For Sales & Operations
FHA Master Class
Master the rules, nail the math, close FHA loans with confidence.
What it solves
The stand-alone FHA training that XINNIX's Performance Programs have long been heralded for — now offered on its own to help all mortgage professionals refresh guidelines and fine-tune their skills in offering the FHA product. For Loan Officers, Processors, and Loan Officer Assistants.
What you'll gain
A rock-solid grasp of FHA guidelines, terminology, and qualifying ratios.
Clear formulas for down-payment, MI, and debt-to-income calculations.
Proven tactics for sourcing funds and documenting every line item.
Step-by-step refinance playbooks — streamline, simple, and cash-out.
Credibility that wins borrower trust and referral-partner loyalty.
The agenda
Three lessons to FHA mastery.
Lesson 1
FHA Fundamentals
- Confirm eligibility instantly and start every FHA file correctly
- Compute MI and ratios without spreadsheets
- Clarify limits, down payments, and concessions
- Master FHA terminology for condition-free approvals
Lesson 2
P.A.I.L. Deep Dive
- Verify P.A.I.L. data precisely to eliminate suspense items and resubmits
- Spot all income sources
- Produce bulletproof ratios for FHA Desktop Underwriter
- Document credit quirks flawlessly
Lesson 3
Refinance Strategies
- Match borrowers to the ideal refi
- Compile flawless docs from app to clear-to-close
- Show tangible savings
- Own your market as the trusted FHA refinance authority
How it works
Self-paced online modules through the XINNIX Learning & Performance Center — three interactive lessons, a quiz after each, and a comprehensive final exam, with on-demand access to a XINNIX Instructor for real-time answers.
This class will definitely be included as part of our annual training and onboarding for all of our sales and operations employees going forward.
K. HarrisRegional Mortgage Director