Modern House
Borrow Smart University Logo

The premier training program for loan officers seeking to increase their financial knowledge, experience, and credibility with clients, insurance agents, tax accountants, and financial advisors.


$1,499 - Online

*minimum 2 years experience 
24+ hours of Life Changing Education
Certified Liability Advisor

Borrow Smart University™ graduates obtain the Certified Liability Advisor designation after completing over 24 hours of personally and professionally rewarding liability management education.  Key topics include how the House/Mortgage can benefit from: Safety, Liquidity, Return, EPR™, Taxes, Leverage, Diversification strategies.  How to use a 7-Step process to solve for the right:  Products, Payment, Availability, Amount, Management, Protection, and Discipline to accomplish any goal on the 3-sided balance sheet.


You'll learn how to incorporate key financial concepts into a Borrow Smart Client Conversation™, which will be a part of many PPTs and resources you'll receive throughout the course.  You'll learn ways to quickly analyze client liabilities and solve for unique borrowing strategies, tax ramifications of buying, selling and refinancing residential real estate for primary, secondary and investment,  1031 exchanges, and much more.  As a CLA™ graduate you receive content, training, and new concepts that create an unfair advantage in the markets you compete.  You'll learn specifically how to better manage your own personal finances using our unique PIN/FIN system of building wealth.  You'll receive our patented FAST System - Financial Advisory Success Team where you learn how to build an incremental 10-20 referrals a month from 3 specific partners:  insurance agents, tax accountants, and financial advisors.


One enormous benefit of earning your CLA™ - you'll automatically become appointed as a member of the National Institute of Financial Education -  Consumers can connect with you for their liability needs, and you can benefit from being part of a nationally accredited non-profit to facilitate teaching and engagement with corporations and other non-profits.


When you move from selling products, to offering solutions, you open the doors to position yourself as a financial educator.  Borrow Smart University™ provides all you need to put maximum leverage in your time, experience in your process, and build a steady stream of new referral sources that you never imagined possible.  Learn more about what you get!

We have carefully crafted the material into a series of 3 Courses that cover everything you'll need + downloadable handouts and reference materials.  The typical class is about an hour and you can stop and start at any time on any mobile device.  Set your own pace.  We've had students complete in as little as two weeks, while most pace themselves at 2-4 hours each week and complete the program in six weeks.  Additionally - many approach the program working in study groups to utilize accountability partners with our practice exercises, scripts and systems.

Modern House

While no single conversation is guaranteed to change the trajectory of a career, a company, a relationship, or a life,

any single conversation can.”

– Fierce Conversations: by Susan Scott

Competitive pressures can make referrals harder to find, more difficult to keep and less profitable when they stay.  BSU builds on a proven platform that distinguishes you and your your services based on the value of the advice you provide - not the price that you charge.  It's a 'single conversation' that has time and again changed the trajectory of a loan officer's career.

The unique approach we teach was used to build a $2B mortgage corporation focused on working almost exclusively with financial advisors, insurance agents, and accountants.  You'll learn how to build a stream of purchase and refinance referrals from these these three groups as you become a Certified Liability Advisor.

We 100% guarantee our that you will not be the same person that begins these classes. If you complete the entire course, and don't believe you have a truly discovered an edge over your competition, we'll refund your tuition - no questions asked.

About BSU

What is Borrow Smart University?





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Sample Content

Course 1 Sample Slides
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Course 2 Sample Slides
Course 3 Sample Slides

Graduate Testimonials


Jake Jacobson, CLA

"The BSU was a unique experience for me, as we had attendees from both sides of the balance sheet. Although the course work was intensive, there was time for each attendee to share thoughts and ideas that were working for them. We learned a lot from each other."

—  Name, Title







Chris Schwab:

“This was a 10 out of 10!  The BSU strategies and training are part of a conversation that I cannot imagine many lenders are having with their clients and partners.”

“This training has already helped me win business easier by immediately having different conversations with financial advisors that puts us in a position of power.”

“Imagine the best Tuesday Mastermind session at Macadam…now multiply that by 100.” 

“The CLA is a deep dive into advanced strategies and conversations that give us the opportunity to change people’s lives.”

“Having the ability to illustrate for a client exactly why putting an extra $40,000 down on their new home may not be the most fiscally responsible decision and showing the numbers that support your opinion gives you credibility that the Rocket Mortgage types will never have. It’s an opportunity to earn trust from your clients and partners that you really are looking out for their financial well-being.”

“It would actually be harder NOT to 10x my investment of time and money.  As long as you actually use the tools we were given, it’s a no brainer!”

Dan Summerfeldt:

"Definitely a 10 out of 10.  Having been a small business owner and a Registered Representative (Financial Consultant) in previous careers, the information in the Borrower Smart University coursework expanded my knowledge and gave me a deeper understanding of how to really help my clients be fully informed as they make decisions on how to move forward toward their financial futures."

"My biggest take-aways were the 7 Concepts & 7 Steps, and how to set myself apart from other lenders."

"I've already applied the 7 steps (to help a client decide to apply).  When I use this more often, I expect my conversion rate to increase."

"This training will definitely win me more business from clients and referral partners once I have the opportunity to meet with them.  Developing my Audio Logo will help me build more intrigue for prospective partners to invest the time to meet with me and learn our powerful process." 

"The more I use it what I learned in Borrow Smart University, the more value I see in it.  Prior to taking the course, I'd have balked at the price.  After taking it, I see the value..."

"I'd be stunned if I didn't 20x my return on investment."

Marc Powarczuk:

“Absolutely a 10 out of 10.  This knowledge will definitely have a positive impact on my business moving forward.”

“My absolute biggest take-aways were 1: learning the 7-steps to Borrowing Smart and understanding how to apply them to my business presentations to win more business, and 2: Understanding EPR™ along with how to help my clients identify and avoid the hidden costs of a transaction.”

“The number one thing I will be applying immediately to my business is the 7-step borrow smart conversation.  This entirely unique approach will absolutely help me add more referral partners, and not just Realtors anymore, but especially financial advisors and CPA’s.”

“Any loan officer who wants a better approach to adding new business referral partners absolutely must take this course!  The 7 steps and the Borrow Smart tools provide a wealth of new knowledge that gives me something fresh and different that nobody else out there is doing to win business.”