For NMLS test-takers, newly licensed LOs & working loan officers
Your license gets you in the door. It doesn't fill your pipeline.
Live and on-demand training for mortgage professionals who want steady income and a book of business that keeps growing.
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$49/month. Cancel anytime. Join the waitlist for first access when doors open.
You can learn the rules of this business in a few weeks. Nobody teaches you how to get the next file.
The SAFE test covers compliance, disclosures, and ethics. Pre-licensing covers the law. Both matter.
But neither one shows you how to talk to a realtor who already has three lenders, how to structure a deal for a self-employed borrower with messy returns, or what to post so people in your city know you do loans.
So you get licensed, get a login and a rate sheet, and hear the same advice everyone hears: "Just make calls."
Feast or famine is not a business plan.
One month you close four loans. The next month you close none, and you don't know why either happened.
That's the part that wears people down. Not the work. The not knowing.
You buy leads that were sold to five other LOs. You chase realtors who only call you when their usual lender drops the ball. You lose a borrower you could have helped because you didn't know which program fit, and the LO down the street did.
Meanwhile, the "training" you get is a sink-or-swim onboarding call and a folder of PDFs. That model burns through good people every year. The problem was never your ability. It was never being shown the whole system.
If nothing changes, next year looks like this year.
Same inconsistent paychecks. Same dependence on whoever feels like sending you a file. Same feeling that you're one slow quarter away from going back to a salary.
You didn't get into mortgage to hope for income. You got into it because you saw what a producing loan officer can build. That's still available to you. It just doesn't happen by accident.
Introducing
Loan Officer Academy
A live training community on Skool that takes you from licensed to producing, and from producing to predictable. Not a course you buy and forget. Classes you show up to, every week.
How it works
The Producer Path
Everything inside the Academy follows five stages. Wherever you are right now, you start where you are and build forward.
Know your products
Conventional, FHA, VA, USDA, jumbo, and non-QM options like bank statement and DSCR loans. When a borrower doesn't fit the box, you'll know which box they do fit.
Structure the deal
Real scenarios, worked live: debt-to-income fixes, self-employed income, down payment assistance, and when to restructure instead of decline.
Market yourself like a professional
Your personal brand, your social content, and the way you show up in your market, so people know your name before they need a loan.
Build your book of business
Realtor partnerships, past-client follow-up, and a pipeline you can actually see, so your next month doesn't depend on luck.
Make clients repeatable and referable
A client experience people talk about, and a follow-up system that brings them back for the refi, the rental, and their sister's first home.
The schedule
Your first 90 days.
Live classes Monday, Tuesday, and Wednesday at 12 PM ET, starting November 2, 2026. Every class is teaching plus Q&A, and every class is recorded.
Start where you are. New to the business? Start with the Week 1 replays. New or experienced, you can join the live class we're on and catch up on replays later.
Foundation
Weeks 1–9 · Nov 2 – Jan 6
From pre-licensing to producing to leading a branch.
Week 1The business of being an LONov 2–4
- MonHow LOs get paid, and the math from income goal to loans per month
- TueWhere to hang your license, and what to ask before you join a team
- WedYour 90-day business plan
Week 2The life of a loanNov 9–11
- MonFrom lead to funding: pre-qual to closing
- TueCredit, DTI, LTV, and reserves
- WedProtect your license: TRID, RESPA, fair lending, and advertising rules
Week 3Loan products INov 16–18
- MonConventional and PMI
- TueFHA
- WedVA and USDA
Week 4Loan products IINov 30 – Dec 2
- MonJumbo and non-QM: bank statement, DSCR, asset depletion
- TueDown payment assistance, first-time buyer programs, and renovation loans
- WedRefinances: rate/term, cash-out, and FHA and VA streamlines
Week 5Market yourself as a professionalDec 7–9
- MonYour personal brand and niche
- TueSocial content that builds trust, and advertising compliance
- WedSetting up your database and CRM
Week 6Referral partnersDec 14–16
- MonRealtor partnerships: getting the meeting and keeping the relationship
- TueCPAs, financial planners, builders, attorneys, and investors
- WedCo-marketing and open houses, done within RESPA
Week 7Repeatable and referable clientsDec 21–23
- MonThe consultation and pre-approval conversation
- TueYour communication plan from contract to close
- WedAfter closing: annual reviews, refi watch, and asking for referrals
Week 8Steady income systemsDec 28–30
- MonPipeline management and your weekly production rhythm
- TueInvestor clients as repeat business
- WedYour production scorecard: the numbers to track every week
Week 9From LO to branch leaderJan 4–6
- MonThe path to branch manager: production, P&L, and overrides
- TueBuilding a team: who to hire first and how to pay them
- WedYour 2027 production plan (live working session)
Deal Desk
Weeks 10–12 · Jan 11 – 27
Monday teaches the concept. Tuesday and Wednesday break down real member deals live.
Week 10Qualifying incomeJan 11–13
- MonW-2 with overtime and bonus
- TueSelf-employed borrowers: tax returns vs. bank statements
- WedBorrowers with several types of income
Week 11Structuring around problemsJan 19–21
- TueHigh DTI and paying off debt to qualify
- WedRescoring credit, gift funds, and down payment assistance
- ThuCo-borrowers and rate buydowns
Week 12Investor and complex dealsJan 25–27
- MonDSCR and cash-out to buy the next property
- Tue2–4 unit homes using rental income, reading a rate sheet, and comparing products
- WedFinal deal breakdown and graduation
Week 11 moves to Tuesday through Thursday for MLK Day.
Every week
Pre-licensing call
Tuesdays at 8 PM ET. We work through the five sections of the NMLS test: federal law, general mortgage knowledge, loan origination activities, ethics, and uniform state content.
After day 90
Weekly live class
Tuesdays at 12 PM ET, with Q&A. A deal breakdown on whatever the group needs more help with, plus new on-demand trainings added as we go.
Here's what's inside.
Live classes 3 times a week for 90 days
Monday, Tuesday, and Wednesday at 12 PM ET: loan products, marketing, business building, and deal structuring, taught live with Q&A. After day 90, a weekly live class every Tuesday.
On-demand training library
Every core lesson recorded and organized, so you can learn on your schedule and rewatch before a tough file.
Live deal breakdowns
Three full weeks of Deal Desk, then ongoing weekly breakdowns. Bring a scenario. We structure it together, and everyone learns from it.
A community of mortgage professionals
Test-takers, new LOs, and experienced producers in one place, sharing what's working right now.
Weekly pre-licensing call
Tuesdays at 8 PM ET. Work through the NMLS test sections with support, while you build your business foundation in the daytime classes.
Is this for you?
This is for you if:
- You're studying for the NMLS test and want to start strong, not start from zero.
- You've passed and you're looking for training, structure, and a team.
- You're a newer LO whose income swings month to month.
- You're experienced and want a steadier pipeline and more referrals.
- You'll show up to live classes and do the work between them.
This is not for you if:
- You want someone to hand you leads so you never have to build relationships.
- You're looking for a shortcut around compliance.
- You'll join, watch one video, and disappear.
- You think you already know everything about this business.
Picture your business six months from now.
It's Monday morning. You open your pipeline and can see exactly what's closing this month and what's coming next month.
A realtor texts you a pre-approval request because you're the lender she trusts now. A past client sends her sister your way. A self-employed borrower who got turned down elsewhere is in underwriting with you, because you knew how to structure it.
You're not guessing anymore. You're running a business.
Your instructor
I'm Tashawna Nicole.
I don't teach you to make more calls. I teach you to build a business people call you for.
I started my career as a financial manager, helping veterans restructure debt and build retirement using real estate. That's where I learned that the loan is never just the loan. It's somebody's plan for their family.
I've spent 13 years in the real estate industry, more than 12 of them in mortgage. In that time I've helped clients access more than $79 million in cash to restructure debt, invest, and set up their retirement, and added $24 million to their families' net worth through real estate.
Today I'm a licensed broker and branch manager leading a mortgage team. I'm also an investor: I built my own real estate portfolio to $1.5 million in five years using the same leverage strategies I structure for clients. I understand the deal from both sides of the table.
I built Loan Officer Academy because I've watched too many talented people leave this business. They weren't bad at it. Nobody showed them the whole system. This is the training I wish every new LO got on day one, and the training experienced LOs keep asking me for.
If you're ready to stop hoping for income and start building it, I'll see you in class.
Questions, answered.
I'm still studying for the NMLS test. Can I join?
Yes. Getting your business foundation built while you study means you can start working the day you're licensed instead of spending months figuring it out.
I already work for a lender. Can I still join?
Yes. The Academy is training. It's for loan officers wherever they hang their license.
I've passed and I'm looking for a team. Is this the right place?
Yes. You'll get the training either way, and you'll see how I run my business and my team up close. Loan officers who join my team get VIP free for as long as they're on the team.
I've been an LO for years. Is this too basic for me?
No. Experienced producers get the most out of the deal structuring sessions, the referral partner system, and the marketing work. Product knowledge is the floor, not the ceiling.
How much time does it take?
For the first 90 days, live classes run Monday, Tuesday, and Wednesday at 12 PM ET. After that, there's one live class every Tuesday at 12 PM ET. Everything is recorded, so come to what you can live and catch the rest on demand.
What if I join after November 2?
Start where you are. If you're new, begin with the Week 1 replays. New or experienced, you can join the live class we're on and catch up on the replays when it works for you.
Where does it happen?
On Skool, a community platform that works in your browser and on the Skool phone app. Classes, recordings, and the community all live there.
What does it cost?
The Academy is $49/month. VIP is $499/month. Both are cancel anytime. Getting on the waitlist doesn't charge you anything; you'll get first access to join when doors open on November 2, 2026.
Which membership is right for me?
If you're studying for the test, newly licensed, or want the full curriculum, start with the Academy. VIP is built for licensed loan officers with deals in motion, because we go into advanced concepts: weekly help on your current deals, a monthly lead generation class, and coaching on building your own real estate portfolio.
$49/month. Cancel anytime.
Live classes and the full replay library for $49/month. No contract. Stay because it's helping you build your business, not because you're locked in. Getting on the waitlist is free and doesn't commit you to anything.
Here's what you're getting.
- Live classes 3 times a week for your first 90 days
- A weekly live class with Q&A after day 90
- On-demand library of loan products and training
- Three weeks of live Deal Desk breakdowns
- Marketing and personal brand training
- Book of business and referral partner system
- A community of mortgage professionals at every stage
- Weekly pre-licensing call, Tuesdays at 8 PM ET
Loan Officer Academy
$49/month
Cancel anytime.
- Every live class and replay
- Weekly live class after day 90
- Weekly pre-licensing call
- Full on-demand library and community
For test-takers, new LOs, and anyone who wants the full curriculum.
VIP
$499/month
Cancel anytime.
- Everything in the Academy
- Weekly deal and structure help on your current deals
- Monthly lead generation class: get leads and manage them
- Coaching on building your own real estate portfolio
For licensed loan officers ready for advanced concepts.
Join my team, get VIP free. Loan officers on my team get VIP at no cost for as long as they're on the team.
Doors open November 2, 2026
Get on the waitlist.
P.S. You can spend another year figuring this out alone, riding the swings and waiting on other people's referrals. Or you can learn the whole system, live, with people doing the same work you are.
Join the Loan Officer Academy waitlist. Live classes start November 2, 2026.