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      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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      <image:caption>NAMB is excited to launch its CREV certification course with partner Liberty Reverse Mortgage. Confidently add reverse mortgages to your product mix! libertyreverse.com</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>NAMB U: Courses - . - The ABCs of Mortgage Origination</image:title>
      <image:caption>The ABCs of Mortgage Origination is a 16-hour course aimed at the new mortgage loan originator or the seasoned MLO looking to brush up on their origination skills and knowledge. This course provides a wide array of loan origination knowledge including: Federal Law Review Primary Mortgage Market vs. Secondary Mortgage Market Types of Financing Pre-Qualification / Pre-Approval Credit Scoring Appraisal Loan Application The Loan Approval Process Settlement Title Insurance Insurance Servicing and more! In addition to covering the course material, this course includes masterclasses featuring education partners providing in-depth product overviews and technical training. Following the completion of this course, a 100 question test will be given and, if passed, the attendee will receive their General Mortgage Associate (GMA) designation!</image:caption>
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    <lastmod>2023-05-09</lastmod>
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      <image:title>NAMB U: Courses - The ABCs of Mortgage Origination - The ABCs of Mortgage Origination</image:title>
      <image:caption>The ABCs of Mortgage Origination is a 16-hour course aimed at the new mortgage loan originator or the seasoned MLO looking to brush up on their origination skills and knowledge. This course provides a wide array of loan origination knowledge including: Federal Law Review Primary Mortgage Market vs. Secondary Mortgage Market Types of Financing Pre-Qualification / Pre-Approval Credit Scoring Appraisal Loan Application The Loan Approval Process Settlement Title Insurance Insurance Servicing and more! In addition to covering the course material, this course includes masterclasses featuring education partners providing in-depth product overviews and technical training. Following the completion of this course, a 100 question test will be given and, if passed, the attendee will receive their General Mortgage Associate (GMA) designation!</image:caption>
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      <image:title>NAMB U: Courses - Certified Mortgage Consultant - Certified Mortgage Consultant (CMC)</image:title>
      <image:caption>NAMB's most advanced credential for mortgage professionals who want to demonstrate the highest level of professionalism. The Certified Mortgage Consultant (CMC® ) certification exam measures the knowledge of mortgage professionals who have been in the industry for at least five years. NAMB created the Certification as a way for mortgage professionals who have established themselves within the industry to validate their achievements. The CMC® exam is open to NAMB members and non-members. If you’re applying for this exam and are NOT a NAMB member, please send an email to namb@namb.org to find out how you can join.</image:caption>
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    <lastmod>2021-05-01</lastmod>
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      <image:title>NAMB U: Courses - General Mortgage Associate - General Mortgage Associate (GMA)</image:title>
      <image:caption>The GMA® is an entry-level certification exam designed as a basic national credential for new residential mortgage professionals. Earning the GMA® signifies that an individual has demonstrated the minimum level of knowledge required to enter the residential mortgage profession. The exam tests the candidate’s knowledge of ethics, rules and regulations of the mortgage industry, the roles and organizations involved in the industry, and the types of products and services offered. While the exam measures a candidate’s basic knowledge of the mortgage industry, it does not measure skills or knowledge that would be gained by on-the-job experience. This exam is open to NAMB members and non-members. If you’re applying for this exam and are not a NAMB member, please visit www.namb.org to find out how you can join.</image:caption>
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    <lastmod>2023-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/604a5b7f0547be5895754a7b/1615673286152-PXST20DIYW1S7HYB6UJD/NAMB_CreditSpecialist_Color.jpg</image:loc>
      <image:title>NAMB U: Courses - Certified Credit Specialist (CCS) - Certified Credit Specialist (CCS)</image:title>
      <image:caption>Gain a market advantage as we take a deep dive on structures of credit scoring. Perform professional in-depth, credit analysis Educate you to educate your customers Differentiate yourself by learning better pricing Understand how reason codes impact score and price Demonstrate mastery of credit review Gain knowledge of how trended credit data affects files Reduce touches on files and improve turn-times Eliminate conditions Immediately following the class, a test will be given and, upon passing, you will be presented with your certification and all the marketing materials that you need to promote yourself!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.namb-u.com/courses/cvls</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/604a5b7f0547be5895754a7b/1615672582478-OVZJ3987LMTPBSA7TX3O/CVLSLogo.v3a.Color.png</image:loc>
      <image:title>NAMB U: Courses - Certified Veterans Lending Specialist (CVLS) - Certified Veterans Lending Specialist (CVLS)</image:title>
      <image:caption>Is your focus on VA loans? Would you like to separate yourself from the competition? Don't miss this opportunity to become approved for NAMB's newest certification, the Certified Veterans Lending Specialist (CVLS). VA loans are an amazing benefit that veterans have earned, and it’s our responsibility as loan originators to help them take advantage of it. But to maximize that benefit, a veterans needs their loan officer to know all the nuances. Lender guidelines often cover the top level information and you can do a VA deal from them. However, those guidelines miss the ‘how’ for many of the subtle details of VA loans, and often include limitations that can be worked around if you know how. With this extra information, you’ll be able to get deals done that nobody else can, help more veterans in the process, and stand out to referral partners.  In case you’re wondering, it doesn’t matter if you’re in a military town. In a non-military town, it’s likely you’ll be the only VA expert. Which will make you stand out even more. The certification training will cover all the basics if you’ve never done a VA deal before, but it’ll also dig into super advanced topics like: Proving eligibility for everyone including reservists and surviving spouses Tips for getting DU &amp; LP approvals, and why manual underwriting isn’t something to be feared The truth about VA appraisals and especially “Tidewater" Ways to find double the number of VA approved condos New rules around refinances and being ready for when that market returns Uncommon issues like assumptions, EEM, Rehab, non-owner occupant co-borrowers, etc In addition, we’ll emphasize the detailed knowledge &amp; stories that you can use to show your value to real estate agents and help grow your business with VA as your niche.  Immediately following the class, a test will be given and, upon passing, you will be presented with your certification and all the marketing materials that you need to promote yourself!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.namb-u.com/courses/cfmp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/604a5b7f0547be5895754a7b/1683230506264-CSV4U0X2BANAGMREOXQ7/cfmp-badge.png</image:loc>
      <image:title>NAMB U: Courses - Certified FHA Mortgage Professional - Certified FHA Mortgage Professional (CFMP)</image:title>
      <image:caption>NAMB and our sponsor, Freedom Mortgage, proudly offer one of our newest certifications, the Certified FHA Mortgage Professional (CFMP).  FHA loans have been helping people become homeowners since 1934.  Having the ability to provide your borrower with the option of an FHA loan is a vital tool in your arsenal of lending options. The education offered as part of this session is similar to the training offered to FHA DE underwriters. Topics covered include:  Origination/Processing  Borrower Eligibility  Occupancy Types  Loan Limits  Underwriting using the TOTAL Mortgage Scorecard  Credit Review Requirements  Evaluating Liabilities/Debt/Income  Asset Requirements  Acceptable Appraisal Reporting  Programs and Products  And, more!  Immediately following the class, a test will be given, and upon passing, you will be presented with your certification and all the marketing materials you need to promote yourself!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.namb-u.com/courses/crev</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/604a5b7f0547be5895754a7b/1683230810144-U3KWBNVQWNOCWAW106D5/crev-badge.png</image:loc>
      <image:title>NAMB U: Courses - Certified Reverse Mortgage Specialist - Certified Reverse Mortgage Specialist (CREV)</image:title>
      <image:caption>NAMB recently launched the Certified Reverse Mortgage Specialist (CREV) course! Our certification sponsor, Liberty Reverse Mortgage, can help you confidently add reverse mortgages to your product mix. More than 10,000 Americans turn 65 daily, and the reverse mortgage certification will give you the information and tools necessary to successfully navigate the product, process, and conversation with potential borrowers. During the course you will learn: Age/Property/Equity Requirements How loan amounts are determined The role the product type plays in how much a borrower is allowed to access How a credit report is viewed and its potential impact on the loan Sales tips and best practices for working with borrowers 62+ Overcoming objections and working through underwriting issues And much more… Immediately following the class, a test will be given, and upon passing, you will be presented with your certification and all the marketing materials you need to promote yourself!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.namb-u.com/courses/crms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/604a5b7f0547be5895754a7b/f5603471-8f62-471b-a9ce-8a5afaa94afb/CRMS-badge.png</image:loc>
      <image:title>NAMB U: Courses - Certified Residential Mortgage Specialist - Certified Residential Mortgage Specialist (CRMS)</image:title>
      <image:caption>Certified Residential Mortgage Specialist - NAMB's mid-level credential who want to commit to higher standards of professional practice.  The Certified Residential Mortgage Specialist (CRMS®) certification exam measures the knowledge of mortgage professionals who have been in the industry for at least two years. NAMB created the Certification as a way for mortgage professionals who have established themselves within the industry to validate their achievements. The CRMS exam is open to mortgage professionals who meet the following requirements: have at least two (2) years of mortgage industry experience; possess and have documented a minimum of 50 qualifying points; agree to abide by, and have no violations against, the NAMB Code of Ethics; and agree to abide by, and have no violations against, NAMB’s best-lending practices. Qualifying points are determined by a combination of education and experience as determined by the five categories listed in the table below (For each category, candidates must have a minimum and maximum number of points in order to achieve eligibility).   The CRMS® exam is open to NAMB members and non-members. If you’re applying for this exam and are NOT a NAMB member, please email namb@namb.org to find out how.</image:caption>
    </image:image>
  </url>
</urlset>

