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PRODID:-//ChamberMaster//Event Calendar 2.0//EN
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CALSCALE:GREGORIAN
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
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DTSTART:20070101T000000
TZOFFSETFROM:-0500
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DTSTART:20070101T000000
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20261027T110000
DTEND;TZID=America/New_York:20261027T130000
X-MICROSOFT-CDO-ALLDAYEVENT:FALSE
SUMMARY:Mortgage 101 – learn the basics – explore 2027 changes
DESCRIPTION:Mortgage 101 curriculum teaches agents the lending process from prequalification/preapproval through underwriting and closing\, along with Conventional\, FHA\, VA\, USDA and specialty financing.The real return is protecting transactions\, identifying more opportunities\, and becoming a stronger resource for buyers and sellers.  More qualified buyers. Agents better understand affordability and financing options before investing significant time showing properties. More potential buyers identified.  Materials cover low- and no-down-payment options\, first-time-buyer programs\, Non-QM\, DSCR and other alternatives that can expand the pool of possible clients. Stronger offers. Understanding financing and seller concessions gives an agent more tools for structuring an offer around the buyer's needs not simply negotiating price. Fewer preventable surprises. Knowing what happens during processing\, underwriting\, appraisal and closing helps an agent recognize potential issues earlier Better client conversations. Agents don't need to become mortgage experts\; they need enough knowledge to recognize financing questions and know when to involve the loan officer. Potentially more referrals and repeat business. An agent who can confidently guide clients through the financing side of a transaction can provide a stronger overall customer experience Realtor level   beginner/Intermediate
X-ALT-DESC;FMTTYPE=text/html:<!DOCTYPE html><html data-scribe-recorder-ready="true"><head><title></title><style></style></head><body aria-disabled="false" data-gr-agent-presence-bridge-connection-id="1790868952810-0.08068044084548198" data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1333.0" data-new-gr-c-s-loaded="14.1333.0" spellcheck="false"><p>&nbsp\;</p><p data-olk-copy-source="MessageBody" style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">Mortgage 101 curriculum teaches agents the lending process from <strong fr-original-style="" style="font-weight: 700\;">prequalification/preapproval through underwriting and closing</strong>\, along with Conventional\, FHA\, VA\, USDA and specialty financing.</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">The real return is <strong fr-original-style="" style="font-weight: 700\;">protecting transactions\, identifying more opportunities\, and becoming a stronger resource for buyers and sellers.</strong></p><p aria-hidden="true" style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">&nbsp\;</p><p aria-hidden="true" style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">&nbsp\;</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">More qualified buyers.</strong> Agents better understand affordability and financing options before investing significant time showing properties.</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">&nbsp\;</strong></p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">More potential buyers identified.</strong>&nbsp\; Materials cover low- and no-down-payment options\, first-time-buyer programs\, Non-QM\, DSCR and other alternatives that can expand the pool of possible clients.</p><p aria-hidden="true" style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">&nbsp\;</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">Stronger offers.</strong> Understanding financing and seller concessions gives an agent more tools for structuring an offer around the buyer&#39\;s needs&mdash\;not simply negotiating price.</p><p aria-hidden="true" style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">&nbsp\;</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">Fewer preventable surprises.</strong> Knowing what happens during processing\, underwriting\, appraisal and closing helps an agent recognize potential issues earlier</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">&nbsp\;</strong></p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">Better client conversations.</strong> Agents don&#39\;t need to become mortgage experts\; they need enough knowledge to recognize financing questions and know when to involve the loan officer.</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">&nbsp\;</strong></p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">Potentially more referrals and repeat business.&nbsp\;</strong>An agent who can confidently guide clients through the financing side of a transaction can provide a stronger overall customer experience</p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;"><strong fr-original-style="" style="font-weight: 700\;">&nbsp\;</strong></p><p style="margin: 0in\; font-size: 12pt\; font-family: Aptos\, sans-serif\; color: rgb(36\, 36\, 36)\; font-style: normal\; font-variant-ligatures: normal\; font-variant-caps: normal\; font-weight: 400\; letter-spacing: normal\; orphans: 2\; text-align: start\; text-indent: 0px\; text-transform: none\; widows: 2\; word-spacing: 0px\; -webkit-text-stroke-width: 0px\; white-space: normal\; background-color: rgb(255\, 255\, 255)\; text-decoration-thickness: initial\; text-decoration-style: initial\; text-decoration-color: initial\;">Realtor level &ndash\; beginner/Intermediate</p></body></html>
LOCATION:25300 Bernwood Drive Suite 1 Bonita Springs FL 34135
UID:e.1351.1648070
SEQUENCE:3
DTSTAMP:20261006T042020Z
URL:https://members.bonitaesterorealtors.com/bercalendar/Details/mortgage-101-learn-the-basics-explore-2027-changes-1939298?sourceTypeId=Hub
END:VEVENT
END:VCALENDAR
