The Credit Edge: Mastering the 5 C’s of Mortgage Underwriting

Next Session Starts January 2026!

Learn to think like an underwriter — and build files that fund.

An 8-week, mentor-led program for Canadian mortgage agents who want to master Collateral, Credit, Capacity, Capital, Character, and the essential 6th C: Common Sense. Get practical training, lender-ready templates, and direct feedback on real files so you can move more applications from submitted to approved with confidence.

Apply now → LINK
Next Cohort Date: January 9th, 2026– February 27th, 2026 (Weekly, 9am - 11am EST, live via Google Meets)
Seats: Limited to 25 participants per cohort

Who This Is For

New and growing mortgage agents who can generate leads but struggle to structure files
Agents who want to reduce lender revision loops, speed approvals, and improve client outcomes
Teams and brokerages seeking a repeatable, lender-first file-flow system

What You’ll Learn (Outcomes)

By the end of this course, you will:

Read files like an underwriter and present lender-ready notes
Confidently assess and mitigate risk across the 5 C’s + Common Sense
Identify red flags early and restructure borderline files to get to “yes”
Use a repeatable file-flow and documentation checklist that scales as you grow
Communicate clearly with lenders, lawyers, realtors, and clients

You’ll leave with a toolkit you can use on your very next deal.

Program Format

8 weeks · 2 hours/week (live via Google Meets)
- ~60 min teaching · 30 min case work · 30 min Q&A
Recordings included (time-limited access)
WhatsApp cohort group for real-time Q&A and peer support
Direct feedback on your next 3 underwriting notes (written, actionable)
Templates pack (notes framework, checklists, calculators)

Reserve your seat → LINK

Detailed Weekly Learnings

Week 1 — Collateral: Property Strength & Marketability

Property type, location risk, urban vs rural, single vs multi-unit, condo considerations, zoning/acreage, appraisal essentials, comparables, condition/marketability, collateral red flags, and how to write succinct collateral mitigation.

Week 2 — Credit: History, Depth & Behaviour

Reading Equifax/TransUnion, score drivers, utilization and recency, collections/R2s, re-established credit, inquiries, co-signers/guarantors, and credit narratives that build lender confidence.

Week 3 — Capacity: Income, Ratios & Documentation

GDS/TDS in practice, salaried vs hourly vs commission vs self-employed, pay stubs/T4/NOA/T1/T2125 basics, averaging logic, reasonableness checks, and catching weak documentation early.

Week 4 — Capital: Down Payment, Equity & AML

Acceptable sources, gifts vs borrowed funds, sale proceeds and equity take-out paper trails, large deposit documentation, AML awareness, and capital mitigation when funds are tight.

Week 5 — Character: Stability & Reliability Signals

Employment tenure, savings habits, disclosure quality, response times, document presentation, professional tone, and short, credible character paragraphs that matter.

Week 6 — The 6th C: Common Sense

The judgment layer that ties it all together: when to escalate, when to pivot lenders/programs, when to push or pause, exception strategy, reading lender appetite, and rebuilding borderline files live.

Week 7 — Case Studies Workshop

Three complete files (strong / borderline / weak). Collaborative teardown and rebuild. Live drafting of mitigation notes using the course template.

Week 8 — Wrap-Up, Standards & Certification

Personalized action plan, submission standards, how to maintain lender trust, continuing development plan, and next-step pathways. Certificate presentation.

What’s Included

16 hours live instruction (+ limited-time replays)
Underwriting Notes Template (Mitigation Notes & Updates)
Income Verification Checklist (salary/hourly/commission/self-employed)
Down Payment & Large Deposit Playbook (AML-aware)
GDS/TDS Calculator Sheet (Excel-ready)
Case Study Workbook (strong/borderline/weak)
3 underwriting note reviews with written feedback
Certificate of Completion (digital + print)
Private WhatsApp community for ongoing support

Pricing (CAD)

Transparent tiers for individuals and teams. Taxes added based on province.

Standard — $499.00 + HST
Full 8-week cohort, templates, WhatsApp, 3 file reviews, certificate.
Pro — $599.00 + HST
Everything in Standard + 2 extra file reviews (total 5) and a 30-min 1:1 consult.
Team Bundle (5+ Standard seats) — $449/seat + HST
Perfect for brokerages and teams (single invoice available). Pro can be added for 100.00.
Non-refundable deposit— $200/seat + HST

Payment and Invoices issued. Full registration due ten days before session start.
Next cohort dates → January 9th, 2026– February 27th, 2026 (Weekly, 9am - 11am EST, live via Google Meets)

Enrollment & Logistics

Apply via registration Link (takes ~2 minutes).
Invoice request will be sent to you for your deposit.
Get access to your Starter Pack and WhatsApp group one week before kickoff.
Join live each week (Google link emailed to you).
Submit files for feedback starting Week 3.

About the Instructor

Stephen Green — Founder, The Financial Collective · Top-performing Canadian mortgage agent.
Stephen is known for practical underwriting clarity, clean file flow, and lender-ready notes that reduce friction and speed approvals. He teaches the same systems he uses daily—no fluff, just the tools and judgment that move deals forward.

Learn more: About Stephen · LinkedIn

Frequently Asked Questions

Is this suitable for brand-new agents?
Yes. If you can generate leads but struggle with file structure, you’ll get immediate value. Intermediate agents use this to tighten file flow and reduce revision loops.

Will I receive recordings?
Yes. Live replays are available to enrolled students for 60 days after week eight is complete.

How does file feedback work?
You’ll submit your underwriting notes (real or anonymized). Expect concise, actionable comments on clarity, completeness, and lender expectations.

What if I miss a session?
Watch the replay and post questions in the WhatsApp group. We also recap key takeaways at the next live session.

Refund policy?
200.00 Non-Refundable deposit due at registration. Remaining non-refundable fee due ten days before first session.

Do you offer private training for teams?
Yes. We deliver brokerage intensives and custom workshops. Contact us for a proposal.