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Replace Your Mortgage Premium Course

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