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Policies & Procedure Disclosure
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(4 hrs Elective credit)
Riding The Age Wave
Serving Senior Buyers with FHA’s HECM for Purchase Program
LOTSAR is pleased to offer this timely, high content 4 hour Elective CE course which promises to shake up what you think you know about the Wave of Baby Boomers, who make up almost 30% of all new home purchases today.
This Course Promises:
Join industry educator, and master Real Estate Financing expert Paul Donohue, for an insightful exploration of the massive retiring Age Wave, and how it is transforming housing as we know it. Paul will reveal the scope of this dynamic, rapidly growing home buying segment, and how you can best position yourself to Ride The Age Wave!
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The Broker-in-Charge Update (BICUP) Course is a four (4) hour course that must be completed by all brokers-in-charge and brokers who have BIC-Eligible status and who wish to renew their licenses for the license year. Brokers-in-charge and brokers with BIC-Eligible status must take the BICUP course each year to satisfy the Update course requirement and to maintain BIC-Eligible status, as prescribed by Commission Rules 58A .1702. and 58A .0110. This four (4) hour course will include 210 minutes of classroom instruction and 30 minutes of breaks.
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(4 hrs Elective credit)
Playing the Hand You’re Dealt
Learn how to overcome obstacles that may be preventing your buyers from purchasing real estate. Master financing concepts that can make a Realtor’s business more time efficient. Discover how one-time-close construction loans help your buyers build a home when inventory is low. Explore methods and loan programs that can reduce a buyer’s cash-to-close. Strategies that increase buying power and improve credit scores are covered.
Mortgage Mechanics
Review mortgage industry terms and concepts that are crucial to a Realtor’s environment. Find out what truly affects interest rates. Discover the 3 C’s underwriters analyze to determine loan approval. Learn the truth about buydowns and how they differ from ARMs. Find out the ‘red flags’ that denote a flawed appraisal and ways to overcome this obstacle. 4 hours
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(4 hrs Elective credit)
Introduction
All About Addenda is a 4 hour course about – you guessed it! – the various standard form addenda to the 2-T Offer to Purchase and Contract (“2-T”). Although these forms do not address all additions that a buyer or seller may want to make part of the 2-T, they certainly address many of the most common issues.
Licensees typically have a solid working knowledge of the 2-T itself but, due to the fact that the various addenda are very much transaction-specific, may not be as familiar with these sometimes incredibly integral and important forms. This course is designed to change that disconnect.
*IMPORTANT DISCLAIMER: Nothing herein is or should be construed as legal advice. If you have a legal question, consult with a private attorney.
Learning Objectives for the Course
By the end of this course, you should be able to do the following:
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The General Update (GENUP) Course is a four (4) hour course that must be completed by all provisional and non-provisional brokers who are not brokers-in-charge and/or do not have BIC-Eligible status and who wish to renew their licenses for the license year. Refer to Commission Rules 58A .1702 and 58A .1703 for a full explanation of brokers’ annual continuing education requirements and continuing education required for license activation. Brokers-in-charge and brokers with BIC-Eligible status must take the BICUP course each year to maintain BIC-Eligible status, as prescribed by Commission Rules 58A .1702 and 58A .0110. This four (4) hour course will include 210 minutes of classroom instruction and 30 minutes of breaks.
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