What Are You Really Worth?
It’s a simple question, but how do you answer it? Isn't the most important investment you make the one you make in yourself? Jim Rohn shared that who you will be tomorrow is a combination of what you read (think about today) and who you spend time with (model your future after). Are the ideas and people around you now inspiring a remarkable new possibility for what you will look like in 12 months?
We believe that how a consumer borrows has a greater impact on wealth creation than any other money activity they will undertake, and we'll prove that to you in the course. If you can't manage cash and liabilities, the rest of the game (investing for wealth) never really starts. You can impact that through the work you do in the mortgage industry. You can borrow from our experience now to build your brighter future tomorrow.
It's challenging to describe everything you'll receive. You can speak with any of our graduates or contact us if you'd like some names of people to talk with after watching the testimonials. This is a transformational experience - if you are open to a totally new perspective on your role as a leader & lender in our industry.
One lender shared: "Taking this course helped me figure out why I got my NMLS to begin with!"
What You Will Learn
What You Can Expect from the Course
A self-paced online curriculum - the material is designed to help you engage as you learn. Many of our graduates say that, of all the courses they've taken as learners, this was the most practical, with numerous ways to apply what they learned immediately in their own business and personal lives. You'll receive perspectives from all three sides of the balance sheet, and you'll be a major part of the overall curriculum as you personally engage the questions.
You'll Learn:
What You Receive with the Course
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A right to use the Certified Liability Advisor™, or CLA™ certification and logo on your website.
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An electronic copy of the Borrow Smart Repay Smart™ book.
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A license to our Borrow Smart Conversation™ PPT, and several other PPT courses you can teach as a CLA™.
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Access to all the materials presented in the class, over 700 pages.
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A variety of excel spreadsheets for investment properties, and presentations.
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An appointment on our non-profit site as a Facilitator (upon graduation) at www.niofe.org.
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Access to consumer leads from our Google Grant promotion.
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A graduation package that includes a press kit, logos, and more.
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A diploma that is suitable for framing.
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A Social media promotion for promoting your designation.
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Access to our SoundCloud account with audiobooks and more.
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Access to our growing community of graduates and future learning opportunities.
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Access to our private Facebook page with weekly resources to share on social media.
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Access to our CALM™ and WIE™ Teaching Materials for consumers, advisors, and realtors.
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Access to weekly coaching experiences for our students and graduates.
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Access to our exclusive partnership with Sora Finance (software and become part of our lead network)
Download Our CLA Course Roadmap (click image)
Take a Backstage Tour of our Content Deliver (watch video)
Comparing CMPS - CMA - Other Designations
Still Considering? Here's More...
Borrow Smart University™ graduates obtain the Certified Liability Advisor™ designation after completing a required 24 hours of personally and professionally rewarding education. Ongoing live coaching helps you integrate what you learn into your practice to maximize your investment in yourself. Key concepts reveal how Safety, Liquidity, Return, EPR™, Taxes, Leverage, and Diversification strategies can work together to increase the wealth of your borrower. You'll learn how to use a 7-step process to solve for the right: Products, Payment, Availability, Amount, Management, Protection, and Discipline. You'll learn how to accomplish client goals in totally new ways - as you master the 3-sided balance sheet. Ultimately you won't only differentiate yourself from your competitors, but you'll learn how to play a totally new game.
You'll learn how to have the Borrow Smart Client Conversation™, to show your value in a new way. 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, 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 learn how to begin building a referral network of financial advisors, where graduates report an incremental 2-10 referrals a month from insurance agents, tax accountants, and financial advisors.
When you move from selling products to solving problems, you open new doors to dramatically expand your network of influence. Borrow Smart University™ provides you with tools to leverage your time and experience in a new process of building referral sources that you never imagined possible.
We have organized the material into a series of 3 courses, each containing 8 working sessions with downloadable handouts and reference materials that span 720+ pages of content. The typical session is about an hour, and you can stop and start at any time on any mobile device, and we'll save your place. Set your own pace. We've had students complete in as little as two weeks, while most pace themselves at 2-4 hours per week to complete the program in four to six weeks. Additionally, many approach the program by working in branches, using accountability partners to practice the exercises, scripts, and sales ideas. Additionally, you'll become part of our CLA™ Facebook group to access private materials, ongoing best practices, and weekly coaching calls with other students learning the materials. Come profit from our experience.
Finally, an enormous benefit of earning your CLA™ - you'll become eligible to be a faculty member of the National Institute of Financial Education - www.niofe.org, a 501(c)3 non-profit and Google Grant Recipient. NIFE connects consumers with liability advisors across the United States. NIFE supports corporations, local businesses, high schools, colleges, and other non-profits. Many designations accept CLA for their education requirements, licensure training, and ongoing webinar certifications.
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. We built a proven platform that distinguishes you and your services based on the value of the advice you provide - not the price that you charge. Our course is that 'single conversation' that has time and again changed the trajectory of a loan officer's career. Many shared it is the most helpful resource they've ever found for loan officers.
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 three groups of advisors AND grow business from Realtors and existing clients as you grow from a Mortgage Loan Originator to a Certified Liability Advisor™.
We 100% guarantee that you will not be the same person that begins these classes. If you complete the entire course and don't believe you have truly discovered an edge that differentiates you from your competition, we'll refund your tuition. Make your NMLS rock!