JLS & Associates

Mandatory Real Estate CE Package: 12 Credits for Less Take 12 Credits in One Weekend!
SAVE on your continuing education when you register for three courses at once! Sign up to take Brokerage Management for Supervising Brokers, FHA Financing, and Sell More Homes With Fannie Mae Programs on the same weekend, and pay $170 for all three. See the following three course listings below for complete descriptions.

Next course date and location to be determined.

Brokerage Management for Supervising Brokers: Roles, Risks and Rewards 4 Hours Supervising Broker Endorsement OR Mandatory Credits
In 2007 the Montana Legislature passed a new statute that requires Supervising Brokers to (a) take 4 supervising broker-qualified CE credits every year and (b) supervise and train the brokers and agents in their office. This class discusses the implications of the new statute and prepares supervising brokers for compliance with the new law. Brokerage firm policy and procedures, implementation and tracking of training, and supervision activities are discussed in forum format.

Next course date and location to be determined.

FHA Financing: Get More Homes Sold with the New, Modern FHA Program Approved for 4 Hours Continuing Education - Mandatory Credits For Montana Real Estate Brokers and Associates
Get the update on all the new features of FHA financing. Higher Loan Amounts, Easier Property Standards, Higher Ratios, More Usable Income, No FICO Score Requirements. Sell more homes by knowing what is available for your buyers from FHA.

When: Thursday, March 5, 2009 - 1:00pm to 5:00pm Where: The Placer Lobby. 21 N Last Chance Gulch, Helena, MT Cost: $65.00 DISCOUNT PRICE - $48.00 IF REGISTERED BY FEBRUARY 27, 2009.

Sell More Homes With Fannie Mae Programs- Approved for 4 Hours Continuing Education - Mandatory Credits For Montana Real Estate Brokers and Associates With all the changes in conventional lending, YOU NEED THIS CLASS! New guidelines on credit and FICO scores, loan-to-values, property standards, condo rules, manufactured and modular homes, down payment requirements and more. You will get more homes into escrow when you know what financing is available.

When: Thursday, March 19, 2009 - 1:00pm to 5:00pm Where: The Placer Lobby. 21 N Last Chance Gulch, Helena, MT Cost: $65.00 DISCOUNT PRICE - $48.00 IF REGISTERED BY MARCH 7, 2009.

VA Loans - Approved for 4 Hours Continuing Education - Mandatory Credits For Montana Real Estate Brokers and Associates Learn the best methods to serve those who have served. This course is a complete overview of VA's latest regulations - 100% Loans to $417,000 - Loans to $650,000 with less than 10% down!.

Register Now: $65.00
When: Thursday, April 2, 2009 - 1:00pm to 5:00pm Where: The Placer Lobby. 21 N Last Chance Gulch, Helena, MT Cost: $65.00 DISCOUNT PRICE - $48.00 IF REGISTERED BY MARCH 21, 2009

Get In Compliance Approved for 3 Hours Continuing Education For Montana Mortgage Brokers and Originators
Review RESPA, ECOA, HOPA, Reg Z, Truth in Lending Privacy Issues, Flood Certifications and much, much more.

Register Now: $48.00
Dates and Locations To Be Announced

How To Detect & Avoid Mortgage Fraud Approved for 5 Hours CEU Montana Mortgage Brokers and Originators Montana Real Estate Brokers and Sales Agents
What is mortgage fraud? What are the different types of mortgage fraud? Is mortgage fraud all around us? Who pays for mortgage fraud? What is predatory lending? What resources are available to fight mortgage fraud?

Register Now: $65.00
Dates and Locations To Be Announced

Truth in Lending Approved for 4 Hours CEU Montana Mortgage Brokers and Originators Montana Real Estate Brokers and Sales Agents
Find out how Truth in Lending(TIL) should really work! This course will cover the intent of the law for consumers, the application of its principles by lenders and the correct explanation of the required information, including Annual Percentage Rate, Amount Financed, Finance Charge, etc. In addition we will cover the requirements of TIL in terms of advertising loans to consumers.

Register Now: $48.00
Dates and Locations To Be Announced

Market Share – What It Is and How to Get It What IS your market? What is your existing market share? What strategies for increasing market share are the most effective? Who is your REAL competition? How do you measure market share success?

Register Now: $45.00
Dates and Locations To Be Announced

Creating Success as a Professional Loan Officer Get your New Hires out the door and on their way to success! A hands on, disciplined approach covering the crucial First Four Weeks On The Street! Weekly tasks monitored by the Branch Manager build the basis of a successful career in loan origination!

Register Now: $125.00
Dates and Locations To Be Announced

Open Houses – How To Work Them Topics include: How to get invited to be there; What to do at an Open House; How to work with your Realtor to acheive joint success.

Register Now: $99.00
Dates and Locations To Be Announced

Privacy Training – Being in Compliance Topics include: Why privacy IS an issue; How businesses and government are working to protect personal information; Gramm-Leach-Bliley and the Fair Credit Reporting Act; Who and what is protected by financial privacy laws; The risks associated with non-compliance to privacy laws.

Register Now: $48.00
Dates and Locations To Be Announced

Stopping Sexual Harassment – Creating The Right Branch Environment Topics include: What is sexual harrassment and what isn't; Why sexual harrassment happens; How to establish proper training; Correct procedures for handling complaints; How to conduct a legal investigation; What is your liability and who is liable

Register Now: $48.00
Dates and Locations To Be Announced

How To Conduct a Meaningful Branch Sales Meeting Get all of your people to arrive On Time and Actively Participate. Implement team building strategies that work! Set the right order for your agenda, keep your meetings on track, and even end on schedule!

Register Now: $125.00
Dates and Locations To Be Announced

How To Get Your Loan Approved — The FIRST TIME! Topics covered include: Getting all the information—NOW; Creating a needs list as you go; What income you can use; Evaluating assets to determine if they have the cash to close; Credit report review & liabilities; Appraisal review techniques; "Painting the Picture" for Loan Approval.

Register Now: $99.00
Dates and Locations To Be Announced

Self-Employed Borrowers and Tax Return Analysis Complicated issues clarified. What income is usable? What are the basic business types? What about outside sales people? Schedules C,D,E,& F; 2106s; K-1s; 1065s; Corporate and S-Corp Returns explained; AGI versus Schedule Analysis.

Register Now: $99.00
Dates and Locations To Be Announced