The following are all 3 clock hour classes. Each class is $25.00 or buy 3 get 1 free
or $150.00 for a 30 hour package! The 6 hour Fair Housing class is $50.00
All you need to do is:
- Download which class or classes you would like to review and print out the class.
- Read the material.
- Complete the test and evaluation in pen.
- Return the test and evaluation with a check or credit/debit card information.
CLASSES
A DAY IN THE LIFE OF A CLOSER:
In this class, you will have a better understanding of all the different types of things that go on behind the scenes between the settlement agent and lender. There are so many different people that have their "hands" in a transaction. They say that over 50 different hands touch a purchase file that has financing. With this knowledge, they will recognize why certain things happen when they do in this very "time sensitive" world of settlements.
| a_day_in_the_life_of_a_closer_7-22.pdf |
AFTER HOURS INQUIRIES:
This class is based on the most common, and not so common questions I get from agents on the week-ends and in the evening. Including, but not limited to possession, funding, time frames, refund of earnest money, final utility bills, 1099 reporting, FIRPTA, 1031’s, seller financing AND mobile homes
| after_hours_inquiries_7-22.pdf |
ASK THE EIGHT BALL:
This class focuses on eight different items that you DON’T want to have happen at the signing appointment, things that should have been addressed prior to closing. Many of these may delay closings. You will review FIRPTA, IRS 1099 reporting, holdback agreements, cashier’s checks, and various ways buyers can take title to the property.
| ask_the_eight_ball_updated_12-11-22.pdf |
SELLER FINANCING
With this class you will review the NWMLS form 22C and will know how to complete it and what each section means. The agent will learn the differences between a note and trust deed or a real estate contract. New updates from both State and Federal are being added to the material all the time, including State regulations on their “waiver” requirements.
| seller_financing_updated_final_8-5-23.pdf |
| merged_seller_finaincing_forms.pdf |
CURRENT ISSUES CORE CURRICULUM 2022-2023:
This is the mandatory required class that is due with each renewal.
| core_22-23.pdf |
ESCROW, ESCROW OR ESCROW?:
This class will take you through the entire closing process from the purchase and sale agreement to the keys and proceeds and everything that happens in between. A perfect class for that beginner or a refresher for the seasoned agent as new information is always being added to the text.
| escrow_escrow_escrow_12-22.pdf |
EVERYTHING YOU WANTED TO KNOW ABOUT MOBILE HOMES:
In this class you will take on the trick subject of mobile homes. Unlike stick built homes, there are many different types of rules and regulations to comply with. You will learn how to deal with red flags as you go through the steps required to complete a mobile home transaction.
| mht__3-4-22.pdf |
WASHINGTON STATE REAL ESTATE FAIR HOUSING:
The purpose of this course is to introduce real estate brokers and managing brokers to the Federal Fair Housing Act (42U.S.C. 3601et seg) and the Washington Law Against Discrimination (chapter 49.60 RCW) as it relates to real estate transactions.
The course will teach real estate brokers and managing brokers the historical and societal context of housing discrimination, legal framework intended to prevent housing discrimination, and steps to take to prevent housing discrimination.
| fair_housing_updated_11-25-22.pdf |
FINANCIAL REWARD ACQUIRED UNDER DECEPTION:
In this class we will explore the world of white collar crime and share some real-life experiences that have occurred in the real estate industry. Come, discover what is happening all around us by "fraudsters" and the red flags to look out for to keep your transactions and clients "safe".
| fraud_class_3-20.pdf |
FORMAL ASSUMPTIONS, WHAT??:
In this class you will have a better understanding of "formal assumptions" and how they work. This is a "newer" type of financing now that our interest rates are climbing, those lower interest rates of 2015, 2016, 2017 are looking very attractive to "assume". With this additional "tool" in their toolbox, a well-informed agent will have other options to offer their clients.
| formal_assumption_11-25-22.pdf |
HOW TO BETTER UNDERSTAND EXCEPTIONS ON TITLE:
In this class, we will review common, and some, not so common, easements, restrictions, covenants and conditions. The following are some common problems for brokers to watch for when reviewing the preliminary title commitment. Here is where you will have the chance to be the professional by understanding, deciphering and resolving majority of “unacceptable” items that can be explained, accepted, amended, settled through closing or even deleted via you title officer with proof of why.
| how_to_better_understand_exceptions_12-5-21.pdf |
HOW TO READ TITLE:
This is the perfect class for a beginner or a “seasoned” agent. You will review the history of title with some fun facts added to entertain. You will get a great review of the NWMLS forms that refer to title in any way. There will be a complete review of a sample title that contains some problems to address. The agent will have a better understanding of how to read a title and what to look out for after taking this class.
| how_to_read_title_updated_12-22.pdf |
I OWE, I OWE, I OWE:
In this class we will review 7 different types of taxes that could affect your transaction: Real Property taxes, Personal Property Taxes, Exempt taxes (Senior & Disability), Tax Relief & Exemptions, Excise Tax, Sales Tax and Use Tax, Current Use Taxes -(Ag, open space & Timber how to apply for, continue and discontinue).
| i_owe__11-17-20.pdf |
MILLENNIALS: THE NEW BUYERS:
A new generation is coming into the real estate market, millennial. This generation's needs are completely different from previous generations. In this class, you will completely immerse yourself into the mind of a young buyer and find out what makes them tick. Are you ready for this new generation of home buyers?
| millennials_the_new_buyers_7-21-21.pdf |
NO THAT IS NOT A STUPID QUESTION:
The broker will have a better understanding of the license renewal process and hours required by DOL or NAR (SAR)
Brokers will know how to compute a “net sheet” for their sellers and what to expect. With a better knowledge of vesting’s, Broker will know how to guide their purchasers to seek legal advice from an attorney. Brokers will have a better understanding of the sale of a mobile with land or in a park. Funding requirements must be known to brokers regarding cashier’s check or wire.
Possession should not be a problem with a better understanding of funding and wires to sellers for their proceeds. The boiler plate language in the purchase and sale agreement “MUST” be understood by the agents for them to guide their sellers regarding the “Oil in Tank”. Once again, funding requirements understandings regarding commission disbursement.
Brokers will know how to compute a “net sheet” for their sellers and what to expect. With a better knowledge of vesting’s, Broker will know how to guide their purchasers to seek legal advice from an attorney. Brokers will have a better understanding of the sale of a mobile with land or in a park. Funding requirements must be known to brokers regarding cashier’s check or wire.
Possession should not be a problem with a better understanding of funding and wires to sellers for their proceeds. The boiler plate language in the purchase and sale agreement “MUST” be understood by the agents for them to guide their sellers regarding the “Oil in Tank”. Once again, funding requirements understandings regarding commission disbursement.
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SCARY STORIES FROM A CLOSER:
This class is a gathering of "stories" that are true stories from a closers side of the desk. You will get first hand knowledge of how certain situations come about in each case.......some bordering "white collar crime" and not even knowing it until it closed or many months, perhaps years later. Some of the stories will amaze you. The moral of most of the stories is trust your "gut" and always follow normal protocol you have in place.
| scary_stories_from_a_closer_updated_8-29-19.pdf |
SCARY STORIES FROM A CLOSER, PART TWO:
This class is PART TWO which is a continuation of more “horror closing stories”, which occurred in 2019! I not only tell you the story, but we review what could have been done to avoid the problem. And, the forms, all those forms you have to choose from. So be prepared to be traumatized. You will shake your head and think there is no way that really happened!
| scary_stories_from_a_closer_part_ii__7-29-23.pdf |
SCARY STORIES FROM A CLOSER, PART THREE:
Have a better understanding of how much COVID 19 has affected the closing process. I have some “horror” stories to tell of actual personal experiences I have had and agents seem to learn from my experiences as I like to tell what the problem was and how, if at all, it could have been avoided.
| scary_stories_from_a_closer_part_iii_6-1-2021.pdf |
SCARY STORIES FROM A CLOSER, PART FOUR:
The students of this class will be able to understand the many variables involved in a mobile home transaction. Unlike stick-built homes, there are many different types of rules and regulations to comply with. They will have a better understanding of the red flags to look out for in order to have a successful transaction. Real life stories seem to “stick” in the minds of most people, and the following are all “real” transactions. With the knowledge, they will gain from this material; the students will recognize the steps required whether it is a mobile home on a rented lot or on land. They will have a better understanding of the steps and documents required for eliminations.
| scary_stories_iv.pdf |
THE SIGNING APPOINTMENT AND ALL THOSE DOCUMENTS:
This class will help you have a better understanding of the documents that your clients have to execute at the aligning appointment. This class will take a deeper look at each of those documents and what they say while emphasizing on some of the cautionary words in those documents.
| the_signing_appointment_3-22.pdf |
SUBJECT TO WHAT??
The first thing you normally want to do with a new purchaser is to get them “pre-qualified” with a lender so you know what price range they are qualified for. How will they pay for the home? Do they have enough to pay 100% cash? Do they have some cash and want a VA, FHA, or Conventional Loan? If so, what does their credit look like – can they be approved? How about seller financing, either a note and deed of trust or a real estate contract? And don’t forget assumptions of the seller’s existing loan if the interest rates are attractive compared to what the going rate is now? This class will go over each of these different purchasing methods.
| subject-to_what.pdf |
UNDERSTANDING THE GENERATIONS:
This class is about the 4 generations currently in the work force, Seniors, Baby Boomers, Generation X, and Generation Y. You will review what their core values are, who their heroes were, and what shaped them. Then, once you have an understanding of each of those generations, you will review the real estate industry and what to expect in the next 10 years when the Seniors and Baby Boomers have retired and Gen X & Gen Y are in control. And, how about those future purchasers and sellers?
| understanding_the_generations_6-23_final.pdf |
WHAT IS IN YOUR TOOLBOX:
Let’s review 6 different ways to purchase a home: Cash, FHA, VA, Conv., Formal Assumption and Seller Financing. Then, we will review a spread sheet with all the purchasers costs listed, what their payments are AND what they will pay over 30 years! This class is a great refresher for that “seasoned agent” and will amaze the newer agent.
| whats_in_your_toolbox__1-21.pdf |