Understanding Mortgages

No two investors are alike. Be aware of your personal investing preferences, risk tolerance & strengths to maximize your portfolio.


Christian George

Christian George is a Businessman, Entrepreneur, and Real Estate Investor. Having been a licensed real estate agent for over 22 years and a licensed escrow officer for over 14 years, Christian is intimately familiar with every part of a real estate transaction from front to back.  Christian is currently the Content Director and an Instructor for Renatus as he continues to grow his personal portfolio. He loves sharing with students how to research a property, build a plan and strategy, and then close the deal. 


" Gain the clarity and discernment you need to take “decisive, massive, and confident action!” This is the foundation for Understanding Your Investor ID.  Knowing who YOU are as an investor determines what investing strategies you should focus on as you start your investing career. Learn how creating a specific financial target, knowing your risk tolerance, understanding investment asset classes, your time personal time horizon and other variables directly impact which type of investment strategies will most likely lead to success. Maximize your existing strengths and safeguard against the human foibles that all investors possess. Through J.’s class you can determine where you fit in the Real Estate food chain, and learn how to choose the best strategy based on your interests and passions. Maximize your time and reach financial freedom sooner by examining past experiences and personal preferences as you transform your investing dreams into an actionable game plan!

  • 1


    Find out how much you already know and what you still have to learn.

  • 2

    Welcome and Course Objective

    Christian George shares the story of his background in mortgages and real estate contracts, beginning with a temporary job as a title officer and continuing through his current employment as an instructor with Renatus.

  • 3

    Course Outline

    What do you expect to learn from this class? Our instructor outlines his plan for teaching you the most important information about mortgages.

  • Show all 38 segments

    • 4

      Mortgages and Loans

      Christian discusses the differences between deeds of trust and mortgages, and what they have to do with the note.

    • 5

      The ABCs of Mortgage

      Learn the many acronyms that are used in real estate documents and transactions as the instructor reviews important historical changes to the real estate transaction process.

    • 6

      ABCs Continued

      LE, CD, and TIP are three of the acronyms explained in this segment.

    • 7

      Loans and the Financial Institution's Goals

      Like any business, banks intend to make money. Find out what else they aim to accomplish and how it affects you.

    • 8

      Which One is Right for Me

      Christian goes through the five basic tenets that will help you determine which product is the best fit for your needs.

    • 9

      Locking in Your Rate

      Understand what it means to lock your rate, what effect it may have and what steps you need to take to get it done.

    • 10

      Refinancing and Buyer Beware

      Every loan has costs. Know when it's worth it to refinance your property and when it would be best to wait it out.

    • 11

      Refinancing Question and Answer

      Are reverse mortgages a bad thing? Christian walks through the costs and benefits of this option.

    • 12

      Government Insured Loans and Mortgage Insurance

      Lower interest rates, protection for the bank and higher seller contribution are three of the aspects our instructor discusses in this segment.

    • 13

      Other Loan Products

      Balloon Mortgages and non-conventional loans are explored, along with several other loan product options.

    • 14

      Conventional Loans and Private and Hard Money

      Loans can be bought and sold on a secondary market, creating a situation that affects many mortgage decisions.

    • 15

      Construction, Hybrid, Wraparound, and HELOCs

      Christian defines these loan products, and how and when they should be used.

    • 16

      Recap and Caution with Loans and Lines

      The instructor provides a list of items to watch out for when making your real estate transaction decisions.

    • 17

      The Old Vs. New

      A review of the functions of past documents, and how they have transitioned into the Loan Estimate and the Closing Disclosure.

    • 18

      Estimated Closing Costs

      A continuation of the Loan Estimate document focuses on the various components of estimated closing costs.

    • 19

      Adding It Up with Percentages and Premiums

      Christian finishes his explanation of the Loan Estimate and addresses class member questions about the document.

    • 20

      Bank Relations

      More questions from the live education class are answered, involving relations with banks and the benefits of long-term loyalty.

    • 21

      Bankers Vs Brokers

      What is the difference between a banker and a mortgage broker? Find the best fit for your lending needs.

    • 22

      Compare Loan Estimates

      Understand which fees are required, which ones are negotiable and which fees you should definitely challenge.

    • 23

      Details and Dates

      Timelines can be incredibly impactful in closing a mortgage. Know what delays are necessary and expected, and how changes may increase delays.

    • 24

      Documentation Deep Dive

      Christian begins exploring the mountain of required documents, with explanations of each letter and form.

    • 25

      Documentation Deep Dive and Recap

      Escrow agreements and amortization tables are discussed, along with homeowner's insurance, note transfer options and more.

    • 26

      Closing Disclosure

      What are the differences between the Closing Estimate and the Closing Disclosure? Know what information should be included in your CD.

    • 27

      Closing Disclosures, Continued

      The rest of the information in the Closing Disclosure is dissected and discussed, and class member questions are addressed.

    • 28

      Abbreviated Disclosure Form

      You can request an ALTA Settlement Statement, which simplifies much of the information from the Closing Disclosure.

    • 29

      Additional Information About this Loan

      More details are covered in Christian's analysis of the Closing Disclosure document.

    • 30

      The Book of Life

      This profile of you as a potential borrower tells a complete and accurate story of your ability to repay a loan, including project information and your bio.

    • 31

      Eight Cs for Success

      Consistency, capacity and credit record are just three of the vital pieces of information that will improve your transaction results.

    • 32

      Application Credit and Ratio

      What happens after you submit your application? The lender begins to compile data all about you and the property you intend to purchase.

    • 33

      When You Can't Qualify, Try This...

      A denial doesn't mean you can't make things work. Christian shares a list of suggestions that you can employ to increase your chances of obtaining your funding.

    • 34

      Who is CFPB?

      The Consumer Financial Protection Bureau is an organization that has made powerful changes to protect consumers. Our instructor also discusses closed-end mortgages and non-RESPA transactions.

    • 35

      Navigating the System

      There are a few steps you can take to simplify and ensure smooth mortgage transactions, including templates and loan discount points.

    • 36

      Cautions and Bi-weekly Mortgage Payments

      Timing is powerful, and bi-weekly mortgage payments, though not as impactful as velocity banking, are a viable option for decreasing the amount of time it takes to repay a loan.

    • 37

      Finding a Great Deal on Mortgage Products

      Special mortgage products for teachers, officers, and others can assist home buyers. Christian finishes up with a challenge to be prepared, be educated and take action today.

    • 38


      How much information have you retained?

  • 38


    How much information have you retained?