Classes: GRI Class Series

LOCATION: ZOOM ON-LINE FORMAT
CE CREDIT: 4 CE
COST: $50 for Everyone
INSTRUCTOR: Kevin Stahle

CLASS DESCRIPTION: A key part of the real estate transaction is financing. In general, financing addresses the ways in which people, businesses, and organizations allocate and use monetary resources. Being aware of the latest developments in finance; helps to clarify the economic status and affordability of the real estate market for clients. Understanding the fundamentals of mortgage finance is a key to a successful real estate sales business foundation and delivering invaluable services to consumers.

This course will provide participants with a better understanding of real estate finance.

Upon completion, students will be able to:

• Describe how the primary and secondary (including GSEs) mortgage markets and entities operate.
• Demonstrate knowledge of the requirements and rules regarding VA loans, FHA-insured loans, and various conventional loan types.
• Perform basic calculations for fixed and adjustable-rate mortgages to include qualifying ratios, down payment, monthly payment, PMI, principal, interest, MIP and discount points.
• Determine when a client should be referred elsewhere for professional lending advice and processing.
• Describe the requirements and processes of a reverse annuity mortgage.
• Prepare a client for the three stages of the mortgage loan process.
• Demonstrate a working knowledge of the credit scoring system.
• Discover potentially fraudulent mortgage activity

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LOCATION: THIS IS AN ONLINE ZOOM CLASS: 
CE CREDIT: 4 CE
COST: $50 for Everyone
INSTRUCTOR: Rich Sands

CLASS DESCRIPTION: REALTORS have invested a great deal of time and millions of dollars building and improving real estate technology; the demand for additional technology is very high. Internet marketing consultants warn that without proper marketing and promotion, web sites can quickly become obsolete, and, while social networks can help connect in a referral business, society now relies on instant communication.

This course identifies rules, regulations, and the advantages of using technology. This course seeks to make participants aware of valuable resources affecting the daily life of a modern real estate licensee and the impact the legal and ethical use of technology will have on consumers.

At the end of this course, students will be able to:

• Relate the growth of technology in the real estate industry to consumer demands and expectations.
• Apply the law and the Code of Ethics to all electronic marketing.
• Apply etiquette and best practices to all electronic marketing and communication.

Various resources and maintenance tools are also discussed and students will complete numerous exercises throughout the course.

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LOCATION: THIS IS AN ONLINE ZOOM CLASS: 
CE CREDIT: 4 CE
COST: $50 for Everyone
INSTRUCTOR: Tonyeil Spencer

CLASS DESCRIPTION: State, federal, and environmental laws can affect many areas of business. An awareness of laws and regulations can help a knowledgeable business owner avoid substantial future costs and liability for noncompliance. Businesses that comply with environmental laws and land use regulations are more likely to avoid exposure to liability for civil wrongdoing.
Many environmental problems relate to the use of land and thus have implications for land markets and real estate. An obvious example is the impact of environmental amenities (e.g., open space or proximity to parks) or environmental hazards (e.g., air pollution, water pollution, or proximity to noxious facilities) on housing prices through capitalization.

There are laws imposing specific standards regarding property use, such as how a building can be built, how big or small it can be, and where it may be placed on the property. These specifications may be laid out in local regulations or in building codes.

Learning Objectives – At the end of this course, participants will be able to:

• Predict land use demand and the highest and best use of land.
• Relate federal laws regarding land use and the environment to the practice of real estate.
• Relate state laws regarding land use and the environment to the practice of real estate.
• Disclose known adverse conditions to consumers.
• Evaluate urban land locations for potential use and growth patterns.
• Relate property rights legislation to specific customer scenarios.

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LOCATION: ONLINE ZOOM FORMAT
CE CREDIT: 4 CE
COST: $50 for Everyone
INSTRUCTOR: Okie Arnot

CLASS DESCRIPTION: This course introduces the elements, terminology, and principles of appraisal. The three approaches to value, as well as the forces that influence them are explored in some detail. Practical exercises allow the student to apply each approach to real-life situations.

Upon completion of this course, the student will be able to do the following:

• Generalize the role of the appraiser and the appraisal in a real estate transaction.
• Evaluate the forces at work in the marketplace as they affect appraisals.
• Apply the principles of appraisal to understand an appraisal report.
• Classify the six types of value.
• Use all applicable approaches to value when pricing various types of properties.
• Calculate the square footage of living area and the total lineal footage of a subject property.
• Predict what an appraiser will “look for” in the exterior and interior of a subject property.
• Relate the differences between an appraisal and a comparative market analysis (CMA.)
• Illustrate the differences between physical depreciation, functional obsolescence, and external obsolescence and how they affect property values.

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