Inclusiv's High-Impact Mortgage Lending course is a 6-unit online course for credit unions looking to expand homeownership in low- and middle-income communities, including accessible lending products. This self-paced course is capped with a live, interactive workshop led by Inclusiv Mortgage experts, and gives participants access to technical assistance. By the end of the course, you’ll identify concrete ways to adapt a high-impact program into your mortgage business. 

In this course, you'll work through videos, exercises, and documents each week on your own time and join recommended weekly office hours with Inclusiv's Director of Mortgage, Bob Mundy. The only mandatory live component is a final capstone workshop, where you'll work with Bob and fellow credit unions to identify your mortgage program's next steps.

Who Should Register

The HIML training is best for credit unions that: 

• Have an existing mortgage lending program (This course will not teach you how to start a mortgage business from scratch) 
• Can enroll 2-3 staff members across the following roles: CEO, Chief Lending Officer, Director of Lending, Loan Officer, Mortgage Loan Officer, Community Development or Member Services
• For better outcomes, it’s desirable that each participating CU enroll at least one senior decision-maker with authority over lending strategy, policies, or resource allocation.  
• Can commit 2-4 hours per week for classwork, assignments, and the development of an implementation plan for the credit union. 

Gain New Skills

In this training course, participants will:  

1. Define the basic components of mortgage lending programs, such as property types, mortgage types, underwriting basics, and risk pricing.
2. Identify the opportunities, stakeholders and actors involved in the implementation or expansion of a high-impact mortgage lending program in their CDCUs.
3. Explain the NCUA’s regulatory framework for mortgage lending programs.
4. Describe the key steps in the implementation of full-cycle mortgage lending, focused on low- to middle-income communities and the property types that meet their needs best.
5. Recognize and evaluate opportunities to implement credit enhancements, financial counseling, and secondary market options in lending strategies.  
6. Use appropriate processes and workflow to apply in-depth review of alternative documentation in compliance with regulatory frameworks.  
7. Develop a Program Analysis for growing a High-Impact Mortgage program, tailored to their own credit union’s needs.