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POLICY & PROCEDURES 2024

Elevating Loan Officers to achieve their highest potential through unwavering support, strategic development, and a lending platform built for growth, excellence, and impact.

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Training calendar

1
2
8:00 AM
Arive: Setup & Foundation
+1 more
3
11:15 AM
Broker Spotlight
4
11:00 AM
Intro to Lending & Pricing
5
11:15 AM
Dialing for Dollars: Lead Generation Systems That Work
6
10:00 AM
C21 Masters Orientation
7
8
9
8:00 AM
Arive: Loan Application & Core Functionality
+1 more
10
11:15 AM
Agent Lending Training
11
11:00 AM
Lender-Paid Pricing
12
10:00 AM
Monthly Connect
+1 more
13
10:00 AM
C21 Masters Orientation
14
15
16
8:00 AM
Arive: Advanced Functionality
+1 more
17
11:15 AM
Broker Spotlight
18
11:00 AM
Borrower-Paid Pricing
19
11:15 AM
Leverage the Team Built for You
20
10:00 AM
C21 Masters Orientation
21
22
23
8:00 AM
Arive: Submitting a Complete Loan
+1 more
24
11:15 AM
Agent Lending Training
25
10:00 AM
Mastering Transactions: C21 Commercial Tools & Training
+1 more
26
11:15 AM
CRM Mastery: Follow Up Boss Engagement & Best Practices
27
10:00 AM
C21 Masters Orientation
28
29
30
3:30 PM
Legal Eagle with Cindy
31
1
11:00 AM
Intro to Lending & Pricing
2
3
10:00 AM
C21 Masters Orientation
4
5
6
8:00 AM
Arive: Setup & Foundation
+1 more
7
11:15 AM
Broker Spotlight
8
11:00 AM
Lender-Paid Pricing
9
10:00 AM
Monthly Connect
10
10:00 AM
C21 Masters Orientation
11
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From Application to Submission

Everything You need to hit the ground running

Lender List
 

Our comprehensive lender list to have all your key contacts, loan programs, and guidelines at your fingertips.

Correspondent Cheat Sheet

A quick-reference guide summarizing key guidelines, requirements, and processes for selling loans to a correspondent investor.

Submission Cheat Sheet

A concise reference that outlines all the required documents, forms, and steps a lender needs to process a loan application efficiently.

Processing A-z
 

A step-by-step guide that walks a loan from initial application through underwriting to closing, covering every task and tech along the way.

Connect with lending leadership

Modern Office

Essential Tools & Systems

Resources That Power Your Production, Designed for How You Actually Work

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Follow Up Boss

Your command center for leads, follow-ups, and client communication. Automate smart follow-up and stay in control of your pipeline.

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Arive

Simplify the lending process with a seamless digital application, easy document uploads, and clear loan status tracking for agents and clients.

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Advantage Credit

A trusted credit platform that helps identify opportunities, monitor changes, and support smarter lending decisions.

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marketing

Custom-branded done-for- you marketing at the click of a button. With a 24-48 hour turn-around time, to get you back to doing what you do best. 

MORTGAGE CALCULATORS

BASIC MORTGAGE
CALCULATOR

INTEREST ONLY
CALCULATOR

BLENDED RATE
CALCULATOR

HOW MUCH CAN I AFFORD?

Desk Essentials

Marketing at Your Fingertips

Pre-designed flyers and social posts you can download, customize, and use today.

Flyers

Social Media Posts

Seasonal Campaigns

Place a marketing request

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Mortgage education made easy

INTERESTED IN BECOMING AN MLO?

Start your mortgage education now with the CE Shop. 

Become an MLO

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Office Hallway

1

START THE LICENSING PROCESS

To start your career as a mortgage loan officer, you’ll need to start by completing at least 20 hours of Nationwide Mortgage Licensing System (NMLS)- approved pre-license education. Mortgage Educators and Compliance or other approved training administrators can help you fulfill this requirement online, no matter which state you plan to work in.

Click Here to sign up for the online education courses. During this course, you will be prompted to create your NMLS account. 

3

SUBMIT YOUR LICENSE APPLICATION

After completing your pre-licensure education and passing your SAFE MLO Test, you’ll need to submit your application (Form MU4) and processing fees to the NMLS. You’ll also need to clear a credit check and a criminal background check to qualify. Be sure to coordinate with your employer if you’re already working with one — they may assist you with completing your MU4 form.

5

CONNECT WITH OUR BROKERAGE

After you have completed the previous four-steps, Blake Corkill and Eddie Cisneros will work with you to introduce you to 21st Century Lending and onboard you to the brokerage.

2

STEP 2: TAKE THE TEST

The Secure and Fair Enforcement (SAFE) for Mortgage Licensing Act of 2008 requires mortgage loan officers to pass the national SAFE MLO Test, which includes both federal and state specific content, to satisfy testing requirements for each state. Once you’ve registered and paid for your test enrollment with the NMLS, you can schedule your test with Prometric. Exam results are available on the NMLS database after 72 hours.

4

SET YOUR STATUS

The last step is to log into your NMLS account and request “Approved-Inactive” status for licensing. This status shows that you’re not currently employed as a mortgage loan originator and meet all the other requirements. Once you’re hired, your company can submit a sponsorship request with the NMLS and this “Inactive” status will be removed.

6

CONNECT WITH PARTNERS

As an independent mortgage professional, you have access to a multitude of resources exclusive for the wholesale mortgage industry. Our brokerage works with designated wholesale lenders, so be sure to connect with them to hit the ground running with the cutting-edge tools, technology and training they offer to ensure your success. And join industry trade organizations like AIME (Association of Independent Mortgage Experts) to connect with the community of mortgage professionals across the country.

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