BEST VALUE!

This package contains all 12 hours of CE required for broker license renewals through 06/30/14 and sales license renewals through 09/30/14.

Courses included in this package:

• Breaking Barriers: Fair Housing (3 Core Hours)
• Foundations of Real Estate Finance (6 Elective Hours)
• Uncle Sam has Homes for Sale: Listing and Selling HUD Homes (3 Elective Hours)

BEST VALUE!

This package contains all 12 hours of CE required for broker license renewals through 06/30/14 and sales license renewals through 09/30/14.

• Cracking the Code of Ethics (3 Elective Hours*)
• Real Estate Investors and Your Business (3 Elective Hours)
• Representation Options in the State of Missouri (3 Core Hours)
• Today`s MLS: New Paradigms, Better Results (3 Elective Hours)

*Also meets NAR QUADRENNIAL requirement standard. You will need to confirm with your local REALTOR association if they will accept it.

Tactics that work with motivated, excited sellers don't always translate well when working with short sale sellers and short sale buyers. Toss lender approvals, junior lien holders, and inflexible timelines into the mix, and you end up with a whole new ball game.  

In a short sale transaction, the motivation for each party is different than the standard transaction, and as the professional in the scene, you need to adjust accordingly. This course speaks to your interaction with short sale sellers, and how you can help them through a tough process while diligently advocating on their behalf.  We cover how to figure out an appropriate listing price, negotiate with the lender's representative, sort through debt settlement terminology, and carry the deal through to closing. We also look at the process from a buyer's agent perspective. Additional cautions, considerations, and fraud prevention tactics are required when advocating on behalf of these deal-seeking buyers.  

When licensees represent clients in a commercial transaction, whether marketing the building or assisting in the purchase, knowledge of the building’s structure and systems is vital. A building is comprised of its architectural features and its MEP (mechanical, electrical and plumbing) systems. In this course you’ll learn about:

Highlights of this course include:

• A foundational understanding of … foundations! Includes footings and how they work with foundations to form a system, design concerns of foundations including soil conditions, water tables and live and dead loads
• Design considerations for roofs, walls, windows and doors
• An overview of HVAC types and considerations, including cost, efficiency and varying tenant needs
• A look at electrical, lighting, controls and fire and security alarms, and how they differ by building use and tenant need
• How external conditions can impact building design, occupancy and parking, including zoning and code location, topography, environmental factors

Real estate professionals have a responsibility to know and understand the applicable fair housing and civil rights laws governing their workplace as well as their personal conduct. The public expects and deserves competent actions based upon thorough knowledge. However, federal definitions of “protected classes” expand and change.  As licensees learn about and review protected classes and fair housing laws throughout this course, they will become better equipped to act with honesty, competence, and intelligence in serving their clients and customers.

In Breaking Barriers in Fair Housing, we discuss the protections provided by the Fair Housing Act, and how licensees can best protect clients and their firms from discrimination.

Course Highlights

• Video enactments depicting actual fair housing cases, submitted by the Oklahoma Real Estate Commission.
• Up-to-the-minute actual case studies in fair housing violations
• An analysis of the benefits of fair housing principles in real estate.
• A discussion of how attitudes and laws have changed to support a fair housing mindset
• A description of regulatory changes relating to fair housing
• A primer on how to write nondiscriminatory advertising
• Red flags of discrimination for listing agents, selling agents and brokers
• A Public Service Announcement video on fair housing from the Department of Housing and Urban Development

Ethical real estate professionals who adhere to a high set of standards are the foundation for restoring confidence and stability in an unsure marketplace. The National Association of REALTORS® (NAR) relies on its Code of Ethics to ensure that real estate professionals are conducting business in an honest manner and with the highest degree of integrity. 

This course reviews the Code of Ethics in spirit and language. Recent updates are highlighted and case studies clarify how the code translates into your everyday dealings. 

Ethics principles are a standard component of continuing education. In addition, this course fulfills the ethics training mandated by the National Association of REALTORS® for its members.

Course Highlights

• Review of the 17 articles in the NAR’s Code of Ethics
• Spotlight on new and amended Articles and Standards of Practice
• Activities crafted from Case Interpretations

*This course meets the NAR QUADRENNIAL requirement standard. You will need to confirm with your local REALTOR association if they will accept it.

The financing of a home is as integral to real estate transactions as finding the home itself, and it is beneficial for you to have a clear understanding of the entire financing process. This course will help you to gain a better understanding of the changes the mortgage market has experienced over the years.

Course highlights include:

• Details outlining the history and purpose of real estate financing
• Explanation of the roles and regulations of FNMA, GNMA, FHLMC, FHA, and VA
• Video outlining the rise and fall of the mortgage market and global economy
• Information about HAFA and Making Home Affordable
• Statistics from the Center for Responsible Lending and the Federal Reserve
• Affordability Worksheet, to assist clients in calculating their maximum affordable purchase price
• Homebuyer Do's and Don'ts flier with tips for your clients
• Instructions on calculating LTV, front-end and back-end ratios, and monthly mortgage payments
• Details and qualification requirements for several popular financing options

It is estimated that approximately $300 billion in real estate is transacted by investors each year. Grab your piece of the pie by understanding the driving forces in the dynamic residential real estate investment market. Possessing knowledge of the strategies and mindsets of investors will help you serve your valuable investor clients effectively, responsibly, and ethically.

Through this course, you will learn the impact of real estate investment in the United States, the opportunities that exist for investors, and your role in representing the residential real estate investor.

Course highlights include:

• Resources from Keller Williams Publishing, National Real Estate Investors Association, OwnAmerica, and the National Association of REALTORS® (NAR) that will help you serve your investor clients
• A Criteria Worksheet handout that can be utilized in your efforts finding properties for your clients
• Insights from The Millionaire Real Estate Investor, Personal Real Estate Investor Magazine, and Crash Boom! that will help you understand the mindset and strategies of investors
• Details about current real estate market conditions and the impact of investors on the market over time
• A look at recent data from the U.S. census, NAR surveys, and other independent studies, as well as a discussion about what it all means for today’s real estate investors
• Tips for acting ethically, providing a high level of service, and avoiding liability issues while working with investors
• Advice for becoming a real estate investor yourself, including legal landmines to guard against

The business of real estate in Missouri hinges on the concept of agency and non-agency (or transaction brokerage), in which real estate professionals represent the needs of the buyer and/or the seller. This representation or assistance works to perform the needed steps to enable the sale of real property between the seller and the buyer. This course will outline the representation options available to the buyer and to the seller, and explain the duties required by Missouri state law.

Electronic transactions and e-signatures can give you the competitive edge you need to attract new business, better serve existing clients, and improve your bottom line.

This course provides you with a comprehensive understanding of how national and international laws define an electronic signature, how e-signature technology is currently being used by real estate professionals, and how you can use it in your day-to-day transactions. Additionally, this course looks at the use of e-mail to conduct negotiations and at several real-life case studies currently affecting how you do business.

Course highlights include:

• A look at what it takes to make an e-mail a legally binding agreement, including a discussion of the “mirror image” rule
• Tips for ensuring that your e-mail communications remain blunder free
• A discussion of the pros and cons of  e-mail disclaimers and how much protection they really provide users
• A look at how e-signatures are becoming more and more commonplace in the real estate industry, with institutions like the Federal Housing Administration (FHA) and mortgage giants like Freddie Mac accepting e-signatures and the National Association of REALTORS® partnering with DocuSign, an e-signature provider
• A detailed discussion of several national and international e-signature laws, including the Electronic Signatures in Global and National Commerce Act (ESIGN), the Uniform Electronic Transactions Act (UETA), and EU Directive 1999/93/EC
• A review of several precedent-setting case studies and their influence on the use of electronic negotiations in the real estate industry
• An examination of the financial and practical benefits of using e-signature technology
• Tips for selecting an e-signature technology that fits your needs as a busy real estate agent
• A description of the crucial security features and authentication methods to look for in an e-signature software
• Tips for successfully integrating e-signature technology into your day-to-day business transactions

The Fundamentals of Commercial Real Estate provides a solid foundation for your understanding of commercial real estate. The course covers the need-to-know information on a broad range of commercial topics.

If you're an experienced residential licensee, a few of the fundamentals of commercial real estate will be familiar to you—the importance of location, for example. In many other regards, commercial differs sharply from residential real estate. You'll be working with executives, investors, and business owners in commercial real estate, individuals whose focus is squarely on the bottom line.

Equipped with the information and advice found in this course, you'll be well-prepared to grasp the more complex aspects of commercial real estate as you gain more experience in the industry.

Course highlights include:

• Definitions of key terms and concepts that apply to commercial real estate.
• A detailed explanation of how to identify and meet the various needs of your commercial real estate clients.
• An analysis of the main differences between commercial and residential real estate sales.
• An overview of the most common valuation methods for real estate and businesses.
• Tips on gathering the demographic and location-related details that clients need to make well-informed decisions.

The Multiple Listing Service (MLS) is the most powerful tool that you, as a real estate professional, have at your disposal.  Potential buyers, in addition to other real estate professionals, can view your listings through a multitude of websites. How you use the MLS communicates your level of professionalism and attracts people to your properties. 

This course provides common sense theories and best practices from industry experts.  Harness the full power of the MLS, starting with a full understanding of how data flow in and out of the MLS.  Apply the practical concepts from this course to:

• Write exceptional listing descriptions
• Prepare listings that receive the attention they deserve
• Remain in compliance with fair housing, advertising, ethics, and anti-trust regulations

The U.S. Department of Housing and Urban Development (HUD) acquires thousands of homes every year through foreclosure on properties that had Federal Housing Administration (FHA) insured mortgages. This course explains the processes and procedures involved in listing and selling HUD homes, including how the properties are awarded to individual brokers for listing, how brokers and agents are compensated for these sales, and how they are listed and marketed.

Course highlights include:

• Overview of increased commission opportunities
• Explanation of FHA financing, and the FHA foreclosure process
• A summary of the roles created through HUD's Management and Marketing III program, and details regarding the duties associated with each role
• A description of the documents involved in the sale of a HUD home
• Rules outlining the advertisement of HUD homes
• Details about the HUD home bidding process