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Residential Underwriting Certificate and Designation Program

Welcome to the Certified Residential Underwriter (CRU) Program. The curriculum for this designation is progressive and comprised of three categories. The first two categories, Basic and Intermediate, lay a foundation for the final category: the Advanced Certified Residential Underwriter designation.

The progressive CRU curriculum establishes the standard for professional excellence and training in residential mortgage loan underwriting. Throughout the categories of this program, students learn tangible skills to increase accuracy in underwriting.

The program provides training to develop specific skills that contribute to reduced error rates, increased productivity, quicker decisions and ultimately improved quality. In addition to these essential skills, students gain the most current knowledge of influencing factors, such as laws, regulations and issues such as fraud.

All courses for the CRU are web-based. All courses can be accessed from anywhere, at anytime. Once enrolled in a course, a student has 12 months to complete it.

Name Description
Basic: Achievement Certificate Recognizes professionals who have achieved a foundation of knowledge in residential underwriting. Many leading companies have pursued this certification for their underwriting personnel.
Intermediate: Professional Certificate Designed for residential underwriters seeking recognition for continued excellence in education and professionalism. Many leading companies have pursued this certification for their underwriting personnel.
Advanced: Specialist Designation Offered exclusively by MBA Education, the education division of the Mortgage Bankers Association (MBA), elevates underwriting to a higher level of professionalism through enhanced processes and increased efficiencies. CRU Designees have the knowledge and confidence to perform better and bring more value to their companies.

Prerequisites: Generally a minimum of one year of industry experience is recommended to begin the CRU curriculum.

Enterprise Enrollment: Certify your servicing staff through this program. Learn more about MBA Education's Enterprise Certificate Progams , or call (800) 793-6222 (select option 3).
More CRU Information

CRU Program Brochure
Forms


Basic
Residential Underwriter
Achievement Certificate

Prerequisites

  • New to one year of industry experience is recommended
Step 1:
Enroll in the Basic Achievement Certificate


Option 1: Regular Enrollment
Enroll in the program and exam only (COURSES NOT INCLUDED).


Option 2: Complete Package Enrollment
Enroll in the program, courses and exam for a special price.


Step 2:
Complete Required Basic Curriculum

Complete the following five web-based courses. If you chose option 1 above, you will need to enroll in each of the courses separately.

Please note: You don’t need to enroll in the program to take any of the courses listed above.

Step 3: Pass the Basic Exam

Pass the Basic comprehensive exam. Passing the test earns the Residential Underwriter Achievement Certificate.

Please note: You must be enrolled into the program to take the Basic exam and earn a certificate. The exam is included in all registration options.

Next steps: While many individuals and companies choose to conclude their education with this achievement certificate, many continue on to complete the Intermediate Residential Underwriter Professional Certificate.


Intermediate
Residential Underwriter
Professional Certificate

Prerequisites:

  • One to two years of industry experience is recommended
  • Completion of the Residential Underwriter Achievement Certificate (Basic)
Step 1:
Enroll in the Intermediate Professional Certificate


Option 1: Regular Enrollment
Enroll in the program and exam only (COURSES NOT INCLUDED).


Option 2: Complete Package Enrollment
Enroll in the program, courses and exam for a special price.


Step 2:
Complete Required Intermediate Curriculum


Complete the following five web-based courses. If you chose option 1 above, you will need to enroll in each of the courses separately.

Please note: You don’t need to enroll in the program to take any of the courses listed above.

Step 3: Pass the Intermediate Exam


Pass the Intermediate comprehensive exam. Passing the test earns the Intermediate Residential Underwriter Professional Certificate.

Please note: You must be enrolled into the program to take the Intermediate exam and earn a certificate. The exam is included in all registration options.

Next steps: While many individuals and companies choose to conclude their education with this professional certificate, many continue on to complete the Advanced Certified Residential Underwriter (CRU) Designation.


Advanced
Certified Residential Underwriter
(CRU) Specialist Designation

Prerequisites:

  • Two or more years of industry experience is recommended
  • Completion of the Residential Underwriter Achievement Certificate (Basic) and Professional Certificate (Intermediate)
Step 1:
Enroll in the Specialist Designation

Option 1: Regular Enrollment
Enroll in the program only (COURSES AND EXAM NOT INCLUDED).


Option 2: Complete Package Enrollment
Enroll in the program and courses for a special price (the exam fee is not included).


Step 2:
Complete Required Advanced Curriculum


Required Courses: Please note: You don’t need to enroll in the program to take any of the courses listed above.

Step 3:
Enroll in and pass the Advanced Exam


Pass the Advanced Certified Residential Underwriter (CRU) comprehensive exam. Passing the test earns the Certified Residential Underwriter (CRU) Designation.



Recertification: Maintain your designation by completing five points of continuing education every two years. Continuing education can be earned by successfully completing any self-study course not previously taken or by attending MBA conferences and/or conventions. Prior to the end of the two-year period, designees must complete the Recertification Form and submit it with a $100 recertification fee.

Next steps: If you have been in the business five or more years, consider becoming a Commercial or Residential Certified Mortgage Banker (CMB) designee.

Support for the CRU Designation

Thanks to Genworth Mortgage Insurance for its support of the CRU Designation.

The courses and content of Genworth Mortgage Insurace have been implemented into the program curriculum to complement MBA Education's current offerings to the real estate finance industry.



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