02 Sep Real Estate Finance Hybrid $100 (member price) Real Estate Finance Hybrid $100 (member price) Tuesday, September 2, 2025 (9:00 AM to 4:00 PM) 6.00 Education Credits Iowa REALTORS® School - West Des Moines, West Des Moines, Iowa 6-8 Hour CE Credit Classes, Elective Classes, Hybrid (Zoom & In Person) Classes, In Person Classes, Pre Broker Pre-license Classes, Real Estate Finance, Stefanie Sersland, Zoom Classes Details You're Registered! DescriptionLocationInstructorsCancellation Policy Real Estate Finance 6 Hour Pre-Broker or 6 Hour Renewal Elective Hybrid 9-4 After completing this course student will be able to Define and explain the use of the principal financing instruments - the note and the mortgage. Name major sources of mortgage loan funding in the primary market. Identify and explain the role of the primary players in the secondary market. Explain the significance of the Federal Reserve Board as it relates to mortgage lending. List the benefits and criticisms of the current trend toward computerized load approvals, including the drive-by appraisal. Calculate the borrowing power of a prospective purchaser. List the components of an adjustable rate mortgage, the benefits and disadvantages. Calculate Monthly mortgage payment on any given loan. Describe the guidelines for Fannie Mae/Freddie Mac, FHA and VA loans. Zoom Registration: Class confirmation email incudes Zoom & Handout link. Camera & Microphone required in order to receive class credit. Zoom participants must be seated with camera on as if you were attending in person. NO DRIVING, RIDING OR CELL PHONE USE DURING CLASS. In Person Registration: Iowa REALTORS 5950 Village View Drive, Suite 100 West Des Moines, IA 50266. You will need to print your handouts before you come to class. No handouts will be printed at the IAR Building. Laptops welcome! Iowa REALTORS® School - West Des Moines Iowa REALTORS® School - West Des Moines5950 Village View Dr. Suite 100West Des Moines, IA 50266 Map & Directions Stefanie Sersland I’m passionate about the Real Estate Business. I enjoy guiding and training Realtors in the Real Estate Business. I’m patient. Kind. Take challenges head-on. Resolve situations quickly. I communicate well with people. General Manager / Partner - Coldwell Banker Real Estate Pr, 2000 – Current. Manage 46 full time Realtors and 5 office staff. Hire and train new Realtors joining our office. Involved with daily office operations. set company budget. company and Realtor goals, marketing and recruiting. Office Manager/ Closing Agent Iowa Realty, 1987 – 1999. Managed the day to day operations of the office. Hired and trained office staff. Managed all of the Seller and Buyer closing transactions for the Realtors. others. IR reserves the right to cancel any class for any reason; including but not limited to insufficient enrollment, instructor illness, and closings due to severe weather. Please remember that cancellations or closings should be rare events. In the event of cancellation, registered participants will have the option of a full refund, full credit, or a reserved seat in the next available class at no additional cost.CANCELLATION by a student, if requested no later than two full days before scheduled course date, will qualify for a full refund. If class cancellation is requested any later than 48 hours prior to class, the refund will be less a $25.00 cancellation fee. Members may log in to the My Account section of our website to cancel a class and receive the appropriate refund. NO SHOWS will be charged the full amount of the course.Students may RESCHEDULE at no additional cost to attend any future class that is conducted within 90 days of original course date. Requests must be made no later than 72 hours before originally scheduled course time. NO SHOWS will be charged the full amount of the course. If they choose to reschedule they must pay the full price of the course again.LATE ARRIVALS: In accordance with the Real Estate Commission's Administrative rules, successful completion of continuing education requires full time attendance throughout the program, course or activity. A student who arrives late, leaves during class or leaves early shall not receive a certificate and such circumstance will be treated as a no-show and no refund will be granted.