Course Description

Katalyst Kampus is a one-of-a-kind comprehensive mortgage and business school for individuals getting started in the mortgage industry. 

Whether you are seeking to be a new mortgage broker/loan officer, an underwriter, a processor, or if you were recently hired and need additional training, Katalyst Kampus will help you thrive with our interactive activities, videos, interviews, modifiable downloadables, vetted mortgage resources, website links to the real mortgage world, along with dozens of problem solving tactics. You'll have "nearly" all the tools to become a seasoned mortgage broker within 30-60 days, versus the average of 2-3 years. You'll feel more confident, which will give you the ability to "talk-the-talk." Your future referral partners and clients will be able to recognize your knowledge and see your confidence.  

There are 12 units (Chapters).  Units will take 2-5 hours to complete. They vary in size and difficulty.  Each unit has additional optional career, life, marketing, and money making activities to expand your opportunity for success, in all parts of your life. 

We hope to see you on the 'inside.'

"OWN YOUR FUTURE" - KKZ

Course curriculum

  • 2

    Chapter 2: The Application

    • Part 1: The Application

    • Part 2: The Pow-Wow List

    • Part 3: The Initial Client Email

    • Part 4: The Application - Part 1

    • Part 5: Check for Understanding

    • Part 6: The Application - Part 2

    • Part 7: Check for Understanding

    • Part 8: The Application - Part 3

    • Part 9: Check for Understanding

    • Part 10: Common Client Documents - Part 1

    • Part 11: Check For Understanding

    • Part 12: Common Client Documents - Part 2

    • Part 13: Check for Understanding

    • Part 14: The Application Final Assessment

    • Part 15: Money Mission and Discussion

  • 3

    Chapter 3: Credit/Debt

    • Part 1: An Introduction to Credit

    • Part 2: Bankruptcies (7 & 13), Foreclosures, Short-sales, Deed-in-lieu, and Loan Modifications

    • Part 3: Check for Understanding

    • Part 4: Important Credit Lessons

    • Part 5: Before Pulling Credit

    • Part 6: The Credit Report - Part 1

    • Part 7: Check for Understanding

    • Part 8: The Credit Report - Part 2

    • Part 9: Check for Understanding

    • Part 10: Credit Repair Tools - Part 1

    • Part 11: Credit Repair Tools - Part 2

    • Part 12: Checking for Understanding

    • Part 13: Updating the Credit Report if there are Mistakes

    • Part 14: School Loans and Pulling Credit - Timing

    • Part 15: Payments made by someone else and other Credit odds and ends

    • Part 16: Credit/Debt Final Assessment

    • Part 17: Money Mission And Discussion

  • 4

    Chapter 4: Real Estate Contracts

    • Part 1: Checkpoint - Have you Completed Your Money Missions?

    • Part 2: An Introduction to Real Estate Contracts

    • Part 3: Extracting the Pertinent Information - Part 1

    • Part 4: Checking for Understanding

    • Part 5: Extracting the Pertinent Information - Part 2

    • Part 6: Checking for Understanding

    • Part 7: Looking for Problematic verbiage in the Real Estate Contract

    • Part 8: An Interview w/ a Realtor

    • Part 9: Real Estate Contracts Final Assessment

    • Part 10: Money Mission and Discussion

  • 5

    Chapter 5: Assets

    • Part 1: An Introduction to Assets

    • Part 2: Patriot Act - Asset Reporting Requirements

    • Part 3: Proving Assets

    • Part 4: Checking For Understanding

    • Part 5: CTC Conduits

    • Part 6: CTC Conduits Continued

    • Part 7: Asset Documentation for Cash-out Refinances

    • Part 8: Checking For Understanding

    • Part 9: Storytime @ Reserve Funds

    • Part 10: Checking For Understanding

    • Part 11: Assets Used In A Transaction - Part 1

    • Part 12: Assets Used In A Transaction - Continued

    • Part 13: Checking For Understanding

    • Part 14: Seasoning Assets and Problem Solving

    • Part 15: Multiple Asset Accounts

    • Part 16: Assets Final Assessment

    • Part 17: Money Mission and Discussion about additional courses and testing required to get licensed

  • 6

    Chapter 6: Appraisals

    • Part 1: An Introduction To Appraisals

    • Part 2: Video Reviewing an Appraisal Report

    • Part 3: Checking For Understanding

    • Part 4: History of Ordering Appraisals

    • Part 5: Checking For Understanding

    • Part 5: The Appraised Value

    • Part 6: Appraisal Fees

    • Part 7: Checking For Understanding

    • Part 8: Rush Orders and VA Appraisals

    • Part 9: Other Appraisals

    • Part 10: Government Appraisals

    • Part 11: Appraisal Timing and New Construction

    • Part 12: Checking For Understanding

    • Part 13: Complex Property Appraisals

    • Part 14: Jumbo Appraisals and Rental Appraisals

    • Part 15: More Important Appraisal Information

    • Part 16: Checking For Understanding

    • Part 16: Interview With A Professional

    • Part 17: Checking For Understanding

    • Part 18: Appraisals Final Assessment

    • Part 19: Money Mission and Discussion

  • 7

    Chapter 7: Closing Costs, Prepaids & The Escrow Account

    • Part 1: An Introduction to Fees and The Escrow Account

    • Part 2: Prepaids Explained

    • Part 3: List of Fees for a Purchase - Part 1

    • Part 4: List of Fees for A Purchase - Part 2

    • Part 5: Refinance Fees and Prepaids

    • Part 6: Checking For Understanding

    • Part 7: Property Taxes, Hazard Insurance & Interest

    • Part 8: Checking For Understanding

    • Part 9: Who Can Pay for Closing Costs and Prepaids?

    • Part 10: Checking For Understanding

    • Part 11: The Fees Sheet - Part 1

    • Part 12: Checking For Understanding

    • Part 13: The Fees Sheet - Part 2

    • Part 14: Checking For Understanding

    • Part 15: Impound Account vs. Escrow Account

    • Part 16: Checking For Understanding

    • Part 17: Annual Percentage Rate Fees And Prepaid Finance Charges

    • Part 18: Checking For Understanding

    • Part 19: Closing Costs, Prepaids & The Escrow Account Final Assessment

    • Part 20: Money Mission And Discussion

  • 8

    Chapter 8: Interest Rates & Mortgage Insurance

    • Part 1: Introduction To Interest Rates & Mortgage Insurance

    • Part 2: Interest Rates & Loan Types

    • Part 3: Price Engines & Rate Sheets - Part 1

    • Part 4: Price Engines & Rate Sheets - Part 2

    • Part 5: The Rate Game & The Lock Desk

    • Part 6: Checking For Understanding

    • Part 7: Pricing Engine - Part 1

    • Part 8: Checking For Understanding

    • Part 9: Pricing Engine - Loan Options - Part 2

    • Part 10: Checking For Understanding

    • Part 11: Pricing Engine - Rate Options - Part 3

    • Part 12: Checking For Understanding

    • Part 13: How to Calculate Lender Credit & Lender Fee

    • Part 14: Checking For Understanding

    • Part 15: Pricing Engine - Rate Options - Part 4

    • Part 16: Checking For Understanding

    • Part 17: Pricing Engine (2nd Scenario) - Part 5

    • Part 18: Checking For Understanding

    • Part 19: Pricing Engine (2nd Scenario) Loan Options - Part 6

    • Part 20: Checking For Understanding

    • Part 21: Pricing Engine (2nd Scenario) Rate Options - Part 7

    • Part 22: Checking For Understanding

    • Part 23: Pricing Engine (2nd Scenario) Rate Options - Part 7a

    • Part 24: Checking For Understanding

    • Part 25: Rate Lock Confirmation

    • Part 26: Checking For Understanding

    • Part 27: Rate Sheets

    • Part 28: Checking For Understanding

    • Part 29: Adjustments & Interest Rates

    • Part 30: Checking For Understanding

    • Part 31: Changing Lender Fees & Lender Credit

    • Part 32: Checking For Understanding

    • Part 33: Timing -Locking

    • Part 34: Renegotiating Interest Rates & Establishing Mortgage Insurance

    • Part 35: Establishing Mortgage Insurance Continued

    • Part 36: Checking For Understanding

    • Part 37: Quoting Mortgage Insurance via MGIC

    • Part 38: Checking For Understanding

    • Part 39: Interest Rates & Mortgage Insurance Final Assessment

    • Part 40: Money Mission & Discussion

  • 9

    Chapter 9: Title Reports & Title/Escrow Services

    • Part 1: An Introduction to Title & Escrow Services

    • Part 2: Why Title Companies & Law Firms are Needed

    • Part 3: What Is A Title Report?

    • Part 4: Checking For Understanding

    • Part 5: The Title Report

    • Part 6: Checking For Understanding

    • Part 7: What Happens when the Earnest Money is Deposited at the Title Company?

    • Part 8: Checking For Understanding

    • Part 9: Quitclaim Deeds

    • Part 12: Checking For Understanding

    • Part 13: Title & Escrow Charges

    • Part 14: Signing the Final Loan Documents

    • Part 15: Checking For Understanding

    • Part 16: The Three Most Important Documents

    • Part 17: The Note Demo

    • Part 18: The Deed Demo

    • Part 19: The Final Closing Disclosure

    • Part 20: Checking For Understanding

    • Part 21: Client unavailable for Signing?

    • Part 22: Checking For Understanding

    • Part 23: Title & Escrow Final Assessment

    • Part 24: Money Mission & Discussion

  • 10

    Chapter 10: Income

    • Part 1: Introduction to Income

    • Part 2: Learning about Income

    • Part 3: Income - Accuracy vs. Estimates

    • Part 4: The Basics & Reading Paystubs

    • Part 5: Paystub Sample

    • Part 6: Checking For Understanding

    • Part 7: Overtime, Commission, Bonus, Seasonal Or Part-time Income & The VOE.

    • Part 8: Checking For Understanding

    • Part 9: Income Worksheets

    • Part 10: Difficult Paystubs & what Documents to collect

    • Part 11: Reading W-2s, Proving Child Support & Covering Recent Divorce

    • Part 12: Private Notes, College-To-Work Income, Pastor/Religious Figure Income & Disability Income

    • Part 13: Unemployment Income

    • Part 14: Checking For Understanding

    • Part 15: Social Security Income (Taxable & Non-Taxable)

    • Part 16: Pensions, PERS, Annuities, & Trust Income

    • Part 17: K-1s & Final K-1s

    • Part 18: Checking For Understanding

    • Part 19: Income Source Examples & Rental Income

    • Part 20: Sourcing Income from New Rentals

    • Part 21: Checking For Understanding

    • Part 22: Self-Employment Income - Part 1

    • Part 23: Self-Employment Income - Part 2

    • Part 24: Self-Employment Income - Part 3

    • Part 25: Self-Employment Income - Part 4

    • Part 26: Self-Employment - Part 5 & Tax Transcripts

    • Part 27: Checking For Understanding

    • Part 28: Debt To Income Ratios: Part 1

    • Part 29: Debt To Income Ratios: Part 2

    • Part 30: Debt To Income Ratios: Part 3

    • Part 31: Checking For Understanding

    • Part 32: Income Final Assessment

    • Part 33: Money Mission & Discussion

  • 11

    Chapter 11: Loan Types

    • Part 1: An Introduction to Loan Types

    • Part 2: Introduction To Underwriting Guidelines

    • Part 3: Underwriting Guidelines For Government Loans - VA Loans

    • Part 4: Checking For Understanding

    • Part 5: VA Underwriting

    • Part 6: ODVA

    • Part 7: ODVA Demo

    • Part 8: Checking For Understanding

    • Part 9: FHA, FHA Streamline & FHA 203K Guidelines

    • Part 10: Checking For Understanding

    • Part 11: USDA - Rural Housing Guidelines

    • Part 12: Checking For Understanding

    • Part 13: USDA Website Demo

    • Part 14: Checking For Understanding

    • Part 15: USDA Website Info & other Links

    • Part 16: Checking For Understanding

    • Part 17: Conventional Underwriting Guidelines

    • Part 18: Conventional Loan Matrix and Conventional Loan Underwriting Guidelines

    • Part 19: Checking For Understanding

    • Part 20: Freddie Mac Underwriting Guidelines

    • Part 21: Jumbo Underwriting Guidelines

    • Part 22: VA Jumbo Loans

    • Part 23: Checking For Understanding

    • Part 24: Other Miscellaneous Important Underwriting Details

    • Part 25: Checking For Understanding

    • Part 26: Adjustable Rate Mortgage - ARM

    • Part 28: Checking For Understanding

    • Part 29: When the most Common Loans won't do

    • Part 30: Checking For Understanding

    • Part 31: VA Interview with an Expert

    • Part 32: Loan Types - Final Assessment

    • Part 33: Money Mission & Discussion

  • 12

    Chapter 12: Wrapping it all up

    • Part 1: The Home Stretch

    • Part 2: Katalyst Kampus Final-Check For Understanding

    • Part 3: Some Final Tips, Tricks & Resources - Part 1

    • Part 4: Some Final Tips, Tricks & Resources-Part 2

    • Part 5: Some Final Tips, Tricks & Resources Continued - Part 3

    • Part 6: Money Mission & Final Statement

  • 13

    Resources

    • Course Documents