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How to Read Tax Returns and Close More Loans


This seminar is about interpreting the income correctly and counting every dollar to make sure your clients qualify regardless if they are self-employed or not. This seminar is about knowing what to ask for "ahead of time" so you're not constantly asking the borrower for more information. Hey, even underwriters have trouble - so you really need to know your stuff.

Learn how to read income tax returns and how to work with underwriters to get more of your loans approved - and closed. Here's what you will learn:

  • Reasons why you will need to submit tax returns to underwriting.
  • How to find more income within your clients' tax returns.
  • Which tax returns you should "read" first and which ones you don't need to waste your time on.
  • How to explain your income analysis to an underwriter.
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Dan Moralez

About Dan Moralez

Dan Moralez has been in the mortgage industry since 1991. Dan is Senior Vice President — Regional Sales Manager for First Place Bank. Dan oversees all lending, processing, underwriting and closing functions for the region.

He has previously been recognized multiple times by Mortgage Originator Magazine as one of the top 200 lenders in the country and is consistently one of the top producing Mortgage Originators for Western Michigan. Dan has a diverse lending background with experience in commercial, consumer and residential mortgage lending. Dan's experience covers everything from vacant land and new construction financing to investment property, government, rehabilitation and asset secured commercial lending. As a student of the industry, he can be found reading guidelines in his free time for fun.

Dan is a self professed geek. In his free time you can find him building websites, writing a blog or two, hacking his iPhone or producing a podcast with listeners from around the world.

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Dan Moralez

On-line Courses that Dan has given:


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