Choosing an NMLS Mortgage License Education Course Provider | Education

Every Mortgage Loan Originator licensed in the United States must complete Pre-License Education in order to obtain a license and Continuing Education each year in order to renew the license. There is a federal mandate that each state require at least 20 hours of Pre-License Education and at least 8 hours of Continuing Education each year after the license is approved. And many states have decided to require additional “state-specific” Pre-License and Continuing Education on top of the federal mandated minimum requirement. If a Loan Originator obtains licenses in many states, there could be a lot of Continuing Education required each year, which brings us to our main topic. How do you choose a Mortgage License Education Course Provider that can make this process as simple and painless as possible?Availability of Courses – Each Mortgage License Education Course Provider must get their courses approved through the NMLS (Nationwide Mortgage Licensing System). Some Course Providers only get the main 20 hour Pre-License Education and 8 hour Continuing Education, so if you are licensed in any states that require state-specific education, you’ll have to do that part with another Course Provider. Most Course Providers only get some of the state-specific education approved for the larger states, because it is very time consuming to get approved and maintain if they don’t have enough customers taking the courses. Very few Course Providers get the state-specific Mortgage License Education Courses approved by the NMLS in every state that requires it. If licensed in many states, it is best to find one of these few Course Providers that offer all courses.Course Formats – The Course Providers are able to provide Pre-License Education in 3 formats: Classroom, Webinar, and Online Instructor-Led. Classroom is a live course in-person. Webinar is a live course via a webinar online. And Online Instructor-Led, which is by far the most popular, is an online course at your own pace with a small amount of instructor involvement to meet the NMLS requirement that there be interaction between the student and the instructor. Due to the instructor interaction, the Online Instructor-Led courses must be done within a certain window of time. Usually 2 days for a few hour course up to 12 days for a 20 hour course. For the Continuing Education, Course Providers are able to offer all of the same course formats as the Pre-License Education plus an Online Self-Study format. The Online Self-Study format is virtually identical to the Online Instructor-Led format, except that there is no window of time that the course must be completed in and there is no instructor interaction. For most people, the Online Self-Study format would be the best option for the Continuing Education. Not all Course Providers offer all Course Formats, so you will want to find a Course Provider that offers the formats you prefer.Technology Platforms – Specifically for the most popular Course Formats, Online Instructor-Led for the Pre-License Education and Online Self-Study for the Continuing Education, the technology platform of the Mortgage License Education Course Provider is critical to making the process smooth. The NMLS has specific guidelines on how the Education Course must operate regarding timing of the course, instructor interaction, timing out after a certain period of inactivity, verifying that the person taking the course is the actual Loan Originator, etc. However, the Course Providers have a lot of flexibility in making the compliance with these requirements as painless as possible. There is a huge difference between Course Providers so you may even want to ask to test their systems out before purchasing courses, especially if you are licensed in a lot of states or are making the decision of what Course Provider to use for many Loan Originators.Customer Service – In my experience, this is by far the most important factor. Issues will come up such as courses not reporting to the NMLS properly, course windows ending before the course is completed and the need to reschedule, questions about what Mortgage License Education Courses are required for a new license or continuing education to renew your Loan Originator Licenses, or even just issues navigating their website. When these issues come up, you want to have someone at their office that always answers the phone during normal business hours so you can quickly resolve these issues. I have found that not all Education Course Providers have the same excellent customer service that you would expect. This is critical. If you start finding that the responses from customer service are slow or inadequate, then it is probably time to start looking for a new NMLS Mortgage License Education Course Provider.

5 Fashion Styles That Can Make You Look Gorgeous | Fashion

Fashion is associated with women, they are the ones who actually want to beautify themselves. For fashionistas, to the corporate rulers, every woman loves dresses, makeup, accessories as these are the path towards phenomenal looks.There are various fashion styles, sometimes we think that today is to look trendy, or today for something traditional, or today let me dress up in a classic outfit or oh! It’s summer, let me look casual! Trendy, Vogue, Casual are all fashion styles that we take up in our daily routine. These are all different types of fashion styles which can make one look better.What does fashion mean to you?Fashion is all about expressing yourself, and your identity. It is about expressing yourself through your dresses or clothes. It is everything that deals with clothes, accessories, footwear, jewelry, hairstyle and etc. It is a habitual trend in which a person dresses up in her best, does her make up, wears her accessories and shoes. Looking good is the main aim of fashion.To some, fashion can mean good dresses, to some fashion can mean expensive clothing and accessories. But you must pair your dresses correctly to look chic and stylish. Failure to do so can be a disaster and make you embarrassed in front of everyone.Wearing the same dresses in the same style can make you a boring person. So before you go out wearing something look at yourself in front of the mirror, check yourself whether the particular dress goes with your body shape or the accessories. Ask yourself whether the accessories you are planning to wear match your dress. Ask yourself will I be able to carry myself?Check what kind of makeup match the dresses? The shoes, the hair! Everything must match each other perfectly. And you can make you a fashionable diva. If you love fashion, you must know the various types of styles which you can try, the next time you visit a party. Go through the various fashion styles.Trendy fashion style: It is always up to date. Girls following this style wear all kinds of dresses without keeping any constraints. Trendy means something that is in the trend. Ripped jeans, tank tops, long jackets, high heels, open hairs are examples of trendy fashion style. Celebrities like Jessica Simpson, Miley Cyrus, Paris Hilton, Jessica Alba follows this style. Well, attitude is everything when it comes to pulling off a trendy style.Chic Style: Chic mans a style that is highly fashionable. Chic is a statement that makes one look striking and exceptionally smart. This style is marked with well-tailored designs that are classy. Strong color, superior styles, that seems casual but also not too casual. So, basically chic style means something very classy, trendy, and also gorgeous. So if you are a part of the chic club, then your wardrobe is a symbol of style.Sophisticated Style: Style that is polished, quality, and posh are known as sophisticated style. Dresses like Skaters Dress, Brocade Dress, Sheath Dress makes the style statement. A sophisticated style is for the ones from higher status and high-class personalities. Culture and luxury mean most of them who chooses this style of fashion.Vogue Style: Vogue is something that comes back with time. Fashion that existed for the time, then again regained its popularity by combing some changes in its design, dress material, or styles are said to be vogue. A few vogue dresses are Skaters Dress, Brocade dress, Bandage Dress. These dresses regained its popularity over time and became one of the most fashionable dresses that are loved by women.Preppy Style: The school or college look is the tag name that denotes a preppy style. Dresses that are collared and are matched with skaters dress or A-line skirts with girly blouses are preppy styles.To stand out of the crowd you must choose such styles that make you look gorgeous. Just do not keep copying from others, explore the world of fashion, experiment the possibilities and find out what makes you look gorgeous. Women are the finest creation of God. They are borne diva but divas also need to be fashionable. Therefore, choose the style that suits you the most. Good Luck!

Board Games For The Family Game Night | Board Games

If you are planning for a family game night, then you have to plan it well for best results. Remember the main purpose of game nights is to spend some quality time with the whole family. Although it is just a game night, it can already create a big impact to your family’s bond. If such event will just be held at home, then one of the most important things that you should include in your planning is the games that will be played. Basically, this will be the highlight of the night when everyone can have fun and enjoy. Think of some popular indoor games that are suitable for different age groups. You can look into some of the awesome board games that are really intended to be played by the whole family.If the time allocated for the family game night is very limited, then you can take a look into simple and short board games that are still fun to play. This is also ideal if your family prefers to play a game that can be done in a short period of time. In this way, you and your family can play a lot of games during the game night. In this case, you can consider the game “Blokus” or “Gobblet”.Aside from simple and short board games, you can also consider the type of board games that classified to be strategy games. From the name itself, these games do not just offer fun and enjoyment for the whole family; these types of games will also test the thinking skills and risk-taking abilities of the players. The player has to come up with a strategy or plan in order to win the game as well carefully make decisions. “The Settlers of Catan” and “Puerto Rico” are just two of the games that belong to this category.All of the games mentioned above focus more individual victory which is actually fine. But if you want to explore some other options, you can consider he types of board games that involves cooperation. Basically, this refers to the games that allow the family members to work together as a team in order to win. Each family member will have to play a specific role when playing the game and this is really perfect for big families. If your family prefers to play these kinds of games, then you can look into “Pandemic” and “Diplomacy” game.Aside from the board games that were earlier mentioned, you can also stick with the classic and popular board games like “Scrabble”, “Monopoly”, “Trouble and Taboo”, “Corn Hole Game” and many more. You can’t go wrong with these games because they have been very popular for quite some time now. So if you and your family are not familiar with some other types of games, these classic board games would just be fine. As long as the all the family members are present, everything will turn out great and everyone will surely have fun during the family game night.