7 Hour SAFE Core: Top 10-Violations, Manufactured Homes/Condos, Fraud, Cybersecurity & AI, Non-QM’s, & Industry Updates
August 3rd @ 10:00 AM Central
In this course, we will explore a diverse range of timely and critical topics shaping today’s mortgage landscape. This year’s course begins by addressing the Top 10 Violations identified by the NMLS for 2026—essential regulatory concerns all mortgage professionals must understand. In Chapter 2, we examine underwriting and eligibility guidelines for manufactured homes and condominiums, emphasizing agency requirements and best practices. Chapter 3 dives into emerging issues in cybersecurity and the ethical use of AI, along with a focused discussion on mortgage fraud, ethical conduct, and BSA/AML compliance. Chapter 4 highlights the importance of protecting veterans and servicemembers from unethical mortgage practices. In Chapter 5, we analyze Non-Traditional Mortgage Products and Non-QMs, including key product characteristics and guideline requirements. Chapter 6 is dedicated to understanding UDAAP and strategies for navigating the evolving regulatory environment. Finally, Chapter 7 brings everything full circle with a summary of recent legislative and industry updates, helping ensure that you remain informed, compliant, and prepared to serve your clients with integrity and confidence.
NMLS Provider ID #1400062
CE 7 Hour SAFE Core Course ID #
Date: August 3rd, 2026
Time: 10:00 AM - 6:00 PM CT
(7:00 AM PT / 8:00 AM MT / 10:00 AM ET)
By the end of this course, learners will be able to:
- Understand the role of the Multi-State Mortgage Committee (MMC) and analyze top violations from the previous year—including ECOA adverse action notices, TRID tolerance thresholds, disclosure accuracy, and recordkeeping—to reinforce compliance with federal and state regulations.
- Evaluate the ethical responsibilities of MLOs in disclosure, transparency, and borrower communication, with an emphasis on preventing UDAAP violations, promoting trust, and safeguarding against fraudulent or deceptive practices.
- Identify key financing considerations for manufactured housing and condominiums, including eligibility, documentation, and project approval requirements, and apply this knowledge to guide borrowers through unique transaction challenges.
- Differentiate between common mortgage fraud schemes and cybercrime risks, recognize red flags, and apply best practices to protect borrowers, lenders, and institutions from financial harm and reputational damage.
- Analyze the impact of artificial intelligence, automation, and Non-QM loan products on mortgage lending practices, assessing both opportunities and risks while aligning with regulatory requirements and borrower needs.
- Interpret recent updates from the CFPB, FHFA, HUD, FHA, Fannie Mae, and Freddie Mac.
- Reflect on the ethical implications of lending practices, marketing strategies, product recommendations, and borrower interactions to ensure fairness, transparency, and integrity in every stage of the mortgage process.
