Cornerstone Mortgage Group, Inc
(973) 917-3158




Realtor CE Classes

Exploring Non-QM Loans
Course Reference Number:C20205764
CE Credit: 1 Elective Credit

Course Description: In today’s dynamic real estate market, understanding the full spectrum of mortgage options is essential for realtors looking to better serve their clients. This class focuses on Non-Qualified Mortgages (Non-QM), exploring their features, benefits, and how they can be effectively leveraged to assist buyers who may not fit traditional lending criteria.


  • Understand Non-QM Basics: Gain a comprehensive understanding of what Non-QM mortgages are and how they differ from Qualified Mortgages (QM).

  • Identify Target Clients: Learn to identify clients who can benefit from Non-QM options, including self-employed individuals, investors, and those with unique financial situations.

  • Explore Loan Types: Familiarize yourself with various Non-QM loan products, such as interest-only loans, bank statement loans, and asset-based income loans.

  • Assess Risks and Benefits: Understand the advantages and potential risks associated with Non-QM mortgages, including interest rates and borrower qualifications.

  • Develop Marketing Strategies: Learn effective strategies to market Non-QM lending options to your clientele, enhancing your service offerings and expanding your client base.

Exploring Mortgage Underwriting Basics
Course Reference Number: C20205765
CE Credit: 1 Elective Credit

Course Description: This comprehensive class is designed to equip realtors with a thorough understanding of mortgage underwriting processes, enhancing their ability to guide clients through the home-buying journey. With a focus on the critical role underwriting plays in mortgage approval, participants will learn the essential criteria lenders use to assess loan applications.


  • Fundamentals of Mortgage Underwriting:
    - Understand the mortgage underwriting process and its significance in real estate transactions.
    - Familiarize with key terms and concepts, including loan-to-value ratio, debt-to-income ratio, and credit scores.

  • Underwriting Guidelines:
    - Learn about the various types of mortgage products and their specific underwriting requirements.
    - Explore government-backed loans (FHA, VA, USDA) versus conventional loans.

  • Risk Assessment:
    - Gain insights into how underwriters evaluate borrower risk and property value.
    - Understand the importance of documentation and how to assist clients in providing necessary information.

Real Estate Investor Basics
Course Reference Number: C20205766
CE Credit: 1 Elective Credit

Course Description: Dive into the fundamentals of real estate investing with our targeted course designed for realtors. This program will equip you with the essential knowledge and practical skills to effectively guide clients in their investment journeys, enhancing your value as a trusted real estate professional.

  • Understand Investment Fundamentals: Gain a solid grasp of real estate investment concepts & terms.

  • Financing Options: Explore various financing methods available to real estate investors, including traditional loans, private financing, and creative financing strategies.

  • Risk Assessment: Develop the ability to identify and evaluate risks associated with real estate investments, equipping you to advise clients on how to mitigate them.

  • Investment Strategies: Understand different strategies, such as buy-and-hold, flipping, and rental properties, to help clients choose the best path for their financial goals.

  • Client Guidance: Learn how to communicate complex investment concepts in an accessible manner, empowering clients to make informed decisions.