Participants are provided practical, hands-on training—using actual loan documents—to acquire a basic understanding and overview of residential mortgage lending discrimination and predatory lending.

Who Should Attend?
• Housing and real estate professionals
• Housing counselors
• All others whose business or professional activities necessitate having some familiarity with the basics of lending discrimination and predatory lending

Objectives:
Upon completion of this course, participants will be able to:
• Understand the residential mortgage lending process, including the roles of the secondary market, mortgage brokers and private investors
• Use HMDA Reports and other materials to analyze fair lending compliance
• Obtain an overview of the laws and legal theories that prohibit lending discrimination
• Differentiate conventional or prime lending from sub-prime lending, and to categorize predatory lending practices
• Obtain an overview of the federal and state statutes and common law theories applicable to predatory lending cases
• Identify monetary, injunctive and equitable provisions used to remedy instances of lending discrimination and predatory lending.
• Conduct more effective outreach and education to prevent lending discrimination and predatory lending
• Identify criminal statutes that prohibit mortgage fraud, and situations warranting law enforcement and regulatory referrals

Gain an understanding of the mortgage finance system. Participants engage in hands-on activities that help them understand the different steps tosustainable home ownership.

Who Should Attend?
• Housing professionals
• Housing counselors
• Home buyers

Objectives:
Upon completion of this course, participants should be able to:
• Describe the American mortgage finance system.
• Explain the influence of the secondary market on the mortgage finance system.
• Identify the conditions that led to the financial crisis, mortgage meltdown and foreclosure crisis.
• Identify potential fair lending violations in the homebuying process.
• Identify problems in the loan documents.
• Know the various fair lending laws that protect consumers.
• Identify the risks and benefits of home ownership.
• Understand the credit requirements of obtaining a loan.
• Explain the lending protections under the Fair Housing Act.
• Explain the home-buying process.

Engage in hands-on activities that help buyers understand the different steps to sustainable home ownership.

Who Should Attend?
• Housing professionals
• Housing counselors
• Home buyers

Objectives:
Upon completion of this course, participants should be able to:
• Describe the conditions that led to the mortgage and foreclosure crisis
• Describe the evolving lending market, including governmental financial reform efforts
• Understand the foreclosure process
• Distinguish between the roles of those involved in the foreclosure process (i.e., servicers, investors, etc.)
• Identify various foreclosure prevention provider scams
• Learn about available government resources that address foreclosure prevention provider scams
• Describe the various stimulus programs and how they can help borrowers.

In this two day workshop,participants engage in hands-on activities to help them identify and avoid deceptive practices, which impair home ownership.

Who should attend?
Housing professionals, housing counselors, and home buyers.

Objectives:
Upon completion of this workshop, participants should be able to:

• Describe and explain the home-buying process.
• List and describe various statutes that prohibit lending discrimination.
• Explain protections under the Fair Housing Act.
• Understand the benefits/downfalls of refinancing and alternative to refinancing.
• Differentiate between different types of loans and understand the advantages and disadvantages of each.
• Identify overly aggressive marketing techniques and what, if any, actions they can take to address them.
• Identify deceptive tactics and practices that consumers
  should avoid in the home-buying process.