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Tuesday, September 10, 2019

Mortgage Lending: Start to Finish

Start Date: 9/10/2019 8:30 AM MDT
End Date: 9/10/2019 4:00 PM MDT

Venue Name: Hilton Garden Inn Denver

Location:
16475 E 40th Circle
Aurora, CO  United States  80011

Organization Name: Independent Bankers of Colorado

Contact:
Maelynn Lewis
Email: mlewis@ibcbaks.org
Phone: 303.832.2000

Presented by ProBank Austin in Conjunction with Independent Bankers of Colorado
MORTGAGE LENDING: START TO FINISH

 
With the passage of the Dodd-Frank Reform Act, the financial industry has and will continue to face many challenges, especially in the area of lending compliance. Many of the changes required new disclosures and imposed standards and restrictions as to the underwriting certain mortgage loans. However, that was only the start. The “second wave” of changes significantly redesigned the “early disclosures” and “final disclosures” required for mortgage loans secured by real estate. Not only have the disclosures changed, the types of mortgage loans covered have expanded greatly in that all construction loans and vacant land (unless an exemption applies) are now covered.

This one-day seminar will cover existing disclosure requirements for mortgage loans secured by real estate including the Integrated Mortgage Disclosure requirements, (TRID rules). The seminar will bring together the requirements necessary to ensure compliance for closed-end, consumer purpose real estate secured loans. This seminar specifically focuses on the disclosure process under the various lending-related regulations.

During most seminars, regulations are reviewed individually. This seminar discusses the disclosures on a timeline beginning when the customer first presents the loan request all the way through closing and after closing. The material is organized in 
a sequence similar to the way an institution processes a loan. Attendees leave with detailed materials, which will be a valuable reference tool. 

Download the brochure here, Register by mail, fax, phone, or online. Reference code 19IBC35 to receive the discounted fee of $340.
 
TOPICS
Truth-in-Lending Act/Regulation Z
Real Estate Settlement Procedures Act (RESPA)/Regulation X
Fair Credit Reporting Act/FACT Act – Regulation V
Equal Credit Opportunity Act/Regulation B
Fair Housing Act
Flood Disaster Protection Act
Homeowners Protection Act
Homeownership Counseling Notification Requirements

WHAT IS COVERED 
Disclosure and Timing Requirements for Closed-End, Consumer Real Estate Transactions Including the Integrated Mortgage Disclosures
Collection of Fees and Verifiable Information
Proper Collection of Government Monitoring Information
Fee Tolerances Between the Loan Estimate and Closing Disclosure
When Re-Disclosure is Required
Proper Placement of Fees on the Loan Estimate and Closing Disclosures
And Much More!
 
WHO SHOULD ATTEND?
This seminar is designed for the compliance professional who is familiar with the basics of compliance for closed-end real estate secured loans as well those individuals that work in the loan application, processing, closing, and audit functions.
 
WHAT YOU NEED TO KNOW
 
Where
Hilton Garden Inn Denver, 16475 E 40th Circle, Aurora, CO 80011
303.371.9393
 
When
Tuesday, September 10, 2019
 
Program Level
Intermediate

Prerequisites/Advanced Preparation
Basic Knowledge of Lending Regulations. 

The Manual
The manual provides attendees with a valuable reference tool that summarizes the requirements of the various laws and regulations relating to consumer purpose, real estate secured loans.

Suggested Dress
Meeting room temperatures are often difficult to control. Please dress for comfort. Business casual dress is appropriate for all ProBank seminars.

Field Of Study
Specialized Knowledge

Questions?
Call 800-523-4778. For program questions, more information or refunds, ask for ext. 205 or ext. 235. For administrative policies, such as complaint resolution, ask for extension 222.

Confirmations
You will receive a written confirmation of your seminar registration within ten days after we receive payment. If an e-mail address is provided, your confirmation will be sent via e-mail. Please make sure to add registrar@probank.com to your list of approved e-mail addresses. 

ProBank Inclement Weather Line
In the event of inclement weather in your area, please call (502) 479-5241 for any seminar cancellations. If ProBank cancels a program due to weather, ProBank will refund the entire registration fee. If a program is not canceled and you choose to cancel your attendance, refunds will not be granted; however, substitutions are always welcome or you may transfer to another seminar by calling ProBank no later than the day of the program.

Cancellation Policy
If you cancel at least seven days prior to the seminar date, we grant full refunds. If you cancel six days or less, there will be a cancellation fee of $100 for each day of the seminar. Refunds will not be granted for  “no-shows” or for cancellations received on the date of the seminar. Substitutions are welcome at any time. If ProBank cancels a seminar for any reason, we will refund the entire registration fee. ProBank reserves the right to cancel the program when necessary. ProBank is unable to reimburse for travel expenses related to a canceled program. Please consider making refundable reservations or call us to confirm program before making reservations.
Approved for 6.5 CPE Credits. 
Eligible for 6.75 CRCM Credits through ABA Professional Certifications. 
Visit their website at: www.aba.com/Training/Certifications/Pages/default.aspx