Please RSVP for classes at 480-203-4641 or patrick@patrickritchie.com:

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Class Descriptions:

Lending Finance 101 (3 Hours General) covers the basics of mortgage financing:

·          Pre-qualifying a client

·          Understanding the underwriting process

·          Guidelines for conventional, government, and sub-prime loans

·          Mortgage terminology and calculations 

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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

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Understanding Consumer Credit Rights and Responsibilities (3 Hours Legal) answers the common questions people have regarding credit:

·          Consumer rights under the Fair Credit Reporting Act

·          Reading a credit report

·          Credit scoring

·          Improving the overall credit profile