Registration, courses, and test requirements for the Residential Underwriting Achievement Certificate (CRU Level I) and Professional Certificate (CRU Level II), and courses for the Certified Residential Underwriter (CRU) Specialist Designation are included.

Library Offerings

Introductory-Level Courses and Certificate Program

Residential Underwriting Achivement Certificate (CRU Level I) - Registration

• Basic Appraisal Underwriting (required)
• Essentials of Residential Underwriting (required)
• Tax Return Basics: Show Me the Money (required)
• Underwriting Capstone 101 (required)

• Credit Scoring (elective)
• Fair Lending Essentials (elective)
• Mortgage Banking Primer (elective)

*One elective course is required.

Intermediate-Level Courses and Certificate Program

Residential Underwriting Professional Certificate (CRU Level II) - Registration

• Fraud Detection and Deterrence (required)
• Tax Return Analysis: The Bottom Line (required)
• Underwriting Capstone 201 (required)

• Construction to Permanent Loans (elective)
• Introduction to Manufactured Housing (elective)
• Underwriting Manufactured Housing (elective)

*Two elective courses are required.

Advanced-Level Courses

The following courses apply to the Certified Residential Underwriter (CRU) Specialist Designation. Program registration and testing fees are not included.

• Underwriting Alternative Lending Products (required)
• Underwriting Manual Mortgages and Caution Loans (required)
• When Bad Things Happen to Good Properties (required)

• Community Reinvestment Act (CRA) (elective)
• FCRA and FACTA: Changing the Way You Look at Credit (elective)
• HMDA: What Is It? (elective)
• Keeping Up with RESPA (elective)
• Protecting Customer Privacy (elective)
• Understanding the USA Patriot Act (elective)
• Understanding Truth in Lending (TILA) (elective)

*Two elective courses are required.

Other Underwriting Courses

• Appraisal 101
• Equal Credit Opportunity Act
• Ethical Decision Making for Mortgage Bankers