Northern Fairfield County Association of REALTORs®

This course is designed to provide you with the knowledge and skills you need to identify and understand the most popular architectural styles. Whether you are an experienced home inspector or a real estate professional who’s looking for the ‘insiders view’ of architectural design, this course covers all the basics of architectural styles.

Commercial Real Estate: Financing

This course is designed to help real estate salespersons and brokers gain a greater depth of understanding in the world of commercial real estate financing.

Commercial Real Estate: Listing Properties

Listing Properties introduces concepts critical to successfully working with commercial properties and clients. This course covers Commercial Real Estate Opportunities, Land Descriptions and Uses, Gathering Financial Data, All About Office Buildings, Retail Properties and Industrial Buildings and their physical characteristics.

Commercial Real Estate: Mortgage Servicing

Commercial Real Estate: Sales

An overview of commercial real estate practice, which provides a new agent or a residential agent with the basic vocabulary, forms, tools, and training to proceed with commercial listing or sales activity with confidence. It is also an excellent review for the commercial agent. It includes classes on listings, buyer representation, negotiation, contracts, client service, information sources, practical tools to succeed, through closing, title problems, and follow-up.

Commercial Real Estate: Smart Marketing Practices

Learning the skills needed to successfully list properties. These learning skills include gaining knowledge of the techniques available to sell and lease commercial and investment real estate and developing the ability to protect and collect one’s hard-earned commission.

Commercial Real Estate: Understanding Investments

This course introduces concepts critical to successfully working with commercial properties and clients. Residential real estate practitioners who want to learn more about this topic, as well as commercial specialists, will gain valuable insight and practical, hands-on knowledge. As students learn a new concepts and key commercial investment formulas, they are given an opportunity to apply them through the problems presented in the case studies.

Commercial Real Estate: Underwriting

This course is designed to help real estate salespersons and brokers gain a greater depth of understanding in the world of commercial real estate financing. It also takes a detailed look at how lenders make loan decisions, service and manage various types of loans and underwrite commercial loans.

Contracts Class

Everything you ever wanted to know about Contracts but were afraid to ask! Is an “Offer to Purchase” binding? Is a “Binder” binding? When is there a binding and enforceable contract between the parties? Why are there different contracts for the purchase and sale of real estate? Is a 5% or a 10% deposit required when signing the contract? What if it is FHA? What happens to the deposit monies if the mortgage commitment is denied or takes longer to receive? Who is the escrow agent and how much interest is earned on the deposit monies? What happens if the appraisal comes in lower than the purchase price? Can the closing be delayed without penalties? What really is “broom clean”? What if the title reveals liens or other problems? What is “liquidated” damages and how does that differ from “specific performance”? Does the Brokers Commission need to be listed in the contract? How do we handle inspection issues?

CT Buyer Agency New Mandatory

This course will help the real estate practitioner to clarify, communicate, and practice the various Agency roles and relationships to their clients and customers.

CT Disclosure, RESPA & Law Update New Mandatory

Participants will acquire an understanding of: the need to disclose material facts, the prohibitions against accepting illegal kickbacks & recent CT Law changes.

Current Alternatives for Homeowners

This course will go over making hme affordable refinance and modification programs, Fannie Mae DU Refi Plus Program, CT Fair Alternative Mortgage Lending Initiative and Education Services, FHA and VA Streamline Refinances & Types of Repayment plans.

Dealing With Distressed Properties

This course will discuss factors which cause a property to be distressed, special concerns and issues in the purchase, financing and ownership of distressed properties; and the issues real estate professionals should be familiar with to properly counsel prepare their clients.

Diversity And Doing Business

You will learn your personal cultural placements on key diversity issues and how it impacts your communication style. Learn how to recognize cultural factors that influence your business and how culture affects client-agent rapport.

Environmental Issues

Environmental issues have taken on world-wide recognition. They have affected real estate sales and lending institution’s decisions to approve mortgages. The growing concern over the exposure to a human’s health and the possible contamination of properties makes this program a must for all real estate professionals. We will discuss, at length, the issues of radon gas, radon in water, asbestos, U.F.F.I., lead in water, lead paint, underground oil tanks and indoor air pollution.

Fair Housing

This course describes the history of federal fair housing laws & regulations. The instructor will go through all of the protected classes under the Federal Fair Housing Act and any additional protected classes identified by state or municipal laws and will identify potential steering situations and describe strategies to avoid them.

Filling In The Forms

This course reviews the basic forms used by Connecticut Real Estate Brokers and Salespeople involved in residential brokerage.

Financial Crisis

This course reviews; mortgage basis for real estate licensees, mortgage fraud, predatory lending, illegal flipping & federal protections.

Foreclosures, R.E.O. Property And Short Sales

Everything you wanted to know but were afraid to ask including: 'How to manage a Short Sale without losing your shorts!'

Heating, Ventilating & Air Conditioning

This course has been designed for the layman or novice to help them understand the different systems they might run across today in a modern or older home. This program will start with the earliest heat utilized, the open fire and progress on up to the most modern heating system using Geo-Thermal energy.

Homes For All

This course will raise your awareness about the disability community. You will learn about the Independent Living Movement, which has allowed thousands of people with disabilities to move from agency-run facilities into their own homes. You will learn to build relationships with people who have disabilities and those who support them.

House Talk

This course is to help you understand the signs a house gives off when it is experiencing problems. It helps you understand its past condition, its present condition, and possibly, where it will be in the future. The program will cover water seepage; why and how to prevent it, structural problems; how to tell if a crack is serious or cosmetic, how to identify the size of the electrical service, termites, carpenter ants, and other wood destroying insects, and private septic systems. This program has something for everyone, whether you are new to the business or a seasoned veteran. If you are a real estate professional, you should come and listen to a “House Talk”.

Insurance for Consumer Protection: What Every Agent Should Know

The course helps agents guide clients in asking the right questions concerning homeowners insurance, including credit scores and flood coverage.

Know Your Government Loans In A Tight Market

This course teaches realtors about recent changes to FHA, VA, and Conforming Mortgage Lending.

Manufactured & Modular Homes

This course reviews financing options, HUD codes, zoning issues, and other fundamentals of buying and selling these homes.

New Construction

This program will bring you through the entire process, from site selection to the painting. It explains the septic requirements for a building permit, the surveying of the property and the placement of the home. It takes you through the foundation and drainage procedures on up through the framing requirements, from top to bottom. You will see how the electrical, heating and plumbing systems are installed. Then the finishing touches such as wallboard, tile cabinetry and fixtures will be added to complete the home, making it ready for sale.

Opportunities & Advantages of Home Warranty Contract Disclosure

This course will help the real estate agent understand how the purchase of home warranty contracts, are growing across the country and why.

Principles of Construction Lending

Produced in cooperation with the Mortgage Bankers Association of America, this course is designed to help real estate salespersons and brokers gain a greater dept of understanding in the world of commercial real estate financing. Such as Opportunities, Land Descriptions and uses, Gathering Financial Data, About Office Buildings, Retail Properties and Industrial Buildings and their physical characteristics.

Property Disclosures: The Real Estate Professional’s Guide To Reducing Risk

This course examines the legal liability issues, facing real estate professionals, including misrepresentation, active & passive fraud, negligent misrepresentation, negligent nondisclosure, and negligent advice.

Property Management & Managing Risks

This course helps real estate professionals juggle property management and sales with managing liability in today’s litigious society.

Radon, Real Estate & You

This course is meant as an overview of radon, its health effects, measurement and mitigation techniques so that you are more comfortable with the topic, and in conveying basic information to your clients.

Real Estate & Taxes

This course demystifies tax laws and their impact on anyone owning real estate. It explored the effects of tax law changes on real estate investments and helps agents know when to recommend that clients seek the advice of a tax professional.

Real Estate Finance Today, 3^rd Edition

This course reviews new, recently-available loan products, government influences on real estate finance, and current issues like subprime lening and foreclosures.

Real Estate Investment Fundamentals

This course reviews basic investment concepts, but focuses on applying measurement concepts, including a complete residential or commercial investment analysis.

Red Flags: Property Inspection

This course includes updated information for agents inspecting properties such as asbestos, hazardous vegetation, and more.

Reverse Mortgages For Senior Homeowners

This course explores the application process, fees, closing costs, tax benefits, and treatments of review mortgages.

Risk Management, 3^rd Edition

This course provides the essentials on risk management that every sales professional must know to avoid legal problems and provides an action plan for minimizing liability.

State Regulations and the REALTOR® Code of Ethics

Effective January 1, 2005 through December 31, 2008, and for successive four year periods thereafter, every REALTOR® is required to complete 2 1/2 hours of Code of Ethics training. REALTORS® who have completed this training as a requirement of membership in another association or who have completed the New Member Code of Ethics Orientation during any four year cycle are not required to complete additional ethics training until a new four year cycle begins. Mandatory ethics training requirements for new and continuing REALTOR® members was established by the National Association’s Board of Directors at the 1999 Annual Convention to heighten member awareness of the key tenets of the Code of Ethics; to create an awareness of and appreciation for the role the Code can and should play in their professional lives; to enhance professionalism and competency; and to encourage REALTORS® to view their Code of Ethics as a living, viable guide in their daily dealings with clients, customers, and the public. For more information, please click here

Sustainable Housing & Building Green

This course discusses the issues of which real estate licensees should be aware in order to guide their clients to the appropriate sources for additional information. As the market grows, licensees should continue to educate themselves about new certifications identifying green and sustainable features.

Take The Challenge Out Of Low Down Payment Mortgage Financing

If you take this course you will learn how to use the current low down payment programs to create more sales!

The Truth About Mold

This course explores the impact of mold on the real estate industry.

Title Insurance For Real Estate Professionals

This course offers a comprehensive explanation of why title insurance is important, who is involved in the title insurance process and what paperwork is necessary.

Understanding 1031 Tax-Free Exchanges

This course explores the history, evolution, rules and forms of the strategy used to defer tax liability until a later date.

Using Private Mortgage Insurance & Buy Downs In A Tough Market

This course is designed to help you gain a greater understanding of insurance that protects lenders against loss on high loan to value loans.

Real Estate Continuing Ed (CE) Courses & Requirements

All Connecticut-licensed real estate salespersons and brokers are required by the State to complete a minimum of twelve (12) hours ("credits") of C.E. every two (2) years. Here is a breakdown of the C.E. requirements:

- Three (3) hours: MANDATORY – CT Disclosure, RESPA & CT Law Update - NEW

- Three (3) hours: MANDATORY – CT Buyer Agency - NEW

Six (6) hours: State-approved ELECTIVE of your choice – unchanged

"Current Issues In Real Estate 1 & 2" are no longer the Mandatory CE courses.

The current 'education cycle' for the 2010 license renewal began June 1, 2008. Any courses approved for Real Estate C.E. that started after June 1, 2008 may be used towards your 2010 license renewal. The outline above gives you a total of twelve (12) credit hours required by the State of Connecticut in renewing your Real Estate license.

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