30 Hour Ohio Course Bundle #2

Finance is at the heart of all real estate transactions.  This course offers an excellent overview of the fundamentals with updates on current industry players, their roles and trends facing the industry.   The features, benefits and risks associated with various conventional mortgage products are discussed providing agents with general talking points when working with clients.  Both government and alternative financing solutions are covered providing licensees with an excellent overview and update on these critical financing options.  This course features extra worksheets and tools for both home affordability and payment calculations.

Over 95% of all real estate purchases involve the procurement of one or more loans or mortgages.  This content packed course demystifies the entire mortgage process from the time a purchase contract is signed to the day the keys are handed over and how real estate professionals can most appropriately and professionally participate in the process.  The course provides practical tips, tools and steps agents can take to better serve clients before and during this critical stage of any transaction.  Students are walked through each step including the application process, loan processing, underwriting and what all parties enjoy, the closing!

Taxes!  Yuck, who wants to talk about taxes?   This course brings the experience of a certified public accountant, attorney and avid real estate investor to share what all real estate licensees should know about the taxes associated with buying, owning, and selling residential real estate.  By exploring such basic questions as “what is a residence?” the course provides students with a practical view of taxation that can be leveraged to better assist clients.  One unit of the course is dedicated to the taxes associated with a home office, bringing immediate practical application to many agents.

In the real estate marketplace, foreclosures and short sales are a part of the landscape. With the increases in foreclosures over the recent past, real estate professionals must understand the reasons behind this phenomenon, the ways homeowners can avoid foreclosure and the various alternatives. If foreclosure occurs, understanding the processes and steps involved will help you as a real estate professional to better service your clients and customers. This course will enhance your real estate continuing education by providing you with the knowledge needed to understand the processes and clarify the legal procedures involved in mortgage foreclosures.

This course meets the Ohio Core requirement for 3 hours of Ethics meets NAR Quadrennial requirement! Building your career on a solid ethical foundation will not only keep you in compliance but will create an environment and energy that will allow you to grow your business exponentially. The course begins by exploring a licensee’s ethical responsibilities to the public and the real estate industry.  This includes specific rules and rulings provided by state statutes and administrative bodies as well as practical suggestions for maintaining compliance.  Ethical responsibilities to clients and customers follows with specific sections related to buyers and sellers, disclosure requirements, online and traditional advertising, compensation and the proper handling of contracts and client funds.  The course closes with a section on the ethical duties to fellow licensees promoting mutual respect and professionalism for all Ohio professionals.

This course meets the Ohio requirement for 3 hours of Core Law.Creating agency relationships is at the very core of your role as a real estate professional. A complete understanding of how Ohio views agency is critical to ensure clients are being properly served and you remain in compliance.  Authored by industry veterans, this course explores both the duties and responsibilities of a listing and buyer`s agent as defined by Ohio law as well as the proper way to waive specific duties.  The course continues with conversation and practical examples regarding these various relationships, including the forms and processes to create, disclose and terminate.  The role of the dual agent continues to be a topic with many questions and potential pitfalls.  The course includes a refresher of the proper role of the dual agent, required documentation for disclosure and practical advice for avoiding the inherent conflicts that may arise.  The course wraps up reviewing SB 106 and how it has affected dual agency in Ohio as well as the rules and requirements for two agents working within the same brokerage on both sides of a single transaction.

This course meets the Ohio 3 hour requirement for Civil Liberties-Fair Housing. This popular title was developed specifically to meet the needs of the diverse population in Ohio and includes the specific fair housing regulations upheld by the state.  The course writers bring practical suggestions including how to recognize and prevent discrimination in many of its most contemporary forms.  The course provides a solid foundation of core fair housing basics but explores the topic further to making the course engaging for students.  Topics include definitions of each protected class, prohibited actions, online and traditional advertising guidelines as well exemptions to fair housing laws.