Parhaat Patrick J. Hogarty Podcastit (2024)

1
Show 01 56:33

15y ago56:33

56:33

This was the first show for the class and provided an overview of the course materials.

1
Show 02 58:32

15y ago58:32

58:32

This was the second show in the course and covered the history of money, The Federal Reserve System, and the future of money as a medium of exchange. Also, there was a review and discussion of the Federal Reserve and it's current Chairman, and other very important web sites that affect real estate finance.…

1
Show 03 58:15

15y ago58:15

58:15

This was the third show in the course and covered the real estate/business cycle. Also, factors such as population growth, politics, social issues, etc., that affect real estate values and finance were covered.

1
Show 04 58:26

15y ago58:26

58:26

This show continued the discussion of Real Estate Cycles and the Secondary market. The three main Secondary Market Associations FNMA, GNMA and FHLMC were discussed in detail. Also, students were shown the web sites for each one of these organizations and other web site links listed under the Web Sites Links Chapter 2 area on the class Blackboard we…

1
Show 05 58:22

15y ago58:22

58:22

This show began with a discussion of Sources of Funds and The Primary Market. Traditional Direct Lenders such as Savings and Loans, Commercial Banks and Credit Unions were discussed. Also, the Savings and Loan problems of the 1980’s that led up to the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) were discussed.…

1
Show 06 58:42

15y ago58:42

58:42

This show continued with a discussion of Sources of Funds and The Primary Market and covered the role of indirect lenders. Indirect Lenders such as Pension Funds, Insurance Companies, Mortgage Brokers, and Mortgage Bankers/Mortgage Companies were covered. Also, Real Estate Investment Trusts and the role of Private Individual as lenders and investor…

1
Show 07 58:35

15y ago58:35

58:35

This show began with a discussion of the Secondary Mortgage Market and how it operates. Also, there was a extensive demonstration of the financial tools on the Freddie Mac web site.

1
Show 08 58:24

15y ago58:24

58:24

This show continued with a discussion of the Secondary Mortgage Market and Federal Credit Agencies. Topics covered included Farm Credit Agencies, Farm Credit System, Federal Housing Agency and Veterans Administration. There was also a demonstration of the web sites for these agencies.

1
Show 09 58:22

15y ago58:22

58:22

This show began with a discussion of Federal Regulation and Consumer Protection. Many of the Federal Disclosure and Fair Housing Acts were discussed. Also, there was an extensive discussion of the Real Estate Settlement Procedures Act (RESPA).

1
Show 10 58:32

15y ago58:32

58:32

This show continued the discussion of the Real Estate Settlement Procedures Act (RESPA). The "Good Faith Estimate of Closing Costs Statement" was discussed in detail including the handbook that explains what each line item in the statement means. Also, there was a demonstration on online Annual Percentage (APR) Calculators. Finally, there was a dem…

1
Show 11 58:30

15y ago58:30

58:30

This show began with an overview of State Regulation of Lending and included an explanation of the differences between the state and federal laws and responsibilities. Estates, types of deeds used to transfer title, mortgages and Deeds of Trust. There was also a demonstration of different web sites for further information and research.…

1
Show 12 58:29

15y ago58:29

58:29

This show provided a review for the first third of the course and covered the following topics:* Then and Now: A Short History of Finance* Real Estate Cycle and The Secondary Market* Sources of Funds: The Primary Market* The Secondary Market and Federal Credit Agencies* Federal Regulation and Consumer Protection…

1
Show 13 58:27

15y ago58:27

58:27

This show provided an overview of the Financial Instruments used in real estate financing. Promissory Notes, Deeds of Trust, Deed of Reconveyance, the foreclosure process, and Trustee’s Sale were discussed.

1
Show 15 58:25

15y ago58:25

58:25

This show provided an Overview of The Loan Process including shopping for a loan, filling out the loan application and which documents to bring to the lender when applying for a loan.

1
Show 14 58:21

15y ago58:21

58:21

This show continued the discussion of the Financial Instruments used in real estate financing and differences between Deeds of Trust and Mortgages and the difference in the foreclosure process of each instrument. Also, land contracts were discussed including a demonstration of the Cal Vet loan web site frequently asked questions which explains how …

1
Show 16 58:21

15y ago58:21

58:21

This show provided an Overview of Escrow Procedures. There was also a demonstration of the Financial Title Insurance Company we site which covers the loan process and escrow procedures.

1
Show 17 58:09

15y ago58:09

58:09

This show provided an overview of Conventional Financing fixed rate 30 year and 15 year loans were discussed. Conforming vs. Nonconforming loans including a history of the amount limits of these loans.

1
Show 19 58:05

15y ago58:05

58:05

This show provided an overview of different types of Alternative Financing programs. The show began by covering many of the details for these programs like discount points and Mortgage Buy-Down Plans. The last part of the show introduced Adjustable Rate Mortgages and discussed reasons why these programs have become popular.…

1
Show 18 58:16

15y ago58:16

58:16

This show continued with a discussion of conventional financing. Secondary financing, private mortgage insurance and 90%, 95% and 100% financing were discussed. Also, easy documentation loans, assuming conventional loans and prepayment penalties were covered.

1
Show 20 58:43

15y ago58:43

58:43

This show continued the discussion of different types of Alternative Financing programs. The show began by covering the details for Adjustable Rate Mortgages. The last part of the show discussed Growth Equity Mortgages, Bi-Weekly Loans and Reverse Mortgages.

1
Show 21 58:35

15y ago58:35

58:35

This show began with an introduction to Government Loan Programs. The four broad areas of government loan programs e.g. FHA, VA, Cal Vet and other special purpose programs were discussed. The majority of the lecture covered the various FHA home loan programs e.g. 203b, 251, 203k and the role of Mutual Mortgage Insurance. Also, there was a short dem…

1
Show 22 58:32

15y ago58:32

58:32

This show continued by completing the lecture on FHA programs and discussed the fact that the HUD-92564-VC (Notice To The Lender) inspection form is not required to be completed by the real estate appraiser. Next, there was a discussion of Veterans Administration (VA) loan programs. Finally, there was an overview of the Cal Vet home loan program.…

1
Show 24 58:40

15y ago58:40

58:40

This show began with an introduction to Seller Financing/Creative Financing Programs. The types of financing programs discussed were seller carry back loans, loan assumptions and wrap-around/all-inclusive note and deeds of trust. The lecture also discussed the fact that these programs become more popular as the interest rates rise. There was also a…

1
Show 23 58:35

15y ago58:35

58:35

This show continued by completing the lecture on the Cal Vet home loan program. Topics covered included Eligibility Requirements, fees, interest rates and how Mortgage Brokers can originate Cal Vet loans. Also, there was a demonstration of the Cal Vet web site that contained an overview of the materials on the web site. The last part of the show co…

1
Show 25 58:29

15y ago58:29

58:29

This show continued the discussion of Seller Financing/Creative Financing Programs. The types of financing programs discussed were land contracts, lease options, exchanges, and equity sharing agreements. Again, there was a great emphasis placed on the fact that real estate salespersons and brokers need to make sure that their clients fully understa…

1
Show 26 58:28

15y ago58:28

58:28

This show began with a discussion of qualifying a Borrower for a real estate loan. Topics covered included income stability, computing monthly earnings, employment history and how these factors are used in qualifying a borrower for a loan.

1
Show 27 58:35

15y ago58:35

58:35

This show continued the discussion of qualifying a Borrower for a real estate loan. Topics covered included sources income stability, assets, liabilities, net income, and forms used for calculating if a borrower has the income to qualify for the loan. Also, their was a demonstration of a web site that helps borrows understand the mortgage underwrit…

1
Show 28 59:16

15y ago59:16

59:16

This shows guest was Jeff Webb who has been a Residential Real Estate Appraiser for over 25 years. During the show, Jeff discussed his real estate career, and how he goes about conducting a real estate appraisal. Also, he discussed the three approaches e.g. market, cost and income to real estate appraisal and how he uses them to determine the value…

1
Show 29 58:49

15y ago58:49

58:49

This shows guest was Nancy Rich who is a Mortgage Banking Consultant with First Security Loan in Roseville, California. Nancy is also a board member of the Home Loan Counseling Center. Nancy has almost 30 years experience in the mortgage and real estate loan business. During the show, Nancy discussed the mission of the Home Loan Counseling Center w…

1
Show 30 58:50

15y ago58:50

58:50

This shows guest was Leigh Rutledge who is the President of the Sacramento Association of Realtors (SAR) for 2006. During the show, Leigh discussed her real estate career, her duties as President of (SAR) and the functions of the California Association of Realtors and the National Association of Realtors. Also, she discussed what her recommendation…

1
Show 31 58:19

15y ago58:19

58:19

The show covered appraising the property in other words Qualify the Property for the real estate loan. The three approaches e.g. market, cost and income were discussed, and how they are used to determine the value of the property.

1
Show 32 58:16

15y ago58:16

58:16

The show covered Real Estate Finance Mathematics and how it is used in the financing process. Interest rate problems and the use of real estate loan tables were discussed.

1
Show 01 1:00:03

15y ago1:00:03

1:00:03

This is the first class broadcast. It provides an overview of the course and discusses the topic that will be covered. At the end of the show, there is a discussion of how the Streaming shows of the class will look.

1
Show 02 1:00:01

15y ago1:00:01

1:00:01

This show started with a discussion of the basics of becoming a Salesperson. Topics covered included: the Broker Interview, working for large vs. small brokerage offices, and Planning Objectives and Goals.

1
Show 03 1:00:34

15y ago1:00:34

1:00:34

This show started by discussing the Real Estate Broker responsibilities, opening a brokerage, types of business forms, trust fund accounts and the maintenance of sales records.

1
Show 04 1:00:01

15y ago1:00:01

1:00:01

This show started with a discussion of prospecting for clients and covered topics like sources of listings, holding open houses, finding buyers and the art of developing referrals from clients.

1
Show 05 59:37

15y ago59:37

59:37

This show continued discussing prospecting and different types of advertising.

1
Show 06 59:24

15y ago59:24

59:24

This Show covered the information and forms necessary to create the Business Plan project. The discussion included the use of the project checklist, Microsoft Excel spreadsheet for financial information and the example report of what the finished Business Plan project may look like.

1
Show 07 59:29

15y ago59:29

59:29

This show started with a discussion of the listing agreement and included the different types of listings e.g. open listings, exclusive agency, exclusive right to sell and net listings.

1
Show 08 59:38

15y ago59:38

59:38

This show continued the discussion of the listing agreement and covered agency disclosure, preparing for the listing appointment, closing the seller and servicing the listing.

1
Show 09 59:40

15y ago59:40

59:40

This show discussed why people buy homes and included buying new homes vs. older homes, advantages, and disadvantages of home ownership and budgeting for home purchases.

1
Show 10 59:31

15y ago59:31

59:31

This show continued the discussion of the selling process and included the importance of communication, handling buyer and seller objections and closing techniques.

1
Show 11 59:42

15y ago59:42

59:42

This show opened with a discussion of why Purchase Offer Contracts are use and emphasized the importance of filling the contract out correctly.

1
Show 13 59:19

15y ago59:19

59:19

This show began by covering the additional forms used for the Residential Property Purchase Contract. Some of the forms that were covered included Real Estate Disclosure Relationships, Estimated Buyer's Costs, and Buyers Inspection Advisory.

1
Show 12 59:41

15y ago59:41

59:41

This show continued the detailed explanation of the different parts of the purchase offer and covered most of the paragraphs in the purchase offer in detail.

1
Show 14 59:32

15y ago59:32

59:32

This show continued the detailed explanation of additional forms used in the purchase contract. Some of the forms included Counter Offer, Receipt for Reports and Contingency Removal, Notice of Seller to Perform, etc.

1
Show 15 59:40

15y ago59:40

59:40

This show had a guest speaker by the name of Andy Dickson. Andy is a Real Estate/Home Inspector. Andy talked about issues like why home inspections are required and how to choose a home inspector. Andy also shares several examples of the type of defects found during a home inspection.

1
Show 16 59:44

15y ago59:44

59:44

This show started with an explanation of why financing was so important to the real estate transaction. The show also covered mortgages vs. deeds of trust, costs of borrowing money, and the types of lending companies.

1
Show 18 59:18

15y ago59:18

59:18

This show started with an overview of Escrow. Topics discussed were requirements of a valid escrow, how to open an escrow and ended with stressing the importance of financing in the escrow process.

1
Show 17 59:21

15y ago59:21

59:21

This show continued the detailed explanation of real estate financing and included topics like the secondary mortgage market, government-financing programs, qualifying the borrower and loan assumptions.

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