15 Feb Home Finance Resource (HFR) Certification Home Finance Resource (HFR) Certification Thursday, February 15, 2024 (8:00 AM to 5:00 PM) 8 Education Credits ZOOM / WEBINAR Details You're Registered! DescriptionLocationInstructorsCancellation Policy Discover the Building Blocks of Mortgage & Financing You’re skilled at guiding clients through the home buying process. But do you ever receive questions about mortgage options that you don’t know how to answer? The Home Finance Resource Certification Course is designed to provide you with foundational education to help you confidently explain key pieces of the loan origination process. With the skills that you gain from this course, you will also be equipped to provide guidance on navigating mortgage applications and alternative financing options for all types of buyers. Take the next step in the process, and be one of the first to earn the brand new Home Finance Resource (HFR) certification! Learn more at crd.realtor/hfr. CE 8 Hours Instructor: Joy Gess Member Cost: $115 Non-Member Cost: $140 (cannot receive final certification) Important notes: After completing your coursework, you'll need to submit a one-time certification fee of $89 to NAR. ZOOM / WEBINAR ZOOM / WEBINARLINK EMAILED Map & Directions Joy Gess Joy has been an active Real Estate Agent in Vermont since2016. She also sold Real Estate in the 1980s in Fairfield CT. She holds a BS from Scared Heart University and a Master of Science from the Milano school of International Affairs, Management and Urban Policy at The New School. She concentrated in Organizational Development.Joy spent over 25 years in the Financial Services industry. She was a Team Lead and Manager at Citibank where her team developed and delivered mortgage training to a 100 branch region. She also ran an origination department in a mid-town Manhattan Branch. Joy and her team specialized in lending to Co-op buyers. Joy then became a Branch Manager and Vice President of Citytrust Bank in Connecticut. Joy joined Republic National Bank as a trainerand helped develop training for the Wholesale Mortgage team primarily serving New England, Florida, and the California markets. In this role she developedtraining in how to close in both escrow and attorney states.Joy is excited to be certified to deliver this and other programs. VAR® will happily provide a refund or transfer for cancellation or transfer requests received up to 7 days prior to a course offering. Because VAR® reserved a seat in anticipation of your attendance; a fee in the amount of 15% of the original cost will be assessed for all cancellation or transfer requests after 7 days. No refund will be given to those who cancel within 2 days of the course offering. No shows, i.e. individuals who did not sign in or out, who arrived late or left early or who did not show up at all – for any reason – are ineligible for any refund or transfer.