Patrick Ritchie School of Real Estate Finance

Understanding Consumer Credit Rights and Responsibilities (3 Hours R.E. Legal Issues) answers the common questions people have regarding credit (based on the book The Credit Road Map):

Consumer rights under the Fair Credit Reporting Act
Reading a credit report
Credit scoring
Improving the overall credit profile

Mortgage Loss Mitigation: Intro to Short Sales (3 Hours R.E. Legal Issues) gives you a working knowledge of how to help a homeowner in financial crisis. Whether you intend on working with short sales or not, this course will give you the knowledge to discuss options with clients as well provide full explanations to the questions people have about short sales:

· Working with non-profits to negotiate with lenders

· Mortgage Loss Mitigation Options

· Credit Report and Score Ramifications

· Financial Hardship Package

Understanding FHA Home Loan Guidelines and Policies (3 Hours General) educates REALTORS on working with FHA home loans:

Overview of the Federal Housing Administration
Credit analysis for FHA
Borrower qualifying
Underwriting and appraisal requirements

Marketing Business Plan (3 Hours General) based on the Guerrilla Marketing series (taught by Certified Guerrilla Marketing Coach Patrick Ritchie) this course gives a marketing/business plan that will be the cornerstone of a Real Estate career:

High-impact, low-cost marketing
Boost profits without spending a lot of money
Work 10 times smarter instead of 10 times harder
Attendees leave with a written business plan for their business

Identity Theft Prevention and Response (3 Hours General) gives an overview of dealing with identity theft:

· Provide each attendee with the knowledge and resources to prevent and respond to identity theft issues.

· Highlight the specific steps necessary for an identity theft victim to take in order to correct the circumstances.

· Explain the obligations of various parties such as creditors, credit bureaus and law enforcement agencies in regards to identity theft.

· Attendees will be able to explain to clients how to combat the challenging nature of identity theft.

Understanding Mortgage Disclosure Forms (3 Hours Disclosure) equips REALTORS with the knowledge to answer the question “What am I signing”? :

Full explanations of each mortgage disclosure form will assist in combating mortgage fraud and reduce buyer confusion.
The primary disclosures covered are for Conventional, FHA and VA mortgages.
Explains the industry standards, when and why the documents must be signed.

About the Instructor:

Patrick Ritchie is the author of The Credit Road Map, an in-depth look into how the credit world works. He is a certified instructor with the Arizona Department of Real Estate, a Senior GRI Instructor for AAR and owns the Ritchie School of Real Estate Finance. He is a Certified Guerrilla Marketing Coach, based on the best selling Guerrilla Marketing book series. Patrick is a guest lecturer for the Ohio State University and Arizona State University MBA programs. He serves as a member of the USA Today Small Business Panel and is a former Evans Scholar. His book, The Credit Road Map, is approved by the National Association of REALTORS^® and is required reading in finance and real estate classes at major universities. Internationally, Patrick has taught graduate students from the Korea Advanced Institute of Science and Technology (KAIST) about the American banking and credit system. He was a speaker at the 2007 REALTOR Conference and Expo in Las Vegas.

Contact information to schedule:

Patrick@TheCreditRoadMap.com Email (Best method)

480.203.4641 Phone

480.240.1587 Fax