Residential Underwriting Certificate and Designation Program

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

LEVELS

Basic: Recognizes professionals who have achieved a foundation of knowledge in residential underwriting. Many leading companies have pursued this certification for their underwriting personnel.

Intermediate: 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: 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.

Basic: Residential Underwriter Achievement Certificate

Prerequisites

  • New to one year of industry experience is recommended

Step 1:
Enroll in the Basic Achievement Certificate


Enroll in the program, courses and exam for a special price.

Register Now 

Step 2:
Complete Required Basic Curriculum

Complete the following five web-based courses. 

  • Basics of Automated Underwriting Web Series 
  • Introduction to Single Family Appraisals Web Series
  • Mortgage Banking Primer Web Series
  • Residential Underwriting Basics Web Series
  • Understanding Personal Tax Returns Web Series


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. 

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 and Advanced Certified Residential Underwriter (CRU) designation. 

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

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

Register Now

Step 2:
Complete Required Intermediate Curriculum


Complete the following five web-based courses.

  • Detecting Mortgage Loan Fraud Web Series 
  • Regulatory Compliance in Loan Origination Web Series
  • Risk Assessment Using Credit Scores Web Series
  • Underwriting Beyond the Basics Web Series
  • Underwriting Construction to Permanent Loans Web Series


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. 

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

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


Register Now 

Step 2:

Complete the following five web-based series of courses.

  • Evaluating Business Tax Returns Web Series 
  • Manual Approach to Underwriting Web Series
  • Underwriting Alternative Mortgage Products Web Series
  • Underwriting Properties with Collateral Challenges Web Series
  • Underwriting Requirements for Manufactured Housing Web Series

Step 3:
Pass the Advanced Exam
 

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


Please note:  You must be enrolled in the Advanced Residential Underwriter program to take the Advanced exam and earn the Certified Residential Underwriter (CRU) designation. 


Recertification: Maintain your designation by completing two (2) 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.