South Dakota 12 Hour Financing

$110.00

12 Hour Course

Course ID: 4580B1219

Approved By: South Dakota Real Estate Commission


Add to Cart (877) 724-6150

Required Subjects Include:

  • Real Estate Contracts
  • Integrated mortgage disclosures for real estate professionals (TRID laws)
  • Brokerage services

This course package offers a simple way to complete 12 of the 24 hours of continuing education that South Dakota requires for real estate licensees to renew their licenses.

The course will begin with a class on Integrated Mortgage Disclosures according to TILA-RESPA Integrated Disclosures (TRID). This class will prepare real estate licensees to guide their clients through the disclosure process smoothly during a real estate transaction.

Then the course will review a variety of sources that licensees can direct their clients to for financing. These include down payment assistance programs, as well as different loan program, government and non-government. Other methods of financing we’ll cover include sale and leaseback arrangements, and collateral assignments.

In our Financing Documents class, we’ll talk about the different documents that are evidence of ownership and property debt. Then, we’ll review some real estate math that every licensee should be comfortable with using during transactions.

Next, we’ll talk about the different ways that real estate is valued and appraised, as well as the tax basis for properties. Our final topic will be on the different types of foreclosure, and the possible remedies that homeowners may pursue  when faced with foreclosure.

  • Lending Laws
    • Lending Laws [17 Activities]
      • 01. Lending-Related Legislation (Video)
      • 02. Lending and Disclosures: Integrated Disclosures
      • 03. Lending and Disclosures: Integrated Disclosures - Part 2
      • 04. Lending and Disclosures: Integrated Disclosures - Part 3
      • 05. Lending and Disclosures: Integrated Disclosures - Part 4
      • 06. Lending and Disclosures: Truth in Lending Act
      • 07. Lending and Disclosures: Truth in Lending Act - Part 2
      • 08. Lending and Disclosures: Truth in Lending Act - Part 3
      • View Additional Activities
        • 09. Lending and Disclosures: Truth in Lending Act - Part 4
        • 10. Lending and Disclosures: The Real Estate Settlement Procedures Act
        • 11. Lending and Disclosures: The Real Estate Settlement Procedures Act - Part 2
        • 12. Lending and Disclosures: The Real Estate Settlement Procedures Act - Part 3
        • 13. Lending and Disclosures: The Real Estate Settlement Procedures Act - Part 4
        • 14. Lending and Disclosures: The Real Estate Settlement Procedures Act - Part 5
        • 15. Lending and Disclosures: Equal Credit Opportunity Act
        • 16. Fraud and Lending Practices
        • 17. Fraud and Predatory Lending (Video)
  • Sources of Financing
    • Sources of Financing [6 Activities]
      • 01. Introduction to Sources of Financing (Video)
      • 02. Sources of Financing
      • 03. Down Payment Assistance Program
      • 04. Financial Markets
      • 05. Federal Monetary Control
      • 06. Conclusion (Video)
  • Loans and Loan Programs
    • Loans and Loan Programs [5 Activities]
      • 01. Introduction (Video)
      • 02. General Concepts
      • 03. Loan Application Process
      • 04. Types of Loans
      • 05. Conclusion (Video)
  • Government Loan Programs
    • Government Loan Programs [5 Activities]
      • 01. Introduction (Video)
      • 02. FHA
      • 03. VA
      • 04. Other Federal Programs
      • 05. Conclusion (Video)
  • Other Methods of Financing
    • Other Methods of Financing [5 Activities]
      • 01. Introduction (Video)
      • 02. Other Mortgages
      • 03. Sale and Leaseback
      • 04. Collateral Assignments
      • 05. Conclusion (Video)
  • Financing Documents
    • Financing Documents [4 Activities]
      • 01. Introduction (Video)
      • 02. Mortgages and Deeds of Trust
      • 03. Other Financing Documents
      • 04. Conclusion (Video)
  • Real Estate Mathematics
    • Real Estate Mathematics [9 Activities]
      • 01. Introduction (Video)
      • 02. How is Mathematics Used in Real Estate?
      • 03. General Math Concepts
      • 04. Calculations for Valuation
      • 05. Appreciation and Depreciation
      • 06. Calculations for Transactions
      • 07. Lending Calculations
      • 08. Lending Calculations - Part 2
      • 09. Conclusion (Video)
  • Valuation
    • Real Estate Valuation [5 Activities]
      • 01. Introduction (Video)
      • 02. Value
      • 03. Methods of Estimating Value
      • 04. Appraisal Process
      • 05. Conclusion (Video)
  • Taxation
    • Taxation [5 Activities]
      • 01. Introduction (Video)
      • 02. Property Taxes
      • 03. Other Taxes
      • 04. Impact of Taxation on Financing Arrangements
      • 05. Conclusion (Video)
  • Foreclosure
    • Foreclosure [9 Activities]
      • 01. Introduction to Foreclosure (Video)
      • 02. What is Foreclosure
      • 03. Loan Default - Where Foreclosure Begins
      • 04. Judicial Foreclosure
      • 05. Strict Foreclosure
      • 06. Foreclosure by Power of Sale (Video)
      • 07. Foreclosure by Power of Sale
      • 08. Alternatives and Remedies for Foreclosure
      • 09. Conclusion of Foreclosure (Video)
  • Course Completion
    • Financing Final Quiz (60 questions)
    • Mandatory Questionnaire
    • Certificate of Completion

Instructor Bio


sheri wytcherley real estate atyourpaceonline
Sheri has been an online instructor for AYPO's Real Estate education classes for over 5 years and is a licensed real estate instructor across the United States.

Growing up in a military family, Sheri became very patriotic, developed an adventurous spirit, and grew passionate about helping people.

In 2005 Sheri became a principal broker and opened Oregon Ranch & Home Real Estate in order to better serve her clients. She received the honor of being ranked #5 in Southern Oregon for dollar volume sold for 2008, during one of the most challenging years the market has seen in decades.

"Common sense, integrity, and a quick wit. These are qualities I admire".