buy Real Estate
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Buy Fix and Flips
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Buy Vacation Homes
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Add Value to Existing Home
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Invest in Yourself
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Invest in Markets or Insurance
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ADVANCED HELOC TRAININGEffective Interest Rates
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Training with James Cobb - Closings & Living Trusts
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Important Final Message
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Thank You
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HELOCs and Property Classifications
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Prepayment Penalties
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HELOC Limitations
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Draw Periods
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HELOCs In A Recession
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Why This Works
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When Life Goes Wrong
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Promo Rate Stacking
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Most Important Aspect Of Your HELOC
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It's On You To Do The Work
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How To Approach Banks
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How Banks Calculate Your Rate
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HELOC Payment Requirements
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Examples of HELOC Disclosures
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HELOC Disclosure Example 2
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HELOC Automation
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Getting Denied: Solutions
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DTI and Stress Test
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Does The Banker Need To Understand RYM?
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Calculating HELOC Interest
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Billing Statement Examples
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BLOC Training
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BLOC To Lower DTI
Lesson 62 of 79
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