29 Nov Maryland Housing Opportunity Certification Course Maryland Housing Opportunity Certification Course Thursday, November 29, 2018 (9:00 AM to 4:15 PM) Coastal Association of Realtors Training Center Details You're Registered! DescriptionLocationScheduleCancelation Policy Increasingly, housing costs in many areas exceed the financial reach of many low-to-moderate wage earners, such as service sector employees, entry level staff and health personnel, as well as teachers, police, and firefighters. Also, as many REALTORS® and lenders know, minorities and new immigrants often fall victim to discrimination and predatory lending practices. There are financial programs and tools that can help address the problem of affordability and you can learn about them. Develop your knowledge and expertise to serve this important and growing market by taking the steps to become HOC. MORE INFORMATION HERE Housing Opportunity Certified (HOC) REALTORS® are specially trained to receive customer inquiries on workforce and affordable housing finance programs for selected jurisdictions. Earning this popular certification requires completion of the following four classes: 9:00-10:30am: HOC: State and Local Programs (#225-0705 1.5 hours MD "F") 10:45am-12:15pm: MD Mortgage/Home Credit Program (#224-0705 1.5 hours MD "F") 1:00-2:30pm: Fed Pgms/Nat Housing Initiatives (#223-0705 1.5 hours MD "F") 2:45-4:15pm: Understanding Credit Reports (# 203-0705 1.5 hours MD "F") Lunch will be provided by PrimeLending! $40/Members $60/Non-members Your meeting registration includes all four 1.5 hour CE classes...an $80 value for Members! Coastal Association of Realtors Training Center 314 Franklin AveSuite 106Berlin, MD 21811 Map & Directions TitleWhen HOC: State and Local Loan Programs Begins 11.29.2018 (9:00AM) Ends 11.29.2018 (10:30AM) Federal Programs/National Housing Initiatives Begins 11.29.2018 (10:45AM) Ends 11.29.2018 (12:15PM) MD Mortgage/Home Credit Program Begins 11.29.2018 (1:00PM) Ends 11.29.2018 (2:30PM) Understanding Credit Reports Begins 11.29.2018 (2:45PM) Ends 11.29.2018 (4:15PM) A written request must be received at least three (3) daysprior to the session date, cancelling attendance and requesting a credit forfuture sessions.• Notice given lessthan three (3) days prior to session date, no credit will be issued.• No refunds orvouchers will be issued for no shows.• Full refund will be given for classes rescheduled by the Association.• No-Shows for freeclasses will be invoiced the normal tuition for the class ($35 for 3-hoursession and $20 for 1.5-hour session)after the class date if the cancellation policy is not followed.