Learner OS v0

Your first Mortgage Dorks learning loop.

Build a learner profile, run one real scenario, and turn interest into progress before the CE approval work arrives.

Track progress

0 of 5 reps complete

First path: deal reading, guideline translation, AI workflow structure, and CE-readiness practice.

Remaining

Minutes

Status

New

Storage

Local

First path

The Deal Desk: 5 real borrower scenarios

Full curriculum

Non-credit practice

School classroom

Full Mortgage Dorks school map

The complete Season 1 classroom is now here: onboarding, glossary, deal reps, guidelines, partner scripts, AI, webinars, marketing, and relationship systems.

Modules

Lessons

Minutes

486

Course 00 · Onboarding

Module 0 - Start Here

Free room7 lessons

By the end, a new member knows what the room is for, what not to post, and how to get a useful first win in under 20 minutes.

Set up a profile that tells other members how to help you.

Understand the community values and the no-PII file-sharing standard.

Claim the first practical artifact: the self-employed intake one-pager.

Know where to post intros, deal questions, wins, and guideline asks.

Lesson 1 · 4 minWelcome to the DorksExplain why the room exists and make the member comfortable asking the question they have been pretending to understand.Lesson 2 · 5 minSkool Setup: Profile, Categories, First 3 MovesGet a new member oriented fast so their first ten minutes create signal instead of noise.Lesson 3 · 9 minScrub School: How to Remove PII Before PostingTeach members to turn a risky real-file post into a safe synthetic scenario before the community ever sees it.Lesson 4 · 6 minWhat Kind of Dork Are You?Help MLOs, AEs, Realtors, processors, and tech-curious members find the fastest useful path through the room.Lesson 5 · 7 minHow to Ask a Clean File QuestionTurn messy file anxiety into a question another professional can actually answer.Lesson 6 · 9 minSelf-Employed Intake One-PagerGive members a practical intake sheet they can use before wasting a week on the wrong income path.Lesson 7 · 8 minYour First Deal Help PostTurn one safe scenario into one useful ask and one useful comment, so the member practices the community loop.

Course 01 · Glossary

The Glossary - Learn the Language

Free room10 lessons

The free tier should be genuinely useful. These lessons explain the words people hear every day but rarely get taught cleanly.

Translate common mortgage terms into borrower-safe language.

Know which terms matter before a file goes sideways.

Build the vocabulary needed for Deal Desk and Guideline Decoder lessons.

Lesson 1 · 6 minDTI Without the Eye-GlazeMake debt-to-income simple enough to explain without making it wrong.Lesson 2 · 6 minLTV, CLTV, and HCLTVExplain why a second lien or HELOC can change a file even when the first loan looks fine.Lesson 3 · 7 minOverlays: Guideline Says Yes, Lender Says NoShow why a file can be technically eligible and still not fit a specific lender.Lesson 4 · 7 minPre-Qual vs Pre-Approval vs UnderwrittenGive Realtors and borrowers cleaner language for the strength of a financing letter.Lesson 5 · 7 minWarrantable vs Non-WarrantableSeparate borrower strength from condo project eligibility and lender appetite.Lesson 6 · 8 minNon-QM in One PageExplain Non-QM without making it sound like a last-chance junk drawer.Lesson 7 · 7 minBank Statement LoansStop treating deposits as automatic income.Lesson 8 · 7 minDSCR Without the Fairy DustExplain DSCR as property cash-flow math, not a magic borrower-income bypass.Lesson 9 · 7 minRate Lock MechanicsMake rate locks understandable without turning the lesson into a quote or pricing promise.Lesson 10 · 8 minPoints, Credits, and APRExplain cost-versus-rate tradeoffs without sloppy fee or APR language.

Course 02 · Deal Desk

Deal Desk

Paid track9 lessons

Deal Desk turns messy borrower facts into a clean next move: what to verify, what to stop assuming, and which product path deserves oxygen.

Read a loan file in the order risk usually appears.

Separate documentation risk from product-fit risk.

Build a next-document ask that moves the file instead of creating noise.

Know when to restructure, pivot, pause, or decline gracefully.

Lesson 1 · 12 minAnatomy of a Loan FileTeach members to read a file in a calm order instead of chasing the loudest problem.Lesson 2 · 11 minThe First 90 Seconds of a FileTeach the first veteran scan: what must be true for this file to close, and what could kill it fastest.Lesson 3 · 12 minFacts vs Assumptions vs Missing ProofStop letting borrower claims, team guesses, and verified facts sit in the same pile.Lesson 4 · 13 minIncome Is Not VibesTeach the difference between income the borrower feels and income the file can use.Lesson 5 · 12 minAssets: Money Is Not Always Usable MoneyShow why bank balance, cash to close, and usable/reserve funds are different conversations.Lesson 6 · 11 minCredit and Liabilities: The Quiet Deal KillersSpot the liabilities and credit facts that look small until they change the approval.Lesson 7 · 14 minThe Decision Matrix: Fight, Fix, Pivot, Pause, DeclineGive members a repeatable way to choose the next move without ego.Lesson 8 · 14 minSelf-Employed Investor With Reserve WobbleSeparate income support, reserve depth, and investor exposure before picking a product.Lesson 9 · 10 minConditions Are Not PunishmentTeach members to read conditions as questions, not insults.

Course 03 · Guideline Decoder

Guideline Decoder

Paid track3 lessons

Guideline Decoder helps members understand what the rule is, what the overlay is, and what exception request has a real chance.

Read a guideline as a decision tree.

Know how to ask an AE for help without asking them to do magic.

Identify when a file needs a restructure instead of an argument.

Classify blockers by source, date, channel, risk bucket, and exception owner.

Lesson 1 · 12 minRead a Guideline Like an AETeach members to turn a guideline, overlay, matrix note, AUS condition, or investor answer into a clean decision tree.Lesson 2 · 12 minWhich Exceptions Are Real?Show the difference between a request an AE can champion and a request that does not address the actual credit or eligibility risk.Lesson 3 · 11 minCondo File Pretending to Be SimpleSpot project risk before a clean borrower tricks everyone into relaxing.

Course 04 · Referral Translator

Referral Translator

Paid track3 lessons

Referral Translator gives MLOs and Realtors scripts for the moments where financing language can save or wreck trust.

Explain financing risk without making partners feel dumb.

Ask better lender questions before writing an offer.

De-escalate timelines, shaky approvals, and appraisal-gap pressure.

Handle preferred-lender and cross-qualification pressure without sounding defensive.

Lesson 1 · 10 minThe Realtor Red-Flag CallTeach a partner-facing call that protects the deal without hiding the risk.Lesson 2 · 9 minThe Impossible Close DateHelp members push back on timelines without sounding unhelpful.Lesson 3 · 11 minThe 'Just Use My Lender' MomentDefend the borrower’s lender choice without sounding insecure, anti-agent, or allergic to cross-qualification.

Course 05 · AI Workflow Lab

AI Workflow Lab

Paid track3 lessons

AI Workflow Lab helps members build structured, compliant-adjacent support tools without pretending AI is an underwriter.

Use AI to summarize known facts, missing facts, and next asks.

Build reusable scripts for borrower and partner updates.

Avoid letting AI invent guideline answers or private facts.

Review every AI draft for invented facts, certainty language, private data, and unsourced claims.

Lesson 1 · 12 minFile Note to Next MoveTurn a messy file thread into a clean internal summary and next-document ask.Lesson 2 · 10 minBorrower Explainer Drafting AssistantDraft plain-English explanations that sound like a helpful human, then review them like a professional.Lesson 3 · 13 minThe Dork Prompt Kit v1Give members a reusable prompt system for file notes, partner updates, borrower explanations, Skool posts, and guideline questions.

Course 06 · CE Concepts

Non-Credit CE Concepts Preview

Paid track2 lessons

Non-Credit CE Concepts Preview teaches the concepts and pacing style Mortgage Dorks wants to own later, while being explicit that no current NMLS credit is earned, offered, or reported.

Understand the annual CE shape without implying current credit.

Practice compliance concepts through real-world scenarios.

Build a year-round learning rhythm before renewal panic.

Lesson 1 · 9 minCE Without the December CramExplain the year-round habit layer while keeping credited CE future-tense and separate.Lesson 2 · 8 minNon-Credit SAFE Concepts, DecodedExplain the rough shape of annual CE without implying Mortgage Dorks currently grants credit.

Course 07 · Live Webinars

Live Webinar Room

Paid track3 lessons

The webinar room gives members recurring live reps: ask cleaner questions, watch veteran file reads, and leave with one usable move.

Know how to prepare a safe question for a live session.

Use live file-board reps without exposing borrower information.

Turn webinar notes into a next action, not just inspiration.

Lesson 1 · 8 minHow to Bring a File to Live Office HoursTeach members to submit a safe, useful live question before office hours starts.Lesson 2 · 10 minMonthly Market Myths WebinarGive Mortgage Dorks a repeatable monthly event that turns noisy market takes into useful client and partner language.Lesson 3 · 8 minGuest Expert AMA Without ChaosCreate a repeatable AMA format where guests teach clearly and members ask better questions.

Course 08 · Replays

Webinar Replay Library

Paid track2 lessons

The replay library makes webinars compound: every event becomes a recap, clips, scripts, templates, and a Skool discussion prompt.

Turn a replay into a lesson asset with timestamps and action prompts.

Create clips and summaries that point back to the classroom.

Use webinar follow-up to drive community activity and paid-track value.

Lesson 1 · 9 minMake the Replay TeachConvert a 60-minute recording into a useful classroom asset in under an hour.Lesson 2 · 10 minWebinar Follow-Up FunnelTurn attendance into community activity, replies, and next-session momentum without spam.

Course 09 · Marketing

Marketing Engine

Paid track4 lessons

Marketing Engine gives members repeatable content, offers, follow-up, and local authority plays without hype or compliance roulette.

Build a weekly content system from real teaching assets.

Create lead magnets and webinar offers that do not overpromise.

Use testimonials, proof, and local authority ethically.

Measure marketing by conversations, appointments, and trust signals.

Lesson 1 · 10 minOne Problem, One PostTurn mortgage complexity into simple posts that teach one useful thing at a time.Lesson 2 · 12 minLead Magnet That Earns the ReplyBuild a practical downloadable asset that starts a useful conversation instead of collecting cold emails.Lesson 3 · 10 minProof Without PromisingUse success stories, testimonials, and lessons learned without implying guaranteed outcomes.Lesson 4 · 11 minThe Weekly Content MachineCreate a weekly publishing rhythm from lessons, webinars, FAQs, and partner conversations.

Course 10 · Relationships

Customer Relationship Engine

Paid track5 lessons

Relationship Engine teaches the small communication habits that turn borrowers, Realtors, and past clients into durable trust loops.

Set expectations without overpromising.

Create borrower and referral-partner update rhythms.

Recover trust when a file gets stressful.

Build post-close and annual check-in loops that feel useful, not needy.

Lesson 1 · 11 minThe First-Call Trust MapTurn the first borrower call into a clear expectation-setting conversation.Lesson 2 · 10 minBorrower Update RhythmCreate calm borrower updates that reduce anxiety without hiding risk.Lesson 3 · 11 minRealtor Partner CadenceCreate a partner update cadence that informs without over-sharing borrower details.Lesson 4 · 12 minTrust Recovery When a File Goes SidewaysTeach members how to communicate when a file changes, delays, or loses a path.Lesson 5 · 10 minThe Post-Close Relationship LoopTurn closing from the end of the transaction into the beginning of a useful long-term relationship.

Active rep

Self-employed investor with reserve wobble

A self-employed borrower wants an investment property. Income looks workable, but reserves, property count, and timing create three different answers.

Open detailed lesson page

Signal

The deal is not one problem. It is income support, reserve depth, and investor exposure moving at once.

Clean ask

Ask for year-to-date P&L, current business assets, property schedule, and target close date before naming a product.

Partner language

Say: 'I think we have a path, but the answer changes if reserves are personal-only versus business-supported.'

Confidence check

Mark the rep when the next move feels clear.

Auth ready

Profile shape matches the future Clerk user layer.

Progress ready

Lesson completion has the fields the app and DB will need.

CE safe

Practice content stays separate from approval claims.

First loop

One path that proves habit and completion.

Signals

Role, focus, cohort status, and confidence.

CE later

Future approved content remains separately governed.

Expo next

The same learner state can become mobile-native.