2018 – 2019
Florida Department of Education
Curriculum Framework 

Program Title:	Mortgage Loan Originator
Program Type:	Career Preparatory
Career Cluster:	Finance

This program is daggered for deletion with 2018-2019 being the last year for new enrollments.  

PSAV	
Program Number	M807050	
CIP Number	0252080904	
Grade Level	N/A	
Standard Length	20 hours	
Teacher Certification	Refer to the Program Structure section.	
CTSO	Collegiate DECA
Phi Beta Lambda	
SOC Codes 	13-2072 – Loan Officers	
CTE Program Resources 	http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml	
Basic Skills Level	N/A	

Purpose

This program offers a sequence of courses that provides coherent and rigorous content aligned with challenging academic standards and relevant technical knowledge and skills needed to prepare for further education and careers in the Finance career cluster; provides technical skill proficiency, and includes competency-based applied learning that contributes to the academic knowledge, higher-order reasoning and problem-solving skills, work attitudes, general employability skills, technical skills, and occupation-specific skills, and knowledge of all aspects of the Finance career cluster. 

Additional Information relevant to this Career and Technical Education (CTE) program is provided at the end of this document.

Program Structure

This program is a planned sequence of instruction consisting of one occupational completion points.

This program is comprised of courses which have been assigned course numbers in the SCNS (Statewide Course Numbering System) in accordance with Section 1007.24 (1), F.S.  Career and Technical credit shall be awarded to the student on a transcript in accordance with Section 1001.44(3)(b), F.S.

To teach the courses listed below, instructors must hold at least one of the teacher certifications indicated for that course.

The following table illustrates the postsecondary program structure:

OCP	Course Number	Course Title	Teacher Certification	Length	SOC Code	
A	REE0092	Mortgage Loan Originator	Approval by Nationwide Mortgage Licensing System (NMLS)	20 hours	13-2072	

Common Career Technical Core – Career Ready Practices

Career Ready Practices describe the career-ready skills that educators should seek to develop in their students.  These practices are not exclusive to a Career Pathway, program of study, discipline or level of education.  Career Ready Practices should be taught and reinforced in all career exploration and preparation programs with increasingly higher levels of complexity and expectation as a student advances through a program of study. 

1. Act as a responsible and contributing citizen and employee. 

2. Apply appropriate academic and technical skills. 

3. Attend to personal health and financial well-being. 

4. Communicate clearly, effectively and with reason. 

5. Consider the environmental, social and economic impacts of decisions. 

6. Demonstrate creativity and innovation. 

7. Employ valid and reliable research strategies. 

8. Utilize critical thinking to make sense of problems and persevere in solving them. 

9. Model integrity, ethical leadership and effective management. 

10. Plan education and career path aligned to personal goals. 

11. Use technology to enhance productivity. 

12. Work productively in teams while using cultural/global competence. 

Standards

After successfully completing this program, the student will be able to perform the following:

01.0	Demonstrate mathematics knowledge and skills.
02.0	Use oral and written communication skills in creating, expressing and interpreting information and ideas. 
03.0	Demonstrate language arts knowledge and skills.
04.0	Solve problems using critical thinking skills, creativity and innovation.
05.0	Use information technology tools.
06.0	Demonstrate leadership and teamwork skills needed to accomplish team goals and objectives.
07.0	Demonstrate personal money-management concepts, procedures, and strategies.
08.0	Describe the roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment.
09.0	Describe the importance of professional ethics and legal responsibilities.
10.0	Explain the importance of employability and entrepreneurship skills.
11.0	Demonstrate an understanding of federal mortgage-related laws. 
12.0	Demonstrate knowledge of mortgage in general.
13.0	Demonstrate a clear knowledge of the activities of mortgage loan origination.
14.0	Describe the importance of professional ethics.
15.0	Identify the Office of Financial Regulation.
16.0	Demonstrate an understanding of the State Law and Regulation Definitions.
17.0	Demonstrate an understanding of Florida License Law and Regulation.
18.0	Demonstrate an understanding of Mortgage Originator Compliance.
19.0	Examine ways for disciplinary action.
20.0	Demonstrate an understanding of unique state test areas.
21.0	

2018 – 2019
Florida Department of Education
Student Performance Standards

Program Title:	Mortgage Loan Originator
PSAV Number:	M807050

Course Number:  REE0092 
Occupational Completion Point:  A 
Mortgage Loan Officer – 20 Hours – SOC Code 13-2072	
01.0	Demonstrate mathematics knowledge and skills – the students will be able to:	
01.01	Demonstrate knowledge of arithmetic operations.	
01.02	Analyze and apply data and measurements to solve problems and interpret documents.	
01.03	Construct charts/tables/graphs using functions and data.	
02.0	Use oral and written communication skills in creating, expressing and interpreting information and ideas – the students will be able to:	
02.01	Select and employ appropriate communication concepts and strategies to enhance oral and written communication in the workplace.	
02.02	Locate, organize and reference written information from various sources.	
02.03	Design, develop and deliver formal and informal presentations using appropriate media to engage and inform diverse audiences.	
02.04	Interpret verbal and nonverbal cues/behaviors that enhance communication.	
02.05	Apply active listening skills to obtain and clarify information.	
02.06	Develop and interpret tables and charts to support written and oral communications.	
02.07	Exhibit public relations skills that aid in achieving customer satisfaction.	
03.0	Demonstrate language arts knowledge and skills – the students will be able to:	
03.01	Locate, comprehend and evaluate key elements of oral and written information	
03.02	Draft, revise, and edit written documents using correct grammar, punctuation and vocabulary.	
03.03	Present information formally and informally for specific purposes and audiences.	
04.0	Solve problems using critical thinking skills, creativity and innovation – the students will be able to:	
04.01	Employ critical thinking skills independently and in teams to solve problems and make decisions.	
04.02	Employ critical thinking and interpersonal skills to resolve conflicts.	
04.03	Identify and document workplace performance goals and monitor progress toward those goals.	
04.04	Conduct technical research to gather information necessary for decision-making.	
05.0	Use information technology tools – the students will be able to:	
05.01	Use personal information management (PIM) applications to increase workplace efficiency.	
05.02	Employ technological tools to expedite workflow including word processing, databases, reports, spreadsheets, multimedia presentations, electronic calendar, contacts, email, and internet applications.	
05.03	Employ computer operations applications to access, create, manage, integrate, and store information.	
05.04	Employ collaborative/groupware applications to facilitate group work.	
06.0	Demonstrate leadership and teamwork skills needed to accomplish team goals and objectives – the students will be able to:	
06.01	Employ leadership skills to accomplish organizational goals and objectives.	
06.02	Establish and maintain effective working relationships with others in order to accomplish objectives and tasks.	
06.03	Conduct and participate in meetings to accomplish work tasks. 	
06.04	Employ mentoring skills to inspire and teach others.	
07.0	Demonstrate personal money-management concepts, procedures, and strategies – the students will be able to:	
07.01	Identify and describe the services and legal responsibilities of financial institutions.	
07.02	Describe the effect of money management on personal and career goals.	
07.03	Develop a personal budget and financial goals.	
07.04	Complete financial instruments for making deposits and withdrawals.	
07.05	Maintain financial records.	
07.06	Read and reconcile financial statements.	
07.07	Research, compare and contrast investment opportunities.	
08.0	Describe the roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment – the students will be able to: 	
08.01	Describe the nature and types of business organizations.	
08.02	Explain the effect of key organizational systems on performance and quality. 	
08.03	List and describe quality control systems and/or practices common to the workplace.	
08.04	Explain the impact of the global economy on business organizations.	
09.0	Describe the importance of professional ethics and legal responsibilities – the students will be able to:	
09.01	Evaluate and justify decisions based on ethical reasoning.	
09.02	Evaluate alternative responses to workplace situations based on personal, professional, ethical, legal responsibilities, and employer policies.	
09.03	Identify and explain personal and long-term consequences of unethical or illegal behaviors in the workplace.	
09.04	Interpret and explain written organizational policies and procedures.	
10.0	Explain the importance of employability and entrepreneurship skills – the students will be able to:	
10.01	Identify and demonstrate positive work behaviors needed to be employable.	
10.02	Develop personal career plan that includes goals, objectives, and strategies.	
10.03	Examine licensing, certification, and industry credentialing requirements.	
10.04	Maintain a career portfolio to document knowledge, skills, and experience.	
10.05	Evaluate and compare employment opportunities that match career goals.	
10.06	Identify and exhibit traits for retaining employment.	
10.07	Identify opportunities and research requirements for career advancement.	
10.08	Research the benefits of ongoing professional development.	
10.09	Examine and describe entrepreneurship opportunities as a career planning option.	
11.0	Demonstrate an understanding of federal mortgage-related laws – the student will be able to:	
11.01	Identify and explain RESPA.	
11.02	Describe the Equal Credit Opportunity Act (Reg. B).	
11.03	Explain the Truth-in-Lending Act.	
11.04	Identify and explain the SAFE Act.	
11.05	List and explain other Federal Laws and guidelines.	
12.0	Demonstrate knowledge of mortgage in general – the student will be able to:	
12.01	List and discuss the various mortgage programs.	
12.02	List and describe the mortgage loan products.	
12.03	List the terms used in the operation of the mortgage market.	
13.0	Demonstrate a clear knowledge of the activities of mortgage loan origination – the student will be able to:	
13.01	Describe the application information and requirements.	
13.02	Describe qualification processing and underwriting.	
13.03	Identify and describe the specific program guidelines.	
13.04	Describe the closing procedures and the responsible parties.	
13.05	Explain the financial calculations used in mortgage lending.	
14.0	Describe the importance of professional ethics – the student will be able to:	
14.01	Identify and explain RESPA.	
14.02	Identify and discuss the Gramm-Leach-Bliley Act.	
14.03	Identify and discuss the Truth-in-Lending Act.	
14.04	Identify and discuss the Equal Credit Opportunity Act.	
14.05	Identify and explain the appraisal procedures.	
14.06	Describe fraud detection, reporting and prevention procedures.	
14.07	Discuss ethical behavior of the parties involved in mortgage loan origination.	
15.0	Identify  the Office of Financial Regulation – the student will be able to:	
15.01	Examine Regulatory Authority.	
15.02	Examine and discuss the department/agency structure.	
15.03	List and discuss the responsibilities and limitations.	
16.0	Demonstrate an understanding of the State Law and Regulation Definitions – the student will be able to:	
16.01	Examine the Florida Statue Chapter 494.	
16.02	Examine Rules 69V-40.001-40.290, F.A.C.	
16.03	Examine Other State Law and Regulation Definitions.	
17.0	Demonstrate an understanding of Florida License Law and Regulation – the student will be able to:	
17.01	Examine licensing requirements.	
17.02	Examine the licensee qualifications and application process.	
17.03	Examine and explain the grounds for denying a license.	
17.04	Examine license maintenance.	
17.05	Examine the Mortgage Guaranty Trust Fund.	
18.0	Demonstrate an understanding of Mortgage Originator Compliance – the student will be able to:	
18.01	List and discuss prohibited conduct and practices.	
18.02	Examine the required conduct.	
18.03	List and discuss fees and charges.	
18.04	List and discuss disclosures and agreements.	
18.05	Examine ways for advertising.	
18.06	List and discuss escrow account and requirements.	
19.0	Examine ways for disciplinary action – the student will be able to:	
19.01	Examine notifications, hearings, and appeals.	
19.02	Examine suspension, revocation, and rescission of licenses.	
19.03	Examine and discuss penalties and fines.	
20.0	Demonstrate an understanding of unique state test areas – the student will be able to:	
20.01	Explain the Florida Homestead Exemption Law.	
20.02	Explain the Florida Anti-Coercion Law.	
20.03	Explain Lien Theory/Title Theory Mortgage State.	
20.04	List and explain the Florida Loan Modification requirements.	

Additional Information

Laboratory Activities

Laboratory investigations that include scientific inquiry, research, measurement, problem solving, emerging technologies, tools and equipment, as well as, experimental, quality, and safety procedures are an integral part of this career and technical program/course. Laboratory investigations benefit all students by developing an understanding of the complexity and ambiguity of empirical work, as well as the skills required to manage, operate, calibrate and troubleshoot equipment/tools used to make observations. Students understand measurement error; and have the skills to aggregate, interpret, and present the resulting data. Equipment and supplies should be provided to enhance hands-on experiences for students.

Special Notes

MyCareerShines is an interactive resource to assist students in identifying their ideal career and to enhance preparation for employment. Teachers are encouraged to integrate this resource into the program curriculum to meet the employability goals for each student.  Access MyCareerShines by visiting: www.mycareershines.org.

Career and Technical Student Organization (CTSO)

Collegiate DECA and Phi Beta Lambda are the intercurricular career and technical student organizations providing leadership training and reinforcing specific career and technical skills.  Career and Technical Student Organizations provide activities for students as an integral part of the instruction offered.  

Cooperative Training – OJT

On-the-job training is appropriate but not required for this program.  Whenever offered, the rules, guidelines, and requirements specified in the OJT framework apply. 

Accommodations

Federal and state legislation requires the provision of accommodations for students with disabilities to meet individual needs and ensure equal access. Postsecondary students with disabilities must self-identify, present documentation, request accommodations if needed, and develop a plan with their counselor and/or instructors. Accommodations received in postsecondary education may differ from those received in secondary education. Accommodations change the way the student is instructed. Students with disabilities may need accommodations in such areas as instructional methods and materials, assignments and assessments, time demands and schedules, learning environment, assistive technology and special communication systems. Documentation of the accommodations requested and provided should be maintained in a confidential file.

Note: postsecondary curriculum and regulated secondary programs cannot be modified.

Additional Resources

For additional information regarding articulation agreements, Bright Futures Scholarships, Fine Arts/Practical Arts Credit and Equivalent Mathematics and Equally Rigorous Science Courses please refer to:
http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml.