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The MyMortgageMate Way

Broker Training Course

How we qualify deals: know if a deal will fund before you spend hours on it. Free, no sign-up.

Residential course

FREE
Your progress0 of 4 sessions · 0 of 8 practice files
STARTSession 1: How we work
  1. 1How we work: qualify first, then build the file45 min · quick checkNOT STARTED
  2. 2The numbers: ratios, the stress test and lender lanes60 min · practice files 1 to 3NOT STARTED
  3. 3The three mortgage types and refinances60 min · practice files 4 and 5NOT STARTED
  4. 4Fringe deals, documents and conditions45 min · practice files 6 to 8 · sign-offNOT STARTED

Practice files

Fictional clients to run in the calculator, each with an answer key.

  • APP-01Sam Kowalski
  • APP-02Priya Raman
  • APP-03Minh and Lan Nguyen
  • APP-04Tunde and Ada Okafor
  • APP-05Rob and Jen Campbell
  • APP-06Marco Silva
  • APP-07Jordan Tremblay
  • APP-08Dana Whitford

Commercial course

COMING SOON

The commercial course is being written

Same method as residential, built around the commercial calculator, with practice deals and answer keys. It will be here, free, the day it goes live.

  1. 1How we work: the same method, commercial numbersQualify first, the four answers (Go, Fix, Fringe, Not now), and why a fringe deal goes straight to a lender.
  2. 2Income: everything the building can earnRents, parking, laundry and government-backed solar contracts. The owner's business income counts only when that business operates from the property being bought or refinanced. A landlord buying to rent out is qualified on what the building earns on its own.
  3. 3Expenses, NOI and DSCROperating costs, vacancy and reserves, then NOI and DSCR. Plus the total debt service method some alternative lenders use: all of the borrower's income across their businesses, and all of their liabilities too. It can help, and it can hurt.
  4. 4Fringe deals, documents and lendersRent rolls, leases and financials collected up front, and getting a fringe deal in front of the right lender fast.