Hard Skills
AdvancedMortgage Product KnowledgeIn-depth understanding of various loan instruments including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans to guide clients.
AdvancedRegulatory Compliance (TRID/RESPA)Adherence to federal and state lending laws such as the TILA-RESPA Integrated Disclosure and the Fair Housing Act.
IntermediateFinancial Analysis and Credit EvaluationThe ability to interpret credit reports, debt-to-income ratios, and financial statements to assess borrower risk.
IntermediateLoan Origination System (LOS) ProficiencyTechnical skill in using software platforms like Encompass or Calyx to process and manage loan applications.