Go from zero to job-ready loan processor
Learn every step of the residential mortgage file — from application intake to closing day funding — using the real workflows, compliance rules, and document analysis skills lenders actually hire for.
"I built this course so you could walk into your first processor role knowing exactly what to do with a real file — not just knowing the vocabulary."— Tamairo Moutry
What you'll learn
What you'll be able to do
- Process a residential mortgage loan file end-to-end — from application intake through closing disclosure — using real lender workflows
- Accurately collect, organize, and review borrower documentation including income, asset, credit, and title packages
- Analyze pay stubs, W-2s, tax returns, and bank statements to calculate qualifying income and flag red flags for underwriters
- Interpret AUS findings from Desktop Underwriter (DU) and Loan Product Advisor (LPA) and track all prior-to-close conditions to clear
- Apply SAFE Act compliance rules to distinguish clearly between tasks an unlicensed processor may perform versus those requiring a licensed MLO
- Enter the job market confidently with a polished pipeline management process, professional communication templates, and a complete loan file portfolio
How it works
A school that adapts to you
This isn't a set of static videos. Every lesson is generated live and tuned to where you actually are.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
15 modules · 65 lessons
Introduction to the Mortgage Industry
Establishes the foundational knowledge every loan processor needs before touching a file. Students learn how the U.S. mortgage ecosystem is structured, who the key players are, how money flows from origination to the secondary market, and the essential vocabulary used throughout the course and on the job.
- 1.1How the U.S. Mortgage Industry WorksIncluded
- 1.2Types of Mortgage Lenders and ChannelsIncluded
- 1.3Key Players in a Mortgage TransactionIncluded
- 1.4The Language of Mortgage: Core TerminologyIncluded
Mortgage Products
Gives processors a working knowledge of every major loan product type so they can collect the correct documentation, apply the right guidelines, and anticipate AUS requirements for any file that lands on their desk. Sequenced before the loan process lessons so students understand what they are processing before learning how.
- 2.1Conventional Loans: Conforming and Non-ConformingIncluded
- 2.2Government Loan Programs: FHA, VA, and USDAIncluded
- 2.3Specialty and Niche Loan ProductsIncluded
- 2.4Matching Borrowers to the Right Loan ProductIncluded
The Loan Process from Application to Closing
Maps the complete end-to-end mortgage workflow in sequential order. This module serves as the master process roadmap that all subsequent modules build upon. Students will be able to place any task they learn later into the correct stage of the loan lifecycle.
- 3.1Loan Application and Initial DisclosuresIncluded
- 3.2Processing: Ordering, Collecting, and OrganizingIncluded
- 3.3Underwriting Submission and ReviewIncluded
- 3.4Clear to Close, Closing Disclosure, and FundingIncluded
- 3.5Post-Closing and File DeliveryIncluded
Loan Processor Roles and Responsibilities
Defines the processor's professional identity, daily workflows, communication standards, and organizational systems. Bridges industry knowledge to job performance by showing students exactly what the role looks and feels like in a real lending environment.
- 4.1The Loan Processor's Job DescriptionIncluded
- 4.2Pipeline Management FundamentalsIncluded
- 4.3Professional Communication for Loan ProcessorsIncluded
- 4.4Time Management and Organization SystemsIncluded
Licensed vs. Unlicensed Loan Processor Responsibilities
The compliance cornerstone of the course. Clearly delineates the SAFE Act boundary between what an unlicensed processor may independently perform and what requires a licensed MLO. Covers NMLS, state variation, supervision requirements, and real-world scenarios to ensure students never inadvertently cross the line.
- 5.1The SAFE Act: Overview and PurposeIncluded
- 5.2What Unlicensed Processors May and May Not DoIncluded
- 5.3State Licensing Variations and the NMLSIncluded
- 5.4Company Policies, Supervision, and Compliance CultureIncluded
Mortgage Compliance and the SAFE Act
Builds the full regulatory literacy every processor needs to handle files lawfully and protect their employer. Covers RESPA, TILA/TRID, fair lending laws, AML, privacy, and professional conduct standards. Complements the SAFE Act module with the broader compliance framework that governs every loan transaction.
- 6.1RESPA: The Real Estate Settlement Procedures ActIncluded
- 6.2TILA and TRID: Loan Estimates and Closing DisclosuresIncluded
- 6.3Fair Lending: ECOA, FHA Act, and HMDAIncluded
- 6.4AML, Privacy, and Data Security in Mortgage ProcessingIncluded
- 6.5Advertising, Social Media, and Processor ConductIncluded
Document Collection and Review
Teaches processors exactly what documents to collect, in what order, and how to review them for completeness, consistency, and authenticity. This module is the operational core of daily processing — every loan file passes through these steps.
- 7.1The Loan File Stacking OrderIncluded
- 7.2Identity, Application, and Preliminary DocumentsIncluded
- 7.3Income Documents: What to Collect and WhyIncluded
- 7.4Asset and Property DocumentsIncluded
- 7.5Document Review for Authenticity and Red FlagsIncluded
Income Analysis
One of the most technically demanding processor skills. Students learn to calculate qualifying income from every source type, apply GSE and agency guidelines, and flag red flags for underwriters. Sequenced after document collection because students must know what documents they are analyzing.
- 8.1Income Analysis Fundamentals and Gross vs. NetIncluded
- 8.2Salaried and Hourly Income CalculationIncluded
- 8.3Commission, Bonus, and Variable IncomeIncluded
- 8.4Self-Employment Income AnalysisIncluded
- 8.5Other Income Types: Rental, Retirement, Social Security, and MoreIncluded
Asset Verification
Teaches processors to verify that borrowers have sufficient funds to close and meet reserve requirements, and that all funds come from acceptable, documented sources. Covers every asset type and the documentation chain needed to satisfy AUS and underwriting requirements.
- 9.1Types of Assets and Acceptable Sources of FundsIncluded
- 9.2Bank Statement Review and Large Deposit AnalysisIncluded
- 9.3Gift Funds: Documentation and ProcessingIncluded
- 9.4Reserves, Retirement Accounts, and Asset DepletionIncluded
Credit Report Analysis
Develops the processor's ability to read, interpret, and act on a tri-merge credit report. Credit analysis underpins DTI calculation, AUS eligibility, and a significant portion of underwriting conditions. Processors who master this skill dramatically reduce conditions per file.
- 10.1Understanding the Tri-Merge Credit ReportIncluded
- 10.2Tradelines, Derogatory History, and Credit DepthIncluded
- 10.3Debt-to-Income Ratio (DTI) CalculationIncluded
- 10.4Credit Exceptions, Explanations, and LOE RequestsIncluded
Automated Underwriting Systems: DU and LPA
Provides comprehensive, hands-on training in the two dominant AUS platforms used in U.S. residential mortgage lending. Students learn to interpret findings, understand eligibility decisions, identify documentation requirements generated by AUS, and resubmit files after changes. Prerequisite knowledge from income, asset, and credit modules is now applied.
- 11.1What Is an AUS and How Does It Work?Included
- 11.2Reading a Desktop Underwriter (DU) Findings ReportIncluded
- 11.3Reading a Loan Product Advisor (LPA) Findings ReportIncluded
- 11.4Acting on AUS Findings and ResubmissionIncluded
Conditions and Underwriting
Teaches processors to work effectively with underwriters by understanding how loan files are reviewed, what types of conditions are issued, and how to efficiently collect, review, and clear conditions to reach a timely CTC. This module is where processing skill directly drives business results.
- 12.1How Underwriters Review a Loan FileIncluded
- 12.2Types of Underwriting ConditionsIncluded
- 12.3Clearing Conditions: Collecting, Reviewing, and ResubmittingIncluded
- 12.4Appraisal Review and Collateral ConditionsIncluded
Title, Escrow, and Closing
Covers the title and settlement side of the transaction — the area where many new processors feel least prepared. Students learn to review title commitments, work with escrow agents, coordinate the Closing Disclosure, and manage the closing and funding process from the processor's vantage point.
- 13.1Title Insurance: Commitments, Exceptions, and PoliciesIncluded
- 13.2Escrow: How It Works and the Processor's RoleIncluded
- 13.3The Closing Disclosure: Preparation and DeliveryIncluded
- 13.4Closing Day Coordination and FundingIncluded
Mortgage Technology and CRM Systems
Ensures students are prepared for the technology-driven reality of modern mortgage processing. Covers the LOS, document management, e-signature platforms, AUS portals, CRM tools, and productivity software. Includes hands-on exercises with real platform interfaces where possible.
- 14.1The Loan Origination System (LOS)Included
- 14.2Document Management and e-Signature PlatformsIncluded
- 14.3AUS Portals: DU, LPA, and TOTAL ScorecardIncluded
- 14.4CRM Systems, Pipeline Tools, and Productivity SoftwareIncluded
Career Preparation and Job Readiness
Transforms course knowledge into career action. Students build every professional asset they need to enter the job market confidently: a mortgage-specific resume, a LinkedIn profile, a loan file portfolio, interview preparation, and a 90-day success plan. This module is sequenced last to leverage all preceding knowledge.
- 15.1Building a Mortgage-Specific Resume and LinkedIn ProfileIncluded
- 15.2The Mortgage Job Search: Where and How to Find PositionsIncluded
- 15.3Interview Preparation and the Mortgage InterviewIncluded
- 15.4Building Your Loan File Portfolio and Professional BrandIncluded
- 15.5Thriving in Your First 90 Days as a Loan ProcessorIncluded
Who it's for
Is this you?
Career Changers
You're done with your current field and ready to move into a stable, skilled profession — this course gives you the full foundation mortgage employers actually expect.
Virtual Assistants
You already support professionals remotely and want to specialize in mortgage processing — a high-value niche where your organization skills translate directly.
Entry-Level Processors
You landed your first processing role or are actively applying — fill the gaps, get fluent in income analysis and AUS, and hit the ground running on day one.
Licensed MLOs
You originate loans but want a processor's-eye view of the file so you submit cleaner packages, clear conditions faster, and close more deals.
Administrative Professionals
You work in a real estate or financial services office and want to level up into mortgage processing — a role that pays more and rewards the detail-oriented skills you already have.
Mortgage Industry Re-Entrants
You worked in mortgage years ago and are coming back — use this course to refresh your knowledge, get current on TRID and AUS systems, and re-enter the market with confidence.
Questions
Frequently asked
Your teacher
A note from your teacher
Tamairo Moutry
If you've been trying to break into mortgage processing and keep hitting the same frustrating loop — every job wants experience, but nobody will give you a shot to get it — I want you to know that I see you, and I built this course specifically to close that gap.
I've spent years working in residential mortgage, and I can tell you exactly what separates the processors who get hired and thrive from the ones who stay stuck: it's not a license, it's not a degree, and it's not knowing the right people. It's knowing how a real loan file moves — what to collect, what to flag, how to read an AUS report, how to clear a condition, how to communicate with an underwriter so the file keeps moving instead of sitting in a queue. That operational knowledge is what Loan Processor Pro teaches you, step by step, the way I'd walk a new hire through their first files.
Every module in this program reflects something you will actually encounter on the job. We go deep on income analysis — salaried, hourly, commissioned, self-employed, rental, retirement — because income is where most new processors get stuck and where underwriters need you to be precise. We cover the tri-merge credit report, DTI calculations, bank statement review, large-deposit analysis, gift fund documentation, and AUS findings from both Desktop Underwriter and Loan Product Advisor, because those are the skills that fill your day. And we do all of it inside a compliance framework — RESPA, TRID, the SAFE Act, Fair Lending — so you always know exactly what lane you're in.
I also want to be honest about something most training programs skip: compliance isn't just a checkbox. Knowing what an unlicensed processor can and cannot do under the SAFE Act protects you, your employer, and your borrowers. We cover it thoroughly — not to scare you, but to make you the kind of professional that any lender, broker, or bank would trust with their pipeline.
By the time you finish, you won't just understand mortgage processing — you'll be ready to do it. You'll have a loan file portfolio, professional communication templates, a pipeline management system, and a clear plan for finding your first role and succeeding in your first 90 days. That last part matters to me. Getting the job is just the beginning; I want you to walk in on day one feeling prepared, not overwhelmed.
If you're a career changer, a virtual assistant ready to specialize, an administrative professional who wants to move into a higher-value role, or a licensed MLO who wants to understand what your processors are doing — come learn with me. The seat at that processor's desk is closer than you think.
— Tamairo Moutry
Start your journey today
Join get instant access — learn at your own pace with an AI coach in your corner.
$197/mo
Recurring billing · cancel anytime
Secure checkout · Instant access
- 15 modules, 65 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed