HELOC Specialist Track
Help homeowners understand home equity — responsibly.
A home equity line of credit is a revolving line secured by the home. Specialists learn how HELOCs work, what they cost, and how to educate homeowners clearly and without pressure.
What you'll learn
From fundamentals to responsible education
- Home-equity education and combined loan-to-value
- HELOC structures: draw periods, repayment periods and variable rates
- Costs, fees and repayment considerations
- Required disclosures and the right of rescission
- Responsible homeowner education — including when a HELOC may not fit
- AI mortgage productivity, with privacy and human review
- The licensed origination career pathway
Modules in this track
Module 3
Home Equity Fundamentals
What home equity is, how it is measured, and the risks of borrowing against a home.
Module 4
HELOC Specialist I
HELOC structure: draw and repayment periods, variable rates, and required disclosures.
Module 5
HELOC Specialist II
Costs, repayment scenarios, responsible-use education, and when a HELOC may not fit.
Module 9
AI Mortgage Productivity
Using AI for preparation, notes and drafts, with privacy and human review built in.
The licensing boundary
Taking HELOC applications, discussing a homeowner's personal rates or terms, and negotiating credit are licensed activities. Until your license is verified and the company approves you for HELOC work, your role is education and approved business development only.