CE descriptions

Core Classes

Trust Accounts in Practice
The Trust Account isn’t such a big deal. Basically I turn in my client’s Earnest Money check and all that takes place is the office secretary endorses the back of the check and then deposits the funds into the bank. Then after settlement I receive my commission check. Attend this class and really see and understand what goes into maintaining your company’s Trust Account legally. After this class you will have more appreciation for those in charge of your company’s Trust Account.

Truth in Lending Act
Federal Consumer Credit Protection Act, Truth in Lending, the Home Ownership and Equity Protection Act of 1994 are covered in this course. The purpose of APR, the 72-hour right of rescission, consumer advertising and disclosures for an ARM are also discussed.

Utah Agency, Liens & Title
Mechanic’s Liens, Residence Lien Restriction and the Lien Recovery Fund Act, State Construction Registry, and Adverse Possession are discussed during this class. This class will give you helpful information on Lien’s their priority and who gets paid first. This class will give you information that can help you with a transaction that may have a Lien attached.

Utah Foreclosure and Tax Laws
Is Utah a Lien Theory or Title Theory state? What types of foreclosures will the state of Utah allow? What are the steps that lead to foreclosures? Do I have to know and understand what FAA stands for? What about the Primary Residence Tax Exemption? This class will help you better understand these very crucial issues.

Settlement Procedures
Everything you always wanted to know about settlement, but were afraid to ask . . . in case it would make you look stupid! Do you know what the R. E. Division requires of principal brokers (and you, acting in the broker’s behalf) when it comes to settlement statements? Find out in this class. Find out where the buyer’s debits and credits go. You will feel much more comfortable reviewing settlement statements and answering questions about the items on them for you buyers or sellers after this class.

Short Sale Forms
Ever find yourself sitting in a forms class nodding off? Well that won’t happen with this class on the Short Sales Forms. This class is a must for every agent. With the increase in Short Sales in today’s market every agent needs to know how and what forms to use. This class is very concise and takes you right to the point of each of the forms used in Short sales. This class will hold your attention every step of the way as you walk through each section of the Short Sale Addendum and learn the purpose of each section. You will know how to utilize the Secondary Backup Contract, along with being able to accurately breakdown each section of the disclosure to illustrate the short sale process to your buyer/seller.

Short Sales Made Easy
Do you ever wish that someone would sit down and explain how to do a Short Sale? In this three hour class you will be shown the Short Sales process from beginning to close. Included in this class are some marketing techniques, processing, organizational skills and paperwork hints that will make Short Sales seem easy.

Standards of Conduct
This class includes provisions of rules and regulations. It is a must for keeping up to date on licensee conduct, improper practices and the standards of practice a licensee is to follow. It discusses personal assistants; the process for complaints, hearings and appeals; and many other license-related topics you should know.

Stigmatized Property Law
How does the Utah Code define “Stigmatized”? Could you explain to your clients what constitutes a Stigmatized Property and what they do and do not have to disclose? How does the Sex Offender Registry affect the way you do business? This course will help clarify what you as agents need to tell your clients.

Real Estate Forms 1
This class reviews the different forms categories. It goes into more detail on the Transaction Document Receipt; Seller Property Condition Disclosure; Buyer Due Diligence Checklist; Seller financing Addendum and Buyer Financial Information Sheet; and the Standard Supplementary Clauses.

Real Estate Forms 2
Much like the Real Estate Forms 1 class, this course continues discussion on different forms. Specifically it will discuss the documents applicable to the assignment of the REPC; Multiple Offer Situations; Lead Based Paint Documentation; FHA/VA Addendum; and Lease/Option Situations.

Real Estate Purchase Contract A
Need more understanding of the State approved Real Estate Purchase Contract? Then this is the right course for you. From beginning to end you will learn how to correctly fill out this important contract. Remember, if one of these contracts is not filled out, there is little chance that you will make money in real estate. On the other hand, if it is filled out, but filled out incorrectly, it could lead to more problems than you want to deal with, up to and including the possibility of losing the transaction.

Real Estate Purchase Contract B
The REPC has some problems that every agent should be familiar with. This class is designed to isolate those problems and give suggestions about how they can be used to an advantage. You will find this course most helpful in increasing your skill to use the REPC to solve problems rather than create them.

What do you know about the Real Estate Settlement Procedures Act? This class will discuss it in more detail while also covering the Good Faith Estimate, escrow account regulation and the settlement statement.

Real Estate Acts A
This class will discuss the Marketable Record Title Act; the Utah Exemption Act (also known as the Homestead Act); the various forms of ownership (condominiums, stock cooperative, planned unit developments); mechanic’s liens; Utah Uniform Land Sales Practices Act; Timeshare and Camp Resort Act; Marketing Disclosures, Undivided Fractionalized Long-term Estates.

Real Estate Acts B
This class will go over water law in Utah. It will also discuss complaints, hearings and appeals; enforcement; administrative procedures; stigmatized property; and the sex offender registry.

Property Management
This class is a basic overview of both commercial and residential property management. It will cover different aspects of property management including: preparing a business plan, lease negotiations, maintenance and risk management. We will also touch on Utah law, specifically on the Uniform Residential Landlord and Tenant Act and Utah Landlord/Tenant Law.

Property Management Contract
This class covers the different property types and then goes into typical property management contracts. It will also review the different issues that apply to the contract relationship.

New Construction
This class is a thorough discussion of the New Construction REPC. Even those who work for builders who use their own contracts, the general principles involved will be the same, and you will have a more in-depth understanding of the contract after completing this class. Do you understand the agency representation options involved when you sell new construction – whether you are working for the builder, or you represent the buyer? This class explores the options and explains the contracts and disclosures required for each. Financial issues involved in new construction vs. Purchasing an existing home are also explored.

Organization and Licensing
This class includes provisions of rules and regulations. It is a must for keeping up to date on licensee conduct, improper practices and the standards of practice a licensee is to follow. It discusses personal assistants; the process for complaints, hearings and appeals; and many other license-related topics you should know.

Minimum Service Requirements
In 2005 the State of Utah along with many other states adopted minimum service requirements for Real Estate Brokers and Agents. These requirements were necessary to ensure that the public would not be left to address sensitive situations such as contractual offer presentations and counter offers alone. This course will discuss those requirements.

Loan Fraud
The US Treasury Department has shown a progressive increase in the number of borrowers committing loan fraud over the past several years so it is very important for you to be able to recognize and avoid loan fraud. This class will review the indicators and consequences associated with various types of fraud, as well as the responsibilities you have to your clients

Financial Responsibility
This class will discuss in detail the handling of the real estate trust account; record keeping and statements of account; audits ordered by the Division; broker supervision requirements; and the Real Estate Recovery Fund.

Federal Laws A
Fair Housing laws and their implications, as well as the associated illegal practices connected with them will be explained. Truth in Lending and the Real Estate Settlement Procedures Act; Equal Credit Opportunity Act; Americans with Disabilities Act; the Sherman Antitrust Act; the Uniform Commercial Code and the Environmental Protection Agency will be discussed in this class.

Federal Laws B
As we all know nothing stays the same concerning the law. Do you have the most update information concerning Do Not Call Registry? Calling the wrong person could cost you $11,000. Are you up-to-date with the Interstate Land Sales Full Disclosure Act? How about Wetlands and Floodplains? What is your knowledge depth on CERCLA? What is CERCLA? This class will help you get up to speed on these issues and many more.

Federal Lending Laws
This class goes over many of the mortgage lending laws. It will go over the Truth in Lending Act; RESPA; Fair Housing Act; Equal Credit Opportunity Act; Home Mortgage Disclosure Act; Fair Credit Reporting Act; Community Reinvestment Act; Gramm-Leach-Bliley Act; Fair Accurate Credit Transactions Act; Secure and Fair Enforcement Act as well as Privacy Protection and the Do Not Call Registry.

Elective Classes

Federal Reserve
In this course you will learn the ins and outs of the Federal Reserve System. We will not only go into how the Fed works but also how it impacts consumers.

Finance Basics
This course goes over the differences between Primary and Secondary Mortgage Markets. It will also go over capital mortgage market functions, Deposit Insurance Entities and other agencies and institutions. We will go over different mortgage loan categories as well.

Advanced Finance
What are the different components of loan payments and what are the different mortgage repayment methods? This class will delve into these questions as well as the difference between fixed-rate and adjustable rate mortgages. You will also learn about other types of mortgages, retail mortgage pricing and lender fees.

Foreclosure & Credit
Real estate will always have its boom and bust times. This class goes over the steps involved in the foreclosure process. We will also go over the role of credit bureaus, credit scores and re-establishing your credit after bankruptcy or foreclosure.

From the title, this might seem a very simplistic class. But, do you really know the legal difference between “rent” and “lease?” Or are they just synonyms? What are the various types of leasehold estates and what differentiates them? Sale/leasebacks, the implications of subletting versus assigning a lease, and the eviction process are also discussed.

Listings and Options
Think you know everything there is to know about listings? As teachers, when we discuss this in the broker class we think it can all be covered in 30 – 60 minutes. However, when viewed from the perspective of legal and usage issues, the class gets very interesting and time flies. A discussion of options and first right of refusal is included in the discussion.

Market Evaluation
Whether you are working with a buyer or a seller, it is important to be able to accurately evaluate property. The process of researching, gathering data, compiling and presenting should be a process every real estate agent knows well and this class will help!

Math A – A New Method
This class presents a new way to approach any math problem involving a percent (which is most real estate applications of math). This was developed by Arnold Stringham, and once you get it firmly in place of the methods you learned previously, it really is quite simple. This class introduces and explains the new method.

Math B – Application
Once having been exposed to the new method in Math A, a student needs to work with it to make it their own. This class applies the new approach very methodically to 14 different types of math problems.

Mortgage Law
This class covers the different theories of mortgage law. It will also discuss how a mortgage works, trust deeds and notes, the Uniform Real Estate Contract, and more!

New Home Construction Basics
The ways and means by which a modern home can be built are expanding every day. The aim of this class is to outline and describe the basic steps in the home building process and give examples of those steps using common methods. Understanding these basic steps and processes will give a greater insight into the improvements a piece of land may possess.

Ownership Basics
How much do you remember from your pre-license classes about the Bundle of Rights and all its implications in the practice of real estate? Might be wise to brush up. You’ll also explore the availability of, and ramifications of, life estates and fee simple defeasible. Did you know you can sell your property and put restrictions on the owners who follow you?

Ownership Principles
How clearly do you understand the various forms of taking title and the implications of each. Joint Tenancy seems like a good idea for a married couple . . . but is it really? This class will also talk about partnerships versus corporations, and fill you in on the details of how adverse possession works.

Where is the line between real and personal property? Does it change from one to the other, and if so, how? What in the world are emblements, and how do you tell the difference between regular fixtures and trade fixtures, and who cares, anyway. Take the class and you will find out the answers to these fascinating questions!

Property Tax and Title Insurance
The class covers issues regarding how property taxes are handled in the State of Utah, including how to compute property taxes. Are you aware of what a standard policy of title insurance, as called for in the REPC, will cover for the new owner and what it will not? You will be, if you take this class.

Public & Private Control of Property
A lot is covered in this brief two credit-hour class, from the ins and outs of eminent domain to prescriptive easements. It all has to do with public (government) controls that limit the use of property and private limitations, such as CC&R’s. It’s the E Class – Encumbrances, escheat, eminent domain, encroachments and easements.

Real Estate Economics
This class focuses on the basic economic principles effecting the development, construction and sales of real estate properties. It will introduce the participant to basic economic principles and describes, explains and identifies supply & demand, patterns of prices and how trends in demographics may shed light on the behavior of the real estate market.

Risk Management
While risk and liability cannot be totally avoided, sound business practices can control the possibility. This class will look into potential risks to a business as well as ways to protect brokerages and the relationships agents have with clients.

Selecting a Tenant
Is there any way to find those perfect tenants for your rental properties? What can and can’t you use when you are interviewing potential tenants? Does it really help to call the references they listed? What information should you ask for to make sure that they will be able to make their monthly payment? What kind of red flags should you be aware of? This class will help you with the ins and outs of selecting your next tenant.

Survey & Description
It is not fitting that a real estate professional would not understand the standard practices of identifying land and being able to read a legal description. This class will help by discussing informal references; lot, block, and plat; metes and bounds; surveys and more!

This class is a discussion of the tax benefits of home ownership, depreciation techniques for investment properties, the ways taxes can be deferred and the benefits to tax deferment.

Training Agents
Training agents new to a brokerage is an important occurrence that provides an avenue not just for basic office polices to be shared, but also can be a great opportunity for gaining more knowledge and setting both personal and professional goals. This class is a great one for new brokers to help figure out how much and what kind of training they plan on providing for their agents.

Transaction Management
This class will teach you how to organize and create a paper trail system for managing all real estate transactions, while complying with all required rules and laws.

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