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Description
Certified FHA Manual Underwriter (NAMU®-CFMU)Need Help? Call us today toll free at 1 800 865 8550 Press 1 for Sales The Federal Housing Administration (FHA) back in 2014 issued new guidelines for lenders who manually underwrite FHA backed mortgage loans. The new underwriting requirements are intended to encourage lenders to use what FHA described as a defined set of objective standards and compensating factors to make responsible, risk based underwriting decisions. The Agency said the new rules
Need Help? Call us today toll-free at 1-800-865-8550 Press 1 for Sales
The Federal Housing Administration (FHA) back in 2014 issued new guidelines for lenders who manually underwrite FHA-backed mortgage loans. The new underwriting requirements are intended to encourage lenders to use what FHA described as a defined set of objective standards and compensating factors to make responsible, risk-based underwriting decisions. The Agency said the new rules should also increase the pool of eligible borrowers. Most FHA-insured loans are approved through automated underwriting systems that score applications using FHA's TOTAL Mortgage Scorecard. However, when a "refer" is issued or when borrowers were not scored because they do not have credit scores, manual underwriting will allow the use of compensating factors to help borrowers qualify for loans outside of automated standards -- placing a greater emphasis on the need to learn how to manual underwrite FHA files.
In response to these new guidelines, NAMU® offers a comprehensive "professional development" training & certification program entitled: Certified FHA Manual Underwriter (NAMU®-CFMU), which includes (4) FHA underwriting training classes.
INCLUDES (4) RECORDED WEBINARS:
- Due Diligence - "Learn Manual Underwriting"
- Case File Underwriting Review - "FHA/VA Loans"
- FHA/VA Underwriting - "For Underwriters"
- Multi-Family Underwriting & Processing - “FHA/VA Loans”
- Download CFMU Brochure >>
NAMU®-CFMU® CERTIFICATION DETAILS:
- (4) Mortgage Underwriting Webinars
- 2-3 Weeks to Initially Complete
- 1-Year Unlimited 24/7 Access
- Includes: Certified FHA Manual Underwriter (NAMU®-CFMU)
- Instructor-Led Online Recorded Webinars – Watch 24/7 On-Demand
- All Course Materials Downloaded as PDF Files
- Course Provider: CampusMortgage® (Our Training Division)
- Source Links Included – Get Further Clarity & Updates
- Ongoing “Concierge” Customer Support for 1 Year
- Group Discounts Also Available
- Download CFMU Brochure >>
FREQUENTLY ASKED QUESTIONS…
- HOW IT WORKS: As soon as you enroll, we will email you the links/passwords to the Instructor-Led Online Webinars & Course Materials, so you can start taking the training IMMEDIATELY.
- WHO SHOULD ATTEND: Aspiring FHA mortgage underwriters wishing to learn manual underwriting, from A to Z. Whether you're unemployed and looking to enter the mortgage underwriting profession, or you're currently working at a bank or lender as an underwriter, this FHA manual underwriting certification program will provide the skills you need to succeed as an effective FHA manual underwriter. Also ideal for underwriting managers looking to train their existing staff on proven FHA manual underwriting principles.
- ABOUT THE INSTRUCTOR: Each CampusMortgage® instructor has an average of 15+ years of prior mortgage related experience. Each instructor also draws from a different knowledge base that may include such areas as: mortgage underwriting, loan processing, FHA, VA, Conventional loans, Commercial lending, USDA Rural Housing Loans and more.
-
EXAM FORMAT: The exam is a timed 1-hour open-book online "proctored" (via WebCam) 30-question exam (multiple choice/true & false). You must get 75% or higher to pass exam. NOTE: You may also re-take the exam up to 3 times.
-
GRADUATION: Upon passing the exam, you will be issued your NAMU®-CFMU certificate as a PDF File.
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IMPORTANT DISCLAIMER: We are not owned, operated or affiliated with HUD, FHA, VA or the State/Federal Government in any way. The NAMU®-CFMU certification will not provide a student with a CHUMS # -- the student will still need to get sponsored by a lender in order to become an FHA DE Underwriter.
- REFUND POLICY, CERTIFICATION HANDBOOK & TERMS OF USE: Before purchasing any NAMU® certification program, we recommend you thoroughly read our Refund Policy, Certification Handbook & Terms of Use — which you will be required to have fully read & accepted prior to beginning the certification process.
Need Help? Call us today at 1-800-865-8550 Press 1 for Sales
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4.4 ★★★★★
Based on 24 reviews
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Product Reviews
★★★★★ 5
One of the most poignant books I have read in a long time.
Format: Paperback
One of the most poignant books I have read in a long time.
“Southern communities, lawmakers, and courts recognized slave-owning women as individuals able to acquire and exercise mastery over enslaved people, s is evident from laws passed throughout the South. Laws dating back to the colonial period routinely recognized the mistresses owned enslaved people in their own right, and these same laws acknowledged the fact that these women were capable of exercising mastery over the enslaved people they owned.” Stephanie E. Jones - Rogers.
They were referred to as Southern Belles’. Revered for their ladylike daintiness. But… there was nothing dainty about their dealings for they too, owned human property. These white southern mistresses were heavily involved and often owned more property than their male counterparts even being the breadwinners. These women were barbaric and wore the crown of cruelty.
Dr. Rogers gave the enslaved a voice in this text – allowing our ancestors to share with us their story and experiences under the thumb of white mistresses. This text uncovers the extent of the involvement that white women had with slave ownership. There was discord in marriages due to white women struggles to maintain control of their financial gains of human property. These women utilized the judicial system to protect their pecuniary interests. The parents of these white girls/women bequeathed slaves to white females i.e. as young as newborns – which leads us to mistresses in the making – that is the education of young white women of the mastery of slave ownership. My heart broke as I was able to envision the accounts of atrocities inflicted upon our ancestors. Our people were raped and forced into being breeders and wet nurses to ensure the livelihood of these white mistresses and their families. The evidence is insurmountable in all the ways slave-owning women invested in, and profited from their financial ties to American slavery and its marketplace. Most importantly, there was testimony from formerly enslaved people of their experiences within slavery. This text is a mandatory read for all and in my opinion, must be included as part of the curriculum in schools.
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Reviewed in the United States on October 16, 2020
★★★★★ 5
Slave Trade was not only a White Man's Affair
Format: Kindle
The book is an excellent read particularly in today's climate. Why 53% of white women would put a vile man in office is explained in the pages of this book. White women held positions of power in the America slave trade, a fact overlooked in history. These southern bell's represented as the gold standard of woman hood in the antebellum south were anything but, and they for the most part showed as much, business savvy as down right cruelty in the slave trade. They benefited in every conceivable way from this free labor market. They were no advocates for the kind humane treatment of slaves. In many cases they were as vicious as their counterpart and just as committed to a keeping Blacks marred in the system of bondage. They are in most cases depicted as silent partners and where that might be the case many white women had full command and knowledge of the value of a slave they invested in and they wanted a hefty return. In fact they used every means on the table to keep these black, men, women and children bound to their wealth creation. These co-conspirators had more than a hand in the cookie jar, they enjoyed the power and did not hesitate to support the maintenance of this inhumane institution.
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Reviewed in the United States on April 24, 2019
★★★★★ 5
Excellent book, not only for lawyers or law students
To begin with, I am neither a lawyer, a law student, nor even a prospective law student. I am, however, someone who has always been interested in the law, primarily for two reasons. First, the law is the principal formal means a society uses to try to resolve conflict among the society's members. Second, and closely related to the first reason, the sum shape, both of content and procedure of the law, is an expression of exactly what a society's values are and the goals a society sets for itself or the standards by which it ideally wishes to be judged.
I found this book to be excellent, informative, well written, and even at parts entertaining. Although meant as a guide for law students to use to prepare for the strenuous exams that are associated with each course they will take in law school, the book provides much, much more, and hence my belief that it can profitably be read by a far larger readership than its ostensible audience. One of the key elements stressed throughout, and exemplified by numerous enlightening examples, is that there usually is no one correct answer to any given legal question. Arguments can be made on at least two sides of any matter based upon, for example, a "plain reading" of the text of a relevant law and the reasonably understandable intent of those who made the law (e.g., a legislature). The authors bring out clearly such sources of legal precedent as laws, government regulations, individual case law decisions by judges, common law, government policy, and specific codes (e.g., the Uniform Commercial Code, or UCC) and show how differing results to a case can readily come about based upon arguments using the different sources to bolster respective cases.
In reality, although by minimal definition a book designed, as said above, to prepare for the taking of law school tests, the book actually also is a good guideline on how to think (not necessarily what to think) about many larger issues in society, including politics and policy issues of all sorts.
Finally, the first two thirds of the book discuss ways to think about the wide range of questions that can be posed to aspiring lawyers and introduces the reader to understanding such distinctions as "forks in the law" and "forks in the facts" (a quite useful distinction to keep in mind). The final part of the book provides solid test taking strategies that are applicable to a wide range of academic testing (e.g., answer the question the professor actually asked and avoid wasting time or effort on ancillary matters not really germane to helping to resolve the issue.) Although some of these may seem obvious once read, the tips are the type of thing that, under pressure of exams, many students often forget to apply.
In sum, I highly recommend this book to those interested in life in the modern world.
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Reviewed in the United States on August 29, 2015
★★★★★ 5
Must read for 1L or Incoming Law Student! So helpful!!!
Format: Paperback
Any 1L or incoming law student needs to read this book! So, I took the BARBI Law Preview before law school began to get an overview of what law school was like and a heads up on how to do things. During this program I had read just two chapters of the book- and these two chapters alone put me in a crucial mind frame to understand the importance of what your professors are looking for. It is not just about distinguishing the right issues and facts, because there is truly no such thing, but distinguishing both sides of an issue, and of course you have to read the book to get more info, but I feel like it has helped me understand what success sounds like in exams. I am only going into my third week of 1L, but I can tell the book has given me a leg up. I recommend that you read this book before you start, or in the first two weeks (though you'll be burdened with a lot of reading then- so before is best) so you can get into the mindset, instead of doing it right before exams and feeling like you have to rewire your brain to everything you thought you understood.
I guess I'll have to update you guys once I see my exams, but so far so good!
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Reviewed in the United States on September 4, 2015
★★★★★ 4
Must-Have for Law Students
Format: Paperback
This is a good book. A lot of the trouble with law school exams is law professors are notoriously bad teachers, and these bad teachers write bad exams. Granted, this is a worst-case scenario, but if you've been to law school for more than one semester, there's a good chance that at least one of your professors has utterly bamboozled you into how he/she wants the final written. So what this book does is give you something of a blueprint and a method of examining fact patterns and exploring the question(s) so that you can simply go into the exam and take it without much fear.
Where the book fails to be of help though, is with the IRAC method. I wholeheartedly agree that IRAC is a too-constrictive method of writing that tends to inhibit most students from really expressing what they know. Law professors largely want a mechanical recitation of rules followed by mechanical analysis, so law students spend hours and hours memorizing rules with the ultimate purpose of using them in an IRAC format. It's absurd, but that's the way it is. And this book simply dismisses the fact that lazy law professors love IRAC for the fact that it gives them a template from which they can read and score exams quickly.
But still, you can construct an IRAC using this method, it just doesn't lend itself seamlessly to it, which is pathetic--not with respect to GTM, but to the teaching and testing methods used by professors. If you don't believe me, and if you haven't already done so, go look at model bar answers from your state and see if they employ a rigid IRAC formula. They don't. And so to me, that's what this book was good for--being able to write bar exam quality answers that leave room for a different writing styles and methods of analysis.
If you're just starting law school, buy this book. If you're already in and still struggling, buy this book. If you're the king or queen of fastidious, multiple, anally retentive headers on your exams, read this book and go look at bar answers.
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Reviewed in the United States on June 22, 2016
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