New York Real Estate School Online

 PACKAGES                                                 
New York CE 22.5 Package                              
               



                          New York Real Estate Continuing Education Classes Online


      100% Online Continuing ED Real Estate Courses
Renew your license at home or office! Satisfy all of your real estate continuing education licensing requirements online! Courses are fully accredited and applicable for renewing your license.

Why Choose Online Classroom to Continue your Education?
  • Expert instructors, available by email or phone 
  • FREE 24x7 LIVE technical support 
  • Instant online grading and certification 
  • Most economical enrollment fees 
  • Flexible refund policy 
  • Award winning text-books and authors 
  • Flash-based Interactive Online Modules

It's easy to get started - simply CLICK HERE TO ENROLL IN NEW YORK CONTINUING EDUCATION CLASSES.  Once you are enrolled, you will receive a confirmation email with details on how to contact customer support and other information pertinent to your courses.


HOURS       COST
  22.5         $110.00
 
  

New York 22.5 Hr Real Estate CE Package  


Our 22.5 Hour New York Real Estate Continuing Education course
has been reviewed and accepted by ARELLO for online distribution.
The real estate program covers 22.5 hours of courses, required by
The New York Department of State (NYDOS), that apply toward
Real Estate CE course completion certificate.

Courses included in package:
  •    Real Appraisal (3.5 hours)
  •    Fair Housing (4 hours)
  •    Home Inspection (3.5 hours)
  •    Liens, Taxes & Foreclosures (3.5)
  •    Contracts, Purchase & Sales Agreements (4 Hours)
  •    Environmental Hazards (4 Hours)

Real Appraisal
In order to own and convey property in a market economy it is necessary for that property to be assigned a specific monetary value. This process, unlike, say, that of assigning value to durable goods—which have specific materials, production and marketing costs—can be somewhat more involved. With property, the fixed costs—building materials and labor costs—are always accompanied by more esoteric factors that go to make property more (or less) valuable. Becoming a member of the group that understands and applies these factors is a bit more complex than simply being able to understand a balance sheet.

Fair Housing
This course is designed to increase your knowledge of federal and state fair housing laws and related civil rights and anti-discrimination laws that affect real property transactions. All real estate licensees need to understand who is protected by the fair housing laws, what acts are prohibited by these, and how the fair housing laws are enforced.The more knowledgeable you are about fair housing, the less likely you will be to commit fair housing violations. Course topics covered in this course include transactions covered by the law, discrimination, HUD advertising guidelines, equal housing opportunity, the equal credit opportunity act and the Americans with Disabilities Act.

Home Inspection
This course presents an overview of the home inspection business and explains how it fits into the real estate industry as a whole. In addition, the course covers the regulatory bodies and professional organizations associated with home inspection. At the conclusion of this course, the student will understand the methods used to inspect homes, will know what to look for when examining properties, both inside and out, and will understand the various types of inspection reports and the differences between them.

Liens, Taxes & Foreclosures
This course discusses liens, taxes and foreclosures. There are many types of liens as well as several kinds of taxes that can attach to a parcel of real estate. When borrowers default on a debt, foreclosure is the process by which lien-holders collect the unpaid portion of a debt. Because liens represent an interest in real property, it is crucial that real state licensees develop an in-depth understanding of liens and lien-related issues. Such knowledge also helps licensees to better advise buyers and sellers.

Contracts, Purchase & Sales Agreements
In this module you will learn about the types of general contracts as well as the different kinds of real estate contracts. The module provides the student with an overview of the various types of contracts: bilateral, unilateral, implied, express, executed, executory, valid, void, voidable and unenforceable. Once the student is introduced to the different types of contracts, he or she learns what makes a contract legally enforceable, this being the five components that make a contract valid: mutual assent, legally competent parties, consideration, lawful objective and adherence to a statute of frauds.

Environmental Hazards
This course covers major environmental hazards. Licensees need to familiarize themselves with environmental issues because they have a responsibility to disclose to buyers any information that might affect their decision to buy. Environmental hazards can dramatically affect a property’s value, so buyers, sellers, lenders and licensees all can be affected by them.

Approved Course Number(s):

   M-8025
   M-8111
   M-7083
   M-8027
   M-8172
   M-7079




INDIVIDUAL COURSE DESCRIPTIONS


Asset Management  
Approval Number: M5325 

APPROVED FOR:
3 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course covers broad issues and components of asset management plans. It also explains the discounted cash flow analysis. And the impact of the different assumptions on discounted cash flow analysis. It further explains the factors to consider deciding whether to buy or lease property. 

LEARNING OBJECTIVES:

Discounted cash flow analysis 
The components of Asset Management Plans 
How to compare Alternative Asset Management 
The impact of different assumptions on discounted cash flow analysis 
The factors to consider to deciding whether to buy or lease property 
The different alternatives to maximize return from distressed property 
The factors in deciding whether to sell or hold a property 

TOPICS COVERED:

Introduction 
LESSON 1: Asset Management Essentials 
LESSON 2: Case Study: A Successful Renovation 
LESSON 3: Asset Management Assumptions 
LESSON 4: The Decision to Buy or Lease 
LESSON 5: Distressed Property Decisions 
LESSON 6: The Disinvestment Decision 
LESSON 7: Complexities of Real Investment 
LESSON 8: Real Estate Market Research 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years, and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. Final Exam - You will NOT be required to take a final exam.

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 

 Environmental Hazards  
Approval Number: M5300
APPROVED FOR:
3 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course is designed to increase your knowledge about expanding environmental issues and laws that have an impact on environmental problems. This course identifies the procedures used to locate toxic waste sites, the responsibilities for clean up and steps that may be taken to minimize future liabilities.

While real estate agents are not expected to be environmental experts, the same disclosure rules apply as to other facts about a property. That is, if environmental information is known to the sales agent and it would affect a prudent purchaser's decision to buy, it must be disclosed. Because of this, licensees should be familiar with the nature of these problems as well as the laws and regulations that are intended to protect both the consumer and the environment. 

LEARNING OBJECTIVES:

Identify recent laws that have an impact on environmental problems, including lead disclosure laws 
Identify the procedures used to locate toxic waste sites, the responsibilities for clean up and steps that may be taken to minimize future liabilities 
Explain the nature of major air pollutants and remedies that may be applied to minimize the effect 
Explain a landowner's responsibility for the protection of designated wetland areas 
Identify the protections afforded endangered species by landowners and when land development is undertaken 
Explain the nature of electromagnetic forces and a possible need for testing 
Explain the current status of environmental laws and its affect on property insurance and mortgage lending 

TOPICS COVERED:

INTRODUCTION 
LESSON 1: Environmental Issues 
LESSON 2: Principal Environmental Problems 
LESSON 3: Lead Poisoning and Indoor Air Pollution 
LESSON 4: Hazardous Gas 
LESSON 5: Toxic Waste Sites 
LESSON 6: Wetlands Protection 
LESSON 7: Endangered Species Protection 
LESSON 8: Underground Storage Tanks (UST) 
LESSON 9: Water Damage 
LESSON 10: Mold 
LESSON 11: Environmental Site Assessment 
LESSON 12: Contamination 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


 Home Inspection Basics  
Approval Number: M5292
APPROVED FOR:
3 HOURS CE CREDIT 

COURSE DESCRIPTION:
In this competitive market place every Sales Broker needs to increase their service proposition to their clients by offering a deeper knowledge base and services to their prospective clients. 

LEARNING OBJECTIVES:

How to conduct an Inspection 
Internet resources available to the general public 
Report Formats 
Benefits of a Sales Person / Broker as an home inspector 
Simple disclosure vs. Meaningful Disclosure 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


Real Estate Finance  
Approval Number: M5398
APPROVED FOR:
3 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course breaks down in detail the major areas of concern for qualifying the buyer through income, credit, net worth, source of funds, debts, and the loan application check list for residential real estate financing. It also discusses various loan types including FHA, VA, LTV, and Conventional. By the end of this course, you will better understand the basic residential real estate financing procedures and have knowledge of the purchase and sale of residential real estate. 

LEARNING OBJECTIVES:

To enable the student to calculate the maximum loan and monthly payment for which the buyer qualifies for under conventional, FHA and VA loan programs. 
To identify when PMI is required, and explain why. 
To enable the student, given the down payment, loan amount, premium factor, interest rate, type of loan, and term, to correctly calculate the annual and monthly PMI or MIP. 
To enable the student, given the terms and conditions of sample conventional, FHA, or VA loans, to identify the differences with respect to loan limits, procession times, interest rates, down payment, assumption guidelines, and prepayment penalties, if any. 
To enable the student, given the loan amount, interest rate, terms and type of loan, to calculate monthly principal and interest payments. 
To enable the student to recognize the major provisions of an adjustable rate mortgage (ARM). 
To enable the student to calculate a worst-case ARM scenario with respect to a given buyer. 
To expose the student to the features of alternative financing. 
To enable the student to provide buyers with information about the lending process that a mortgage underwriter would consider when determining the amount of money the lender would provide. 

TOPICS COVERED:

INTRODUCTION 
LESSON 1: Qualifying the Buyer 
LESSON 2: Loan Underwriting Guidelines 
LESSON 3: Types of Loans 
LESSON 4: Residential Real Estate Financing 
LESSON 5: Case Study 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 

 Appraisal & Inspection Basics  
Approval Code: M5294
APPROVED FOR:
3.75 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course covers broad issues on property appraisal and inspection. The fundamentals of real estate valuation and various methods how to appraise properties are emphasized. It also serves to educate real estate associates on the discipline of a home inspection. Further, this course covers how a salesperson can understand home inspections to benefit their clients. Important Note: This course serves only to provide you with basic knowledge on home inspections. A sales person should not perform a home inspection. It should be left to a trained professional Inspector. 

LEARNING OBJECTIVES:

The fundamentals of real estate valuation and appraisal 
How to identify with a client’s needs and your product in the market 
Various approaches used in an appraisal 
Various approaches used in valuation 
How to read an appraisal report. 
An Overview Of The Inspection Business 
What To Expect From A Home Inspector 
Essential Tools Required And Used In The Home Inspection Profession 
Building Codes And Code Authoring Organizations 
Basic Report and Reporting Formats 
Home Inspectors Reporting Language, Grammar, Comments and Liability 

TOPICS COVERED:

INTRODUCTION 
LESSON 1: Real Estate Appraisal as a Career 
LESSON 2 : What it Takes to Be an Appraiser 
LESSON 3: How Value is Determined 
LESSON 4: Overview of the Inspection Business 
LESSON 5: Licensing and Credentials 
LESSON 6: Essential Tools for Agents 
LESSON 7: Report Formats 
LESSON 8: Report Writing 
LESSON 9: The Home Inspector 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3.75 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
Upon course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


Leasing & Property Management-NY  
Approval Code: M5293
APPROVED FOR:
3.75 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course covers the basics of leasing and property management. The course will cover the duties of a property manager and how to set up a management plan. You will be provided with information on how to fill out the leases, what the licensee’s responsibilities are, the licensee’s role in various real world practices, situations and the issues related to the duties of landlord and their tenants. The course also covers basic fair housing, discrimination, and environmental issues that brokers and property managers need to be aware of when leasing or managing properties. 

LEARNING OBJECTIVES:

The Key Terms in Property Management 
The normal duties of a property manager 
How to set up a management plan 
The Management Proposal 
The management Agreement 
Property Management Report 
The properties that require management 
Define the term lease and identify essential elements of a lease. 
Identify types of leases 
Identify and understand basic and common environmental issues and problems 
Understand the federal fair housing laws and who is protected 
Understand what acts are considered discrimination under the Fair Housing Act 

TOPICS COVERED:

INTRODUCTION 
LESSON 1: SERVICES TO LANDLORDS 
LESSON 2 : SERVICES TO TENANTS 
LESSON 3: WHAT IS A LEASE? 
LESSON 4: TYPES OF LEASES 
LESSON 5: INTRODUCTION TO FAIR HOUSING 
LESSON 6: INTRODUCTION TO ENVIRONMENTAL PROBLEMS 
LESSON 7: SETTING UP A MANAGEMENT PLAN 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3.75 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 

 Fair Housing  
Approval Code: M-5301
APPROVED FOR:
3 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course is designed to increase your knowledge of federal and state fair housing laws and related civil rights and anti-discrimination laws that affect real property transactions. All real estate licensees need to understand who is protected by the fair housing laws, what acts are prohibited by these, and how the fair housing laws are enforced. The more knowledgeable you are about fair housing, the less likely you will be to commit fair housing violations. Course topics covered in this course include transactions covered by the law, discrimination, HUD advertising guidelines, equal housing opportunity, the equal credit opportunity act and the Americans with Disabilities Act. 

LEARNING OBJECTIVES:

What are the federal fair housing laws? 
Who is covered by the Fair Housing Act? 
What do the fair housing laws protect against? 
What transactions are not covered under federal law? 
See how an insurance agency is organized 
What is discrimination? 
What acts are considered discriminatory under the Fair Housing Act? 
What is the Federal Equal Credit Opportunity Act? 
What is the Americans with Disabilities Act? 
What are the penalties for non-compliance with fair housing laws? 
How can one avoid discriminating against others? 
What is the HUD/NAR Partnership and why is it important? 
What are the HUD Advertising guidelines? 
What are acceptable and unacceptable words and phrases to use in advertisements? 
How can a salesperson show evidence that he/she does not discriminate? 

TOPICS COVERED:

INTRODUCTION 
LESSON 1: Introduction to Fair Housing 
LESSON 2: Discrimination 
LESSON 3: Other Legal Protections against Discrimination 
LESSON 4: Enforcement of Fair Housing Laws 
LESSON 5: How to Avoid Discrimination 
LESSON 6: Case Studies 
LESSON 7: Real World Practice 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


Contracts, Purchase & Sales Agreements  
p>NOTE: This course is approved for 2 Hours Mandatory and 2 Hours Elective Credit

COURSE DESCRIPTION

Clear, mutually-acceptable agreements are an essential component of the legal transference of ownership. In the practice of real estate, contracts are the instruments used to describe and record the agreements surrounding the conveyance of property. Some type of contract is nearly always involved, whether a salesperson is promising to sell a property within a specified period of time, a prospective buyer is placing an offer on a house or a seller is considering an offer on property.

Before entering into a legally binding agreement, real estate professionals must fully understand the contracts that govern their industry. Failure to understand contracts opens a licensee to various kinds of liability and can seriously damage one’s professional reputation. Therefore, it is vital that real estate professionals learn this material so that they can protect themselves against errors, oversights and misunderstandings.

In this module you will learn about the types of general contracts as well as the different kinds of real estate contracts. The module provides the student with an overview of the various types of contracts: bilateral, unilateral, implied, express, executed, executory, valid, void, voidable and unenforceable. Once the student is introduced to the different types of contracts, he or she learns what makes a contract legally enforceable, this being the five components that make a contract valid: mutual assent, legally competent parties, consideration, lawful objective and adherence to a statute of frauds. This module includes the following lessons:

Types of Contracts 
Features of a Legally Valid Contract 
Contract Fulfillment 
Real Estate Contracts 
The fifth and concluding lesson in this module presents real-world dilemmas and concrete applications of the information presented in the rest of the course. As the student completes this module, he or she should try to develop a broad picture of environmental issues and how they fit into the larger practice of real estate; the last lesson will help with this project by presenting comprehensive content questions, practice problems and case studies.

LEARNING OBJECTIVES

Upon completion of this module, the student will be able to:

Name and explain the various components of a valid contract. 
Identify the differences between a unilateral and bilateral contract. 
Describe the various types of contracts. 
Recognize the difference between a forbearance and performance agreement. 
Outline the features of a contract (and the contracting parties) that make a contract legally binding. 
Recognize the general features of a completed contract. 
Identify when a contract can be discharged. 
Recognize the different kinds of real estate contract 

Approved Course Number(s):
M-7079 

 Tax Favorable Real Estate Transactions  

Course Description

The objective of this course is to teach the real estate professional how he or she can help clients in buying and selling property on a tax-favorable basis. 

In accordance with TREC rules Sections 535.71 and 535.72D, the first two lessons of the course seek to provide a method of real estate purchase using pretax dollars and of growing the estate within a qualified product. We will discuss the application of current tax advantages of using both qualified and non-qualified tax products such as IRA’s, SEP IRA, 401k, Roth IRAs and charitable gift annuities. The use of these applications will provide the real estate professional with the opportunity to create a long standing and profitable relationship with his or her clients, as well as attracting a more sophisticated investor wishing to find an alternative to 1031 exchanges.

The final lessons of this module will explain the many important aspects of Internal Revenue Code Section 1031. The course will focus on the benefits of the 1031 exchange for the investor, licensed real estate agent/broker and other parties to the transaction. Upon completion of this course, the student will learn which properties qualify under Section 1031 and how to use the various types of 1031 exchanges to enhance the client’s position in the investment real estate market.

Learning Objectives

Upon completion of this module the student will:

Be able to identify motivated buying and selling clients. 
Know the attributes of qualified and non-qualified products and how they can be of benefit to the sales process. 
Be able to identify the restrictive rulings of the 1031 exchange program. 
Know how money can be accumulated using pre-tax dollars, accumulate interest on a tax-deferred basis, and create litigation protection. 
Know charitable strategies of creating income and tax relief for individuals or families owning highly-appreciated real estate. 
Know about Charitable Gift Annuities, and the annuity payments, income benefits and tax advantages associated with them. 
Know the parameters that the IRS uses to define a valid like kind exchange. 
Know the pros and cons of various exchanging alternatives. 
Know the mechanics of a successful tax-deferred exchange and the role of each party in those exchanges. 
Be familiar with exchange documentation and the role of a qualified intermediary. 
Understand what constitutes “boot” and how to deal with it. 
Know how to calculate whether a sale is to be preferred over an exchange. 

--------------------------------------------------------------------------------
Regulatory Requirement

Our staff works diligently to provide you with an analysis of current mandates and legislation that affects you the licensee. All information pertaining to the Mandatory Continuing Education requirements can be found on the State Requirements page. You can find the link to this page on the upper Navigation bar on the Course Catalog.

Course Completion

Any applicable completion certificates or affidavits can be printed after completing the course and final exam.

Testing

Quizzes - There is a quiz at the end of each lesson to test comprehension of the subject matter.

Final Exam - Passing Grade 70%. You can take the final three times.


Estimating the Gross Living Area  
Approval Code: M5291
APPROVED FOR:
5 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course covers broad issues and describes the procedures for measuring the total square footage of detached single-family homes and multifamily gross building areas. The methods employed will standardize the calculation process and enable the users of this information to obtain accurate and reproducible measurements for total gross living area of residential properties. The student will learn how to treat the finished areas above and below grade, the finished living area above the garage, and the unfinished areas within the structure. The standard will allow individuals and organizations to agree and cooperate in communicating these square footage quantities to users of this information. 

LEARNING OBJECTIVES:

A standard itself is a voluntary guide for producers and consumers. 
A standard allows individuals and organizations that use different terminologies based on different points of view to communicate, cooperate, and calculate quantities on a common basis. 
This standard promotes these goals in the hope that square footage calculation can become an item of agreement rather than a point of contention between groups with different interests and concerns. 
This standard for the calculation and reporting of above-grade square footage and below-grade square footage in single-family houses is offered for voluntary application. 
The standard is not meant to replace or supersede any legal or otherwise required existing area measurement method. 
The standard embodies one informative principle that is intended to comment on and illustrate the standard; however, the principle is not considered part of the standard. 
This standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Residential Square Footage, Z765. Committee approval of the standard does not necessarily imply that all committee members voted for its approval. 

TOPICS COVERED:

INTRODUCTION 
LESSON 1: AMERICAN NATIONAL STANDARD FOR SINGLE-FAMILY RESIDENTIAL BUILDINGS 
LESSON 2 : ANNEX 
LESSON 3: CAREFULLY MEASURE THE PROPERTY YOURSELF 
LESSON 4: THE APPRAISAL PROCESS 
LESSON 5: UNIFORM STANDARDS OF PROFESSIONAL APPRAISAL PRACTICE 2001 EDITION 
LESSON 6: VALUATION ANALYSIS FOR HOME E INSURANCE FOR SINGLE FAMILY ONE – To – FOUR UNIT DWELLINGS 
LESSON 7: SUMMARY AND OTHER GUIDELINES 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 5 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


 Pricing to Financing  
Approval Number: M-5326 
APPROVED FOR:
6 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course covers broad issues on real estate Comparative Market Analysis (CMA), and House Measuring. It puts emphasis on how to fill out the forms and the licensee’s responsibilities. Further, it covers the issues related to financing of property that is to be sold and the requirements and various financing options. 

LEARNING OBJECTIVES:

Gather and organize all information needed to make an accurate market analysis of a property. 
Format the information so that it is easily understood 
Present the material so that securing the listing is more likely 
Update the market analysis periodically 
Correctly measure at least one structure 
Correctly compute the area of geometric shapes 
Correctly compute the living area of a structure 
Correctly compute the total area under roof of a structure 
Evaluate the ability of a prospect to buy real estate 
Use a financial calculator to calculate mortgage payments 
Consult with a mortgage lender to determine the value of the real estate the consumer is qualified to purchase 
Identify the major type of financing best suited to the consumer 
Explain to the consumer the loan application process 
Explain to the consumer the loan processing process 

TOPICS COVERED:

Introduction 
MODULE 1 
LESSON 1: Comparative Market Analysis 
LESSON 2: House Measuring 

MODULE 2 
LESSON 1: Lender and FHA Requirements 
LESSON 2: Location Analysis 
LESSON 3: Property Analysis 
LESSON 4: Valuation Conditions 
LESSON 5: Regulatory Environment, Enforcement and Sanctions 
LESSON 6: Manufactured Homes 
LESSON 7: Planned Unit Developments and Condominiums 
LESSON 8: Preparing a Property for Mortgage 
LESSON 9: Appraiser’s Role in Location Considerations 
LESSON 10: Appraiser and the Real Estate Salesperson’s Role in a Deal that Falls Apart 
LESSON 11: Required Forms, URAR and Other Appraiser Issues 

MODULE 3 
LESSON 1: Qualifying the Buyer 
LESSON 2: Loan Underwriting Guidelines 
LESSON 3: Types of Loans 
LESSON 4: Residential Real Estate Financing 
LESSON 5: Case Study 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 6 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


NAR Code of Ethics  


This course is NOT approved by NAR. The course does contain the NAR mandated ethics topics, but it is up to the discretion of your Board or Association to decide if this course will fulfill your NAR ethics requirement. 

Approval Number: M5302
APPROVED FOR:
3 HOURS CE CREDIT 

COURSE DESCRIPTION:
This course covers broad issues of standards of conduct and moral judgment. Our discussion will be in two parts. Part one will discuss case studies as they pertain to various illegal as well as unethical actions. Part two will discuss the National Association of REALTORS ® Code of Ethics and Standards of Practice. 

LEARNING OBJECTIVES:

The study of standards of conduct and moral judgment 
The system or code of morals of a particular person, religion, groups, professional, etc. 
Required conduct of Real Estate Professionals as outlined in the National Association of REALTORS® Code of Ethics 

INTRODUCTION 
LESSON 1: NAR CODE OF ETHICS AND STANDARDS OF PRACTICE Preamble Duties To Clients And Customers 
LESSON 2: NAR CODE OF ETHICS AND STANDARDS OF PRACTICE Duties To The Public 
LESSON 3: NAR CODE OF ETHICS AND STANDARDS OF PRACTICE Duties To Real Estate Agents 
LESSON 4: NAR CODE OF ETHICS AND STANDARDS OF PRACTICE Intentional Fraud Negligent Misrepresentation Negligence Sources for Disciplinary Action against Real Estate Licensees Antitrust Laws Price Fixing Group Boycotts Market Allocation Tying Arrangements What can a REALTOR® do? Criticism Participation in Enforcement of Law, Regulations, and the Code of Ethics Exclusive Representation Sharing knowledge and experience Avoidance of unfair advantage NAR Code of Ethics 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 3 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 


Risk Management  
Approval Number: M5399 
APPROVED FOR:
6 HOURS CE CREDIT 

COURSE DESCRIPTION:
What does advertising really do for real estate? Did you know that certain language is prohibited from all advertising? How can you effectively manage your business operation while reducing liability and risk involved with fair housing laws and regulations? 

This course analyzes the practices of advertising, fair housing and prospecting as those practices relate to risk management, ethics and business etiquette. Agents will become familiar with fair housing and advertising laws, as well as prospecting strategies.

LEARNING OBJECTIVES 

Identify situations in which owners requests for advertising areappropriate 
Solicit owner's assistance in writing ads 
Locate sources of appropriate advertising copy 
Accurately describe property 
Write ads suited to the property 
Select advertising media appropriate to the property 
Understand how to apply fair housing laws to your real estate practice 
Develop scripts for answering frequently asked questions about the protected classes 
Evaluate the effectiveness of our scripts 
Understand that risk can be managed but not eliminated 
List several effective strategies for limiting risk 
Incorporate ethical procedures into your daily real estate practice 
Recognize ethical positions different from your own 
List the general guidelines for the accepted way(s) to do business in your market area 
Prepare a daily, weekly, monthly, and annual time schedule that includes prospecting 
Incorporate a variety of prospecting methods into your real estate practice 
Understand the restrictions on prospecting under licensing laws and Code of Ethics 
Work within those restrictions to develop a successful real estate practice 
Overcome fear of technology 
Know the names of the two major real estate prospect management software programs 
Know the system requirements for each program 
Make prospect management plans using software 
Adapt generic programs to some prospect management functions 
Increase business using prospect management software 

TOPICS COVERED:

INTRODUCTION 
Introduction 
MODULE 1: 
LESSON 1: Client-Level Advertising 

MODULE 2: 
LESSON 1: Introduction to Fair Housing 
LESSON 2: Discrimination 
LESSON 3: Other Legal Protections to Prevent Discrimination 
LESSON 4: Enforcement of Fair Housing Laws 
LESSON 5: How to Avoid Discrimination 
LESSON 6: Case Studies 
LESSON 7: Real World Practice 

MODULE 3: 
LESSON 1: Environmental Issues 
LESSON 2: Principal Environmental Problems 
LESSON 3: Lead Poisoning and Indoor Air Pollution 
LESSON 4: Hazardous Gas 
LESSON 5: Toxic Waste Sites 
LESSON 6: Wetlands Protection 
LESSON 7: Endangered Species Protection 
LESSON 8: Underground Storage Tanks (UST) 
LESSON 10: Mold 
LESSON 11: Environmental Site Assessment 
LESSON 12: Contamination 

REGULATORY REQUIREMENT: 
State agents need to complete 22.5 hours of state approved elective courses every 2 years and renew every two years from the date their license was received. 

SEAT TIME:
This course has been approved for 6 hours.

COURSE PRE-REQUISITE:
N/A

TESTING: 
Quizzes - All quizzes must be taken to proceed forward to the next lesson. 
Final Exam - You will NOT be required to take a final exam. 

COURSE COMPLETION:
After course completion, you will print and complete a course completion certificate and fax to the school. New York Department of State will be notified within one business week and a certificate mailed within 7-14 business days. 




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