Certified Affordable Lending Specialist

NAMB's Certified Affordable Lending Specialist (CALS) is sponsored by Freedom Mortgage.

NAMB’s Certified Affordable Lending Specialist (CALS) certification delivers product knowledge and sales strategies to help you serve more borrowers, increase loan production, and grow your business. 

Through practical education on FHA, VA, USDA, affordable conventional, and down payment assistance (DPA) programs, the course connects affordable lending knowledge with real-world strategies to uncover financing opportunities, solve borrower challenges, and build stronger client and referral relationships.

Upon completion of the course, you will be able to:

• Expand homeownership opportunities for first-time homebuyers and a broader range of borrower segments.
• Understand the basic eligibility requirements, benefits, and limitations of major affordable lending programs.
• Navigate down payment assistance (DPA) programs and understand potential refinancing implications.
• Select appropriate financing solutions based on borrower needs and financial goals.
• Apply affordable lending expertise to strengthen Realtor, builder, and community referral relationships.

Position your business for sustainable growth with affordable lending. Earn your CALS certification and put your expertise to work.

Immediately following the class, a test will be given, and upon passing, you will be presented with your CALS certification and all the marketing materials you need to promote yourself!