Learn amout recent changes and what is coming, explore planned developments and experience some of the history and culture that is unique to Tucson. This is great information to share with your clients
This course will enhance the candidate's understanding of the various implications in fulfilling the aspects of a divorce settlement agreement in regards to real estate distribution and financing, capital gains taxes, where contingent mortgage financing is a factor. As well as provide the candidate with an understanding of the potential hurdles involved with obtaining mortgage financing where required to fulfill one or both party's obligations in the Divorce Settlement Agreement. And establish the awareness of working with divorcing clients to avoid pitfalls in selling and buying real estate transactions.
Class participants will gain an understanding of the credit score, the credit report and how they are important to real estate transactions from a mortgage perspective.
Theresa Barnabei is back for a special one-of-a-kind CE class, brought to you by NOVA Home Loans. Join Theresa as she asks the experts the tought questions around NAR Policy changes. Discover...What they are, How they reflect state and local laws and Why they affect you, your clients and the consumer
Upon completion of this course, the licensee will understand the ongoing changes in the mortgage qualification process and the loan programs available to borrowers. This course will enable the licensee to assist in educating consumers about mortgage programs available and assist the licensee to avoid common errors about financing.
Upon completion of this class the real estate practitioner will have a greater comprehension of traditional home loan finance, terms used, impact of credit and necessary documents required of a borrower.
This course will have a primary focus on the overall issues and concerns effecting the real estate industry with regards to cybersecurity. The course will give participants an understanding of State and Federal legal requirements regarding wire fraud, proper documentation disposal, and client data protection.
Learn amout recent changes and what is coming, explore planned developments and experience some of the history and culture that is unique to Tucson. This is great information to share with your clients
Class participants will learn what a 203k mortgage is, FHA guidelines and legal contracts, why it is a good tool and how and when to implement it.
To review all recent changes in FHA guidelines and a refresher of relevant loan information specializing in FHA lending.
Participants will gain an understanding of current industry trends that influence the lending decision process and learn what mortgage lenders look for and how to correct errors on credit reports.
To give participants an understanding of what mortgage lenders look for on a credit report, how to correct errors on reports, and how different factors have different effects on the ability to obtain a mortgage.
The class participants will understand the Energy Efficient Mortgage (EEM) and other HUD programs for home financing. Ways agents can use the EEM to address environmental factors will also be explained. The instructors will also cover solar additions in detail and outline the laws and regulations associated with these systems.
To familiarize participants with Arizona-specific regulations, revised statues, court findings and new bills that pertain to Real Estate Transactions, as well as to give participants an understanding of what mortgage lenders look for on a credit report, how to correct errors on reports, and how different factors have different effects on the ability to obtain a mortgage.
Participants will be able to identify and understand niche loan programs available in today’s mortgage market and how they can be applied to today’s real estate offerings.
Class participants will receive an overview of the new rules in finance, as well as a summary of loan programs, interest rates, buying today and credit, with an emphasis on federal and legal regulations.
The class participants will understand the Commissioner’s Standards related to professional conduct and ethics and how they are related to their day-to-day activities as real estate professionals.
This course will give participants an understanding of the various real estate and mortgage fraud schemes and how to identify them. And will highlight the negative impact fraud of all kinds has on housing and finance.
To give participants an understanding of how a credit score is weighted, what the current lending guidelines are with respect to buyers that had either a short sale, foreclosure and/or bankruptcy and how Realtors need to be aware of the different lending options available to buyers re-entering into homeownership after a financial setback.
Class participants will gain knowledge of the Real Estate Settlement Procedures Act and understand what they need to be aware of so that violations do not occur.
Class participants will learn how the 203K mortgage program supports Fair Housing regulations, and how other programs can be used collaboratively to support this effort.
The class participants will understand the VA loan program in depth, including eligibility, entitlement, the guaranty and the loan process.
Class participants will learn what is involved in the process of purchasing real estate investment properties, financing and and taxes related to real estate purchases, and ways to manage and exit real estate investments.
Class participants will understand the VA Loan in today’s market, qualification/legal requirements and how to apply utilization of the VA loan for both purchasing and refinancing.
Course participants will gain an understanding of the various types of appraisals, appraisal guidelines for different types of loans and appraiser independence issues.
Course participants gain a basic understanding of the elements of a credit report, the importance of a credit score and the effects of the report on a real estate transaction.
Upon completion of this class, the real estate practitioner will be able to identify between Conventional, FHA and VA loan types, as well as the many legal provisions that apply to these loans, including documents required and an overview of how down payment fees are calculated. How the loan process has changed since the financial crisis and key regulations will also be discussed.
Upon completion of this class, the real estate practitioner will be able to identify different types of loans, as well as the many provisions that apply to these loans, including pre-qualifying for the borrower.
This course will review all USDA guidelines and provide a refresher of relevant loan information specializing in USDA lending.
Class participants will understand the VA Loan in depth, including who qualifies, how it can be used and the legal requirements.
The class participants will understand what a HUD Home is, how to buy and sell these homes, their legal requirements and government programs associated with these properties
In Arizona:
NOVA® School Of Real Estate
ADRE License # S11-0006
In California, Colorado, Texas, Nevada:
NOVA® Home Loans
education@novahomeloans.com