Back to Course

Replace Your Mortgage Premium Course

0% Complete
0/0 Steps
  1. Welcome to the Course
  2. How Banks Make Money
  3. History and FRL
  4. Home Ownership and Consumer Habits
  5. The 30-Year Debt Tool
  6. Government Control
  7. Mortgage Insurance
  8. Truth-in-Lending and Loan Estimate
  9. Mortgage vs HELOC Capabilities
  10. Rate Differences
  11. Lack of Education from Bankers
  12. 1st Lien vs 2nd Lien HELOC
  13. HELOCs Don't Pay Well
  14. APR vs Interest Rate
  15. HELOAN vs HELOC
  16. Typical Draw Period
  17. Payment Calculation
  18. Appraisal vs AVM
  19. Different Payment Strategies
  20. Variable Payment
  21. HELOC Freezes
  22. Reinstating Your HELOC After Freeze
  23. Checkings and Savings = Liability
  24. How Much Equity is Required
  25. Purchase Money HELOC
  26. Primary, Rentals, and Vacation Homes
  27. Foreclosures, Short Sales, and Bankruptcies
  28. Credit Score Requirements
  29. Credit Score Tips
  30. Debt Ratio Limits
  31. Discipline and Temptations
  32. Credit Card Offset Account
  33. 10 Ways to Save Money, Part 1
  34. 10 Ways to Save Money, Part 2
  35. Embedded Sweep Accounts
  36. Tax Refunds = Bad
  37. The HELOC is Your Checking Account
  38. HELOC Cashflow Strategy
  39. Income Utilization
  40. Who is Educating You?
  41. Closing Costs
  42. Less Interest = Less Profit
  43. Leveraging Your Equity
  44. Buy Real Estate
  45. Buy Fix and Flips
  46. Buy Vacation Homes
  47. Add Value to Existing Home
  48. Invest in Yourself
  49. Invest in Markets or Insurance
  50. Effective Interest Rates
  51. Training with James Cobb - Closings & Living Trusts
  52. Important Final Message
  53. ADVANCED HELOC TRAINING
    Thank You
  54. HELOCs and Property Classifications
  55. Prepayment Penalties
  56. HELOC Limitations
  57. Draw Periods
  58. HELOCs In A Recession
  59. Why This Works
  60. When Life Goes Wrong
  61. Promo Rate Stacking
  62. Most Important Aspect Of Your HELOC
  63. It's On You To Do The Work
  64. How To Approach Banks
  65. How Banks Calculate Your Rate
  66. HELOC Payment Requirements
  67. Examples of HELOC Disclosures
  68. HELOC Disclosure Example 2
  69. HELOC Automation
  70. Getting Denied: Solutions
  71. DTI and Stress Test
  72. Does The Banker Need To Understand RYM?
  73. Calculating HELOC Interest
  74. Billing Statement Examples