Programs by Sean

Click here to download a complete list of Sean's programs.

USDA 1X Close No Down Payment 
Construction to Permanent Loan

Can you build a new home with No Down Payment under the USDA program? What are the steps to building a new home with a USDA construction loan? We all know that it can be an exciting process to build and customize your new home, but it is also common for banks to require at least a 20% down payment. However, under the USDA Single-Close Construction to Permanent Loan there is No Down payment required and this course will provide Realtors with a deeper understanding of the USDA Construction process.  As being one of the first Florida USDA Approved Lenders to offer this program, Sean Stephens with Metroplex Mortgage Services will walk you through the process step by step and provide another valuable way to help your clients despite the  housing inventory challenges facing everyone. 2 hours CE credit

USDA 101

Approved for 3 hours CE credit

The USDA Rural Housing Program can open up the path to homeownership and increase a pool of potential homebuyers for your Realtors. With 100% financing, fixed rates, and flexible credit qualifying, this rural housing program is sought after by consumers and knowing the basics is critical for Realtors. Below is a short video clip that will discuss the class in detail. This program provides the Realtor with a deeper understanding of eligibility requirements, credit qualifications, how to finance closing costs, dispel common myths, and much more. They’ll learn the steps from A to Z on the USDA loan process and how to market the program along with the many benefits it offers to homebuyers. Don’t miss this presentation of the only USDA specific CE course in Florida! 

A Realtor’s Guide to VA Loans

This program provides Realtors with everything they need to know about VA Loans for a expert lender’s perspective. From Eligibility and Entitlement to processing, credit qualifying and closing. You will leave well-armed to serve your next VA customer!3 hours CE.

Credit Scoring 1-2-3

In this 2-hour program, veteran mortgage lender Sean Stephens reviews the basics credit, credit scores and its impact on your customer obtaining a mortgage. He’ll review various steps that your customer can take to improve their credit. As a veteran mortgage lender, Sean will also discuss the option your customer has should they have poor credit. 2 hours CE credit.

FHA, USDA and VA

Realtors learn the common trains and benefit of government loans, credit qualifying and FHA unique program features. Sean also touches on VA and its features and credit qualifying. Then he’ll also cover USDA financing and who is eligible. You’ll also learn how to expand your business and reach even more customers. 4 hours CE credit.

USDA & VA 100% Financing

In this 2-hour review, veteran mortgage lender Sean Stephens reviews the basics of VA and USDA financing. He’ll discuss WHO qualifies and which PROPERTIES qualify. You’ll learn how a credit score impacts the qualification of both of theses loans. You’ll also learn how to calculate the veteran’s home loan entitlement amount as well as help your customer determine if they are eligible for a USDA loan. 2 hours CE credit

USDA, VA, FHA & Conventional—Which Loan is Best for YOUR Customer?

This program reviews USDA, VA, FHA and Conventional Financing. Veteran mortgage lender compares the 4 different types of loans and the pros and cons of each. This arms you as the Realtor with more information to help YOUR customer determine which loan product is best for them in their current financial situation and credit rating. 3 hours CE credit

Luxury Buyer Loan Options

This program reviews the Fannie Mae and Freddie mad guidelines associated with owning a second hom. You’ll also learn about Seller Concessions and how they affect the financing. Sean explains how conventional PMI applies to a luxury purchase mortgage and reviews some of the various documents that your customer will see during the mortgage process. 2 hours CE credit.