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Delaware Real Estate CE

Complete your Delaware real estate continuing education requirements. Our courses are designed to help you fulfill your CE credits for your Delaware real estate license renewal. 360training.com is an online real estate school that offers you the convenience of studying at your own pace in any location with Internet connection.

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Course Title Hours Price

Course Description

Despite limited resources and the potential for violent conflict, nature evolved powerful strategies that resulted in a progression of increasingly complex and productive communities. Those principles, applied to the real estate industry, mandate a system of ethics that results in greater and more sustained professional productivity and significantly improves quality of life in our work environment, homes and communities. This course is designed to inform practicing and prospective real estate professionals about the tested and proven ethical strategies, applied to the real estate professional community, that make communities increasingly industrious and fruitful. This course also helps students understand “productivity” in a human community, as well as the principle to advance and sustain such productiveness. These strategies lead to a system of ethical principles that will improve the quality and prolificacy of one’s professional practice and personal life.

Content Outline:

  • Basic Concepts of Community Ethics
  • Ethical Strategies for Promoting Community Productivity
  • Applying the Strategies to Promote Productivity
  • Review

Learning Objectives

  • Discuss the tested and proven ethical strategies that make communities of any kind increasingly productive; Explain how ethical principles apply to the real estate professional community; Define “productivity” in a human community; Indicate how to improve the productivity of professional practices and the quality of the professional and personal lives of real estate professionals
  • Discuss the basic strategies for promoting productivity in both natural and human communities; Recall motivation to be productive; Explain the challenges of conflict mitigation; Summarize the concepts of differentiation, specialization, and cooperation; Describe how these strategies translate to ethical practice in the real estate professional community
  • Discuss how productivity promotion strategies are applied; Summarize the different ways people cooperate; Explain productive orders, systems, and investments; Recognize the importance of the conservation of resources
  • Summarize the basic strategies to promote productivity such as game theory and cooperation; Discuss the ethical principles of community productivity; Recognize the importance of stability, predictability and experimentation, and the need for a balance between these elements in achieving maximum community productivity; Explain the need for change and adaptation; Identify how experimentation leads to innovation; Differentiate between uniformity and diversity

Passing Information – % Quizzes & % Final Exams: Quizzes 75%, Final 75%

3 $29

Course Description

Bad Loans will delve into predatory lending practices and common mortgage fraud schemes. Students will learn to identify and avoid predatory lenders’ and fraud perpetrators’ tactics. The course examines the lines on mortgage forms, good faith estimates, fees, discounts, prepayment penalties, and how these items are used by predatory lenders. This course also features valuable information about dealing with issues such as late charges, tax reserves, property insurance, foreclosures, and note modification. Then students will explore popular mortgage fraud schemes and examples from real cases. Fraud tools such as flipping, straw sellers and buyers, “No Doc” loans, silent second mortgages, and false money will also be discussed.

Course Outline:

  • Predatory Lending: Part 1
  • Predatory Lending: Part 2
  • Predatory Lending: Part 3
  • Mortgage Fraud: Part 1
  • Mortgage Fraud: Part 2
  • Mortgage Fraud: Part 3
  • Mortgage Fraud: Part 4

Learning Objectives

  • Describe how to avoid being burned when borrowing money; Discuss how to avoid tricks, scams, plots, schemes and deceptions; Illustrate how unscrupulous lenders get you to sign on the dotted line
  • Explain each line on forms used in mortgage lending; Identify fees & discounts and how they’re used by predatory lenders; Describe the Truth – In – Lending Act; Define prepayment penalties, assumptions, and promissory notes used in mortgage lending
    Illustrate how to communicate with a loan officer;
  • Demonstrate how to deal with issues such as late charges, tax reserves, property insurance, foreclosures, and note modification; List common predatory lending practices; Indicate the borrowers who are more likely to be the target of predatory lending; Identify the areas where scams are more likely to occur; Recognize popular predatory lending techniques
  • Recognize when a property is being illegally flipped; Identify when straw sellers and straw buyers are being used to commit fraud; Interpret the legal use of a quitclaim deed
  • Recognize fraud using shell companies as straw buyers; Predict the need for an escrow account when repairs need to be made to a
    property; Recognize when straw buyers are used to obtain “No Doc” loans; Describe how straw buyers use false ID to obtain forgiving second mortgages; Discuss the importance of disclosing a silent second mortgage
  • Explain how straws obtain false money; Illustrate how fraud occurs without an attorney at closing; Describe how “flipping a neighborhood” works; Recognize fake comparables
  • Evaluate how perpetrators move money out of deals to themselves; Identify when false documents are being used, such as HUD – 1, quitclaim, and security deeds; Discuss how bankruptcy is used to avoid foreclosure

7 lesson assessments
1 post assessment.

Passing Information – % Quizzes % Final Exams: Quizzes 75%, Final 75%

3 $29

Course Description

This course explores the roles and practices of underwriters and appraisers as they qualify borrowers and properties for loans. Other requirements for loans, leases, and titles will also be discussed. The student will examine loan settlement procedures, the role of the Truth – in – Lending Act, and the effects of the Fair Housing Act and the Americans with Disabilities Act.

Course Outline:

  • Qualifying the Borrower: Part 1
  • Qualifying the Borrower: Part 2
  • Qualifying the Property: Part 1
  • Qualifying the Property: Part 2
  • Loans and Leases
  • Titles

Learning Objectives

  • Explain how an underwriter determines the qualifications of a borrower for a loan; Name the underwriting standards used by the FHLMC and FNMA; Recall how these underwriting standards are utilized
  • Name the underwriting standards for loans used by the FHA; List the qualifying standards for loans used by the VA; Recall how these underwriting standards are utilized
  • Explain the role of appraisers in the lending process; Tell how appraisers use market value as part of the appraisal process; Describe the three appraisal methods used by Licensed and Certified Appraisers
  • Explain the importance of the appraisal process for lending agents and brokers; List the considerations used by residential appraisers; Name the conditions for other property types
  • Discuss home builder commitment methods; Expound upon the significance of loan – to – value ratios; Identify dollar limitation amounts for residential loans; Clarify the differences between various land leases such as unsubordinated ground leases, subordinated agreement leases, leasebacks, and build – to – suit leases; Recognize the role of the SEC in real estate transactions; Explain seller – financed mortgages; Define foreclosure, explain the reasons for it and describe the various types; Differentiate regulations for condominiums, cooperative apartments, and manufactured homes
  • List and define the three major types of legal descriptions for property; Identify land title requirements, loan settlement procedures and requirements, and the role of the Truth – in – Lending Act on these items; Explain how the ADA affects construction and remodeling; Describe the Fair Housing Act; Describe property characteristics

6 lesson assessments
1 post assessment.

Passing Information – % Quizzes & % Final Exams: Quizzes 75%, Final 75%

3 $29

Our real estate CE courses meet the requirements of the Delaware Real Estate Commission (DREC). Take your Delaware real estate continuing education now. Effective in 2012, all Delaware real estate resident licenses and permits expire April 30 of even years and odd years for nonresident licenses and permits. This includes resident and nonresident, active and inactive, and all office permits.

A renewal notice will be mailed containing information on the online license renewal process. DREC requires you to attest to completing the required CE courses to renew your license. The amount of CE and mandatory courses required depends on when your license was issued.

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