17 Mar Home Finance Resource (HFR Certification) Home Finance Resource (HFR Certification) Tuesday, March 17, 2026 (8:00 AM) to Wednesday, March 18, 2026 (12:00 PM) 8 Education Credits Zoom Details You're Registered! DescriptionLocationInstructorsCancellation Policy This course will teach you how to guide your buyers through the mortgage preapproval process by, for example, creating a mortgage application checklist with all of the documents they’ll need. The course also covers resources for addressing low credit scores, alternative financing options like first-time homebuyer assistance or low down payment programs, and how to avoid the most common mortgage sticking points in a transaction. For example, the mortgage preapproval—not just prequalification—has become key for buyers competing against multiple offers in today’s market. Class dates: Tuesday, March 17th from 8am - 12noon Wednesday, March 18th from 8am - 12noon Instructor: Joy Gess Member cost: $115 Zoom Zoom 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 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 any cancellations or transfers after 7 days will incur an administrative fee in the amount of $25.00. 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.