Pro-Edge-logo transparent-2


Learn.

Connect.

Grow.

Instructor Portal

Our Courses

This page is for our Instructors.  

Arizona CE Course Offerings: 3 Hours

Navigating Divorce Transactions for REALTORS.

AZ: 3-Hour Navigating Divorce Transactions for REALTORS®

Help clients navigate one of life’s most difficult transitions with clarity, professionalism, and empathy.

This three-hour continuing-education course equips real-estate professionals to manage divorce-related transactions effectively. It covers the legal, financial, and emotional dynamics that influence property division and timelines—and shows REALTORS® how to collaborate with attorneys, mediators, and lenders to protect clients and keep transactions on track. 

Attendees will learn how to:

  • Recognize the stages and emotional dynamics of divorce—and how they affect real-estate decisions.

  • Anticipate title, equity, and financing considerations unique to divorce situations.

  • Identify red flags and avoid common pitfalls that delay or derail closings.

  • Communicate with empathy and neutrality to maintain trust with both parties.

  • Coordinate with legal and financial professionals to streamline outcomes while maintaining compliance and confidentiality.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are completed.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Download Flyer Template

AZ Agency Law Comprehension For REALTORS

AZ: 3-Hour: AZ Agency Law Comprehension for REALTORS®

Strengthen your understanding of Arizona agency law and fiduciary duties to protect clients and maintain professional integrity.

This three-hour course provides a clear, practical overview of Arizona agency laws and fiduciary duties within real-estate transactions. Through engaging discussion and real-world examples, participants will learn how to properly represent clients, manage disclosure and confidentiality, and uphold ethical and legal standards in every transaction.

Attendees will learn how to:

  • Explain the purpose and structure of agency relationships in Arizona real estate.

  • Identify fiduciary duties and how they apply to different types of client relationships.

  • Demonstrate how to manage confidentiality, disclosure, and representation ethically.

  • Apply agency principles to real-world scenarios to reduce risk and improve professionalism.

  • Recognize common agency misunderstandings and learn strategies to resolve them effectively.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

The Ultimate Guide To Avoid Probate in Your Estate Plan

AZ: 3-Hour: The Ultimate Guide to Avoid Probate in Your Estate Plan

Gain the knowledge and confidence to guide clients through probate-related real estate transactions with care and professionalism.

This three-hour course explores the process of handling real-estate transactions involving probate properties. Instructors will guide agents through the legal, procedural, and emotional aspects of assisting clients who are managing an estate. The course provides practical insights into timelines, court involvement, and communication strategies to ensure transactions are completed smoothly and compliantly.

Attendees will learn how to:

  • Define the probate process and identify when it applies in real-estate transactions.

  • Understand the roles of executors, administrators, and heirs during the sale of an estate property.

  • Recognize key legal documents and timelines associated with probate sales.

  • Apply best practices for working compassionately and effectively with clients during sensitive situations.

  • Navigate common challenges and ensure smooth, compliant transactions from listing to close.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Understanding the AAR Pre-Qualification Form for REALTORS®

AZ: 3-Hour: Understanding the AAR Pre-Qualification Form for REALTORS®

Bridge the gap between financing and real estate to guide clients through a confident and successful home-buying process.

This three-hour course provides an in-depth look at the pre-qualification process and its role in setting the stage for a successful home purchase. Instructors will help agents understand how to identify qualified buyers, interpret lender documentation, and communicate effectively with loan officers. Through real-life examples and practical insights, participants will gain the tools to confidently guide clients through financing and strengthen collaboration between agents and lenders.

Attendees will learn how to:

  • Explain the difference between pre-qualification, pre-approval, and full loan approval.

  • Identify key components of the borrower qualification process.

  • Understand how credit, income, and assets are evaluated by lenders.

  • Strengthen communication between real-estate and lending professionals.

  • Guide clients through the financing process to ensure smoother, more successful closings.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

The Power of Credit and Maximizing Your Credit Score

AZ: 3-Hour: The Power of Credit and Maximizing Your Credit Score

Learn how to master the credit system and leverage your score for lasting financial success.

In today's financial landscape, your credit score is arguably the single most critical number you possess—directly influencing your ability to qualify for mortgages, auto loans, credit cards, and even insurance premiums. This empowering course demystifies the credit system and gives attendees the tools, knowledge, and actionable strategies to build, maintain, and significantly improve their credit profiles. Participants will leave with a clear understanding of how credit scores are calculated and practical methods to unlock stronger financial opportunities for themselves and their clients.

Attendees will learn how to:

  • Understand the five key components that determine a credit score.

  • Implement practical strategies for debt management and responsible credit use.

  • Review credit reports effectively and identify errors that may impact approval or rates.

  • Dispute inaccuracies using compliant and efficient methods.

  • Apply actionable tips to maximize scores and secure more favorable lending terms.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Educating Arizona: Deed Fraud, Water and Firewise

AZ: 3-Hour: Educating Arizona — Deed Fraud, Water, and Firewise

Empower your real-estate practice through knowledge, awareness, and ongoing professional growth.

This dynamic three-hour course highlights the importance of continuing education and professional development within Arizona’s real-estate industry. Designed to empower agents with current and practical knowledge, it explores key resources, programs, and compliance standards shaping today’s real-estate environment. Through interactive discussion, participants will discover how continuous learning enhances credibility, client trust, and long-term success.

Attendees will learn how to:

  • Identify current Arizona real-estate education requirements and available learning opportunities.

  • Understand the value of professional development in maintaining ethical and competent practice.

  • Recognize how education supports consumer protection and strengthens public trust.

  • Explore ways to incorporate new knowledge into daily real-estate activities.

  • Develop an action plan for continued growth and compliance within the industry.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Understanding Technology’s Influence on Modern Home Sellers

AZ: 3-Hour: Understanding Technology’s Influence on Modern Home Sellers 

Course Overview

This course explores how rapid advancements in technology are reshaping seller expectations and the real estate sales process. Instructors will guide agents through digital tools, online platforms, and consumer-driven technologies that influence pricing, marketing, communication, and negotiation. By understanding these shifts, participants learn to better advise sellers, increase listing visibility, and stay competitive in a technology-driven marketplace.

Key Learning Objectives

By the end of this course, participants will be able to:

  • Identify emerging technologies that impact seller decisions and listing strategies.

  • Understand how digital marketing, automation, and data tools influence property exposure.

  • Recognize the role of online platforms, AI, and consumer apps in shaping market expectations.

  • Apply technology-driven best practices to enhance client communication and outcomes.

  • Evaluate potential risks, ethical considerations, and compliance factors related to tech-based tools.


Downloads:

Navigating Ethical Standards with Mobile Technology

AZ: 3-Hour: Navigating Ethical Standards with Mobile Technology

Course Overview

This course provides real estate professionals with a focused examination of ethical standards and the responsibilities they carry in today’s market. Instructors will guide agents through real-life ethical challenges, industry expectations, and the importance of sound judgment in protecting clients and upholding the integrity of the profession. Through scenario-based discussion, participants learn how to evaluate complex situations and apply ethical principles with confidence.

Key Learning Objectives

By the end of this course, participants will be able to:

  • Understand the foundational ethical standards that govern Arizona real estate practice.

  • Analyze common ethical dilemmas and identify appropriate responses.

  • Recognize the difference between legal compliance and ethical excellence.

  • Apply ethical reasoning to strengthen professionalism and client trust.

  • Use practical strategies to prevent conflicts and reduce risk in daily transactions.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Solar Transactions within AAR Compliance

AZ: 3-Hour: Navigating Solar Energy Systems in Real Estate Transactions

Confidently guide clients through the complexities of solar-powered homes while protecting value and ensuring compliance.

This three-hour course provides real-estate professionals with a practical understanding of solar energy systems and their impact on property value, marketability, and transaction complexity. Instructors will guide participants through essential topics such as system ownership, leasing structures, financing, disclosures, and appraisal considerations. Using real-world examples, agents will learn how to address solar-related questions from buyers and sellers while minimizing risk and improving transaction outcomes.

Attendees will learn how to:

  • Distinguish between solar ownership types, including owned, leased, and financed systems.

  • Understand how solar installations affect valuation, inspections, negotiations, and contract disclosures.

  • Identify the documentation required for listing or purchasing a home with solar.

  • Communicate the benefits and challenges of solar systems clearly to clients.

  • Apply best practices to ensure smooth and compliant solar-related transactions.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

 

AZ: 3-Hour Government Loans – What Realtors Need to Know

AZ: 3-Hour: Government Loans – What REALTORS® Need to Know

Gain the confidence to guide clients through today’s complex lending environment with a strong understanding of government-backed loan programs and compliance requirements.

This three-hour course provides real-estate professionals with a clear understanding of current government policies, regulatory changes, and legal requirements impacting Arizona real estate. Instructors will help agents navigate how federal, state, and local regulations influence transactions, disclosures, lending, taxes, and consumer protections. Practical examples and scenario-based discussions ensure participants can confidently apply regulatory updates in their day-to-day business.

Attendees will learn how to:

  • Identify recent government and regulatory changes that affect real-estate practice in Arizona.

  • Understand how federal, state, and local policies impact contracts, disclosures, and transaction timelines.

  • Recognize the role of government agencies in consumer protection and industry oversight.

  • Apply regulatory knowledge to reduce risk and maintain compliance.

  • Communicate relevant regulatory updates clearly to clients and colleagues.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Self-Employed Success: Mastering Mortgage Approval

AZ: 3-Hour: Self-Employed Success — Mastering Mortgage Approval

Help self-employed clients achieve successful real-estate transactions through better understanding, communication, and preparation.

This three-hour course provides real-estate professionals with a clear and practical understanding of how to support self-employed buyers and sellers throughout the real-estate process. Instructors will guide participants through the unique financial, tax, income-verification, and lending considerations that impact self-employed clients. Using real-world examples and actionable strategies, agents will learn how to anticipate challenges, set realistic expectations, and help their clients navigate every stage of the process with confidence.

Attendees will learn how to:

  • Understand how self-employment income is documented, calculated, and evaluated in real estate and lending.

  • Identify common challenges faced by self-employed clients and strategies to overcome them.

  • Explain tax-return components, business structures, and financial documents relevant to real-estate transactions.

  • Communicate effectively with lenders, CPAs, and clients to streamline the transaction.

  • Apply best practices to guide self-employed buyers and sellers with confidence and accuracy.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Top Down Payment Assistance Programs for Home Buyers

AZ: 3-Hour: Top Down Payment Assistance Programs for Home Buyers

Help more clients achieve homeownership by mastering Arizona’s top down payment assistance programs.

This three-hour course provides real-estate professionals with a comprehensive understanding of the most widely used Down Payment Assistance (DPA) programs available in Arizona. Instructors will guide agents through program guidelines, eligibility requirements, income limits, loan structures, and common pitfalls that impact buyers using DPA. Through practical examples and side-by-side comparisons, participants will learn how to confidently incorporate DPA options into buyer consultations and support clients from application to closing.

Attendees will learn how to:

  • Identify the leading DPA programs in Arizona and understand their core features.

  • Explain income limits, credit requirements, and qualifications for various DPA options.

  • Compare DPA program structures, including grants, forgivable loans, and repayable assistance.

  • Recognize documentation, lender requirements, and potential delays associated with DPA.

  • Guide buyers effectively by matching their financial profile to the appropriate program.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:


 
You said:
 
Talk the Walk: How Communication Drives Execution

AZ: 3-Hour: Talk the Walk — How Communication Drives Execution

Master the art of communication to improve execution, strengthen relationships, and elevate performance in real estate.

This three-hour course helps real-estate professionals sharpen their communication skills across verbal, non-verbal, and written channels to improve efficiency, reduce misunderstandings, and enhance collaboration. Through engaging examples and role-play activities, participants will learn how to apply communication techniques that drive clarity, trust, and faster decision-making throughout every stage of a transaction.

Attendees will learn how to:

  • Adapt their message, tone, and channel to different generations, communication preferences, and transaction contexts.

  • Choose and use the most effective communication method (face-to-face, phone, or virtual) for each client interaction.

  • Recognize and project appropriate non-verbal cues to build trust and de-escalate tension.

  • Write clear, concise emails, texts, and notes that reduce back-and-forth and accelerate results.

  • Translate communication activity into measurable execution—turning conversation into commitment, timeline, and action.

  • Know when to dig deeper to resolve issues and when to disengage or redirect while maintaining professionalism.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Today's Agent with HUD, FHA and all Government Loans

AZ: 3-Hour: Today’s Agent with HUD, FHA, and All Government Loans – Disclosures

Empower your business by mastering FHA, VA, and other government-backed loan programs to better serve today’s buyers.

This three-hour course equips real-estate professionals with a clear understanding of government loan programs, including FHA, VA, and other federally backed financing options. Instructors will explore the history, purpose, and evolving role of these programs while addressing common myths, misconceptions, and compliance requirements. Through side-by-side comparisons, participants will gain insight into borrower qualification, property guidelines, underwriting considerations, and appraisal processes—allowing them to guide clients confidently and accurately from contract to close.

Attendees will learn how to:

  • Explain the mission and goals behind FHA and VA loan programs.

  • Identify key differences between FHA, VA, and conventional loan requirements.

  • Recognize common misconceptions and effectively communicate program benefits to buyers and sellers.

  • Understand property, appraisal, and borrower qualification guidelines unique to FHA and VA loans.

  • Apply program knowledge to create smoother, more compliant, and client-focused transactions.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Vital Financing Knowledge for REALTORS

AZ: 3-Hour: Vital Financing – Understanding Today’s Mortgage Landscape

Strengthen your expertise in mortgage finance and guide clients confidently through every step of the home loan process.

This three-hour course provides real-estate professionals with a comprehensive overview of the mortgage lending system, from loan origination to the secondary market. Participants will explore key loan programs—including FHA, VA, Conventional, USDA, and Reverse Mortgages—while also examining credit fundamentals, risk factors, and the regulatory framework that shapes today’s lending environment. Through real-world examples and lender perspectives, agents will learn how to better support buyers, collaborate with lenders, and anticipate financing challenges before they impact the transaction.

Attendees will learn how to:

  • Identify the stages of mortgage origination, processing, and settlement.

  • Understand the roles of Fannie Mae, Freddie Mac, Ginnie Mae, and private investors in the secondary market.

  • Compare conventional, FHA, VA, and USDA loan programs and their qualifying criteria.

  • Recognize the impact of credit scores, compensating factors, and borrower history on loan approval.

  • Explain government-insured loan requirements and how they promote responsible lending and consumer protection.

  • Apply practical financing knowledge to better counsel clients through prequalification, approval, and closing.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Understanding Reverse Mortgage Strategies and Guidelines

AZ: 3-Hour: Understanding Reverse Mortgage Strategies and Guidelines

Help clients unlock the equity in their homes with clarity and confidence through an in-depth understanding of reverse mortgage programs.

This three-hour course equips real-estate professionals with a comprehensive understanding of reverse mortgage products, processes, and borrower considerations. Instructors will guide participants through the history, structure, and purpose of Home Equity Conversion Mortgages (HECMs), while dispelling common myths and exploring real-world applications. Agents will learn to identify client needs, navigate counseling requirements, and ensure compliant, client-focused transactions.

Attendees will learn how to:

  • Explain what a reverse mortgage is and how it differs from traditional financing.

  • Understand the history and evolution of reverse mortgage lending and borrower demographics.

  • Identify eligibility requirements for both borrowers and properties.

  • Differentiate between HECM for Purchase, proprietary programs, and refinance options.

  • Recognize counseling, disclosure, and financial assessment requirements.

  • Guide clients effectively through reverse mortgage conversations to promote informed decisions.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Lender's Process for Appraisals

AZ: 3-Hour: Understanding the Appraisal Process for REALTORS®

Gain clarity and confidence in navigating the appraisal process to better serve your buyers, sellers, and lenders.

This three-hour course provides real-estate professionals with a comprehensive understanding of how the appraisal process works from start to finish. Instructors will guide agents through lender requirements, appraisal methodologies, and communication best practices. Participants will learn how to interpret appraisal reports, respond to low-value situations, and set realistic pricing expectations. Practical examples and scenario-based discussions will ensure agents can bridge the knowledge gap between valuation professionals, clients, and lenders with confidence and accuracy.

Attendees will learn how to:

  • Understand the lender’s appraisal process and its role in mortgage approval.

  • Identify key factors that influence property valuation and market adjustments.

  • Interpret appraisal forms and understand comparable selection.

  • Communicate effectively with appraisers and lenders when questions or discrepancies arise.

  • Recognize the most common issues that lead to low appraisals and how to address them.

  • Apply appraisal knowledge to guide clients through fair pricing, negotiations, and closing.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

AZ Agency Law Comprehension for REALTORS

AZ: 3-Hour: AZ Agency Law Comprehension for REALTORS®

Gain clarity and confidence in navigating agency relationships, fiduciary duties, and client representation under Arizona law.

This three-hour course provides real-estate professionals with a thorough understanding of Arizona’s agency laws, fiduciary duties, and their practical application in day-to-day real estate transactions. Instructors will guide participants through the legal foundations of agency, disclosure responsibilities, and ethical considerations that impact representation. Real-world scenarios and interactive discussions help agents recognize potential conflicts of interest, properly disclose material facts, and maintain compliance with state statutes.

Attendees will learn how to:

  • Define and differentiate the various types of agency relationships in Arizona real estate.

  • Understand fiduciary duties — including obedience, loyalty, disclosure, confidentiality, accounting, and reasonable care — and how to apply them.

  • Recognize potential legal pitfalls, breaches of fiduciary duty, and dual-agency risks.

  • Identify disclosure requirements and avoid unintentional misrepresentation or nondisclosure.

  • Communicate clearly with clients to establish trust and maintain professional integrity.

  • Apply Arizona agency law to real-world scenarios to protect clients and reduce liability.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

NAR Code of Ethics- Commissioner's Standard (Both NAR and State Level)

AZ: 3-Hour: Navigating the REALTOR® Code of Ethics and Professional Standards

Strengthen integrity, professionalism, and trust by mastering the ethical principles that define real estate excellence.

This three-hour course provides real estate professionals with a clear, practical understanding of the National Association of REALTORS® Code of Ethics and Standards of Practice. Instructors will guide participants through key Articles and real-world scenarios that reinforce the importance of honesty, fairness, and professional responsibility. Agents will learn how to identify ethical dilemmas, apply the Code’s guiding principles, and promote transparency and client trust in every transaction.

Attendees will learn how to:

  • Interpret the NAR Code of Ethics and apply it to daily real estate practice.

  • Recognize and resolve common ethical dilemmas using the Code as a decision-making tool.

  • Understand the relationship between ethical duties, legal requirements, and professional conduct.

  • Strengthen communication, disclosure, and cooperation across transactions.

  • Promote professionalism and client-first values to enhance public trust in the real estate industry.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Fun-Tastic Teaching Techniques IDW

AZ: 3-Hour: Fun-Tastic Teaching Techniques for Real Estate Instructors

Re-energize your classroom with engagement strategies that make every CE course more dynamic, memorable, and effective.

This three-hour course is designed specifically for real estate instructors who want to take their teaching to the next level. Participants will explore interactive techniques that boost engagement, promote retention, and transform traditional classroom learning into an enjoyable, impactful experience. Through hands-on examples and group participation, instructors will learn how to incorporate storytelling, gamification, humor, and visual learning to create a student-centered environment that inspires connection and curiosity.

Attendees will learn how to:

  • Incorporate interactive and experiential learning strategies to keep students engaged.

  • Use storytelling, humor, and visual aids to make content more relatable and memorable.

  • Adapt teaching techniques to fit various class sizes and learning styles.

  • Design CE classes that encourage participation, collaboration, and critical thinking.

  • Apply creative methods to maintain attention and enthusiasm throughout a session.


Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.


Downloads:

Arizona CE Course Offerings: 1 Hour

Maximizing Credit Scores with Legal Strategies

Course Overview (1-Hour CE Class)

This focused 1-hour CE course provides real estate professionals with a practical understanding of how consumer credit works and how it impacts a buyer’s ability to qualify for a mortgage. Instructors will guide participants through the components of a credit report, factors that influence scores, common misconceptions, and actionable steps buyers can take to improve credit readiness. This short-format class equips agents with the knowledge needed to better prepare clients and set realistic expectations during the homebuying process.


Key Learning Objectives

By the end of this 1-hour course, participants will be able to:

  • Identify the main components of a credit report and how each contributes to credit scoring.

  • Recognize the differences among FICO scoring models used by lenders.

  • Understand how late payments, credit utilization, collections, and inquiries impact qualification.

  • Provide guidance to clients on establishing, rebuilding, or strengthening credit prior to applying for a mortgage.

  • Avoid common credit myths and communicate accurate, compliance-safe information to buyers.

 

 Instructor Instructions — 1-Hour CE Class (Credit)

Step 1 — Register Your Class (Due ≥ 20 Calendar Days Before Class)

  1. Download and complete the Class Registration Flyer.

  2. Email it to Cindy Hallas at challas@altitudehomeloans.com.

    • Must be submitted no later than 20 calendar days prior to your scheduled class date.

After ADRE Approval

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint.

Day of Class

  • Use the official roster for attendee sign-in.

  • Confirm all fields are complete and legible.

After Class (Within 48 Hours)

  • Email the signed attendance sheet to challas@altitudehomeloans.com within 48 hours.

  • Use subject line format:
    “Credit – Sign-In Sheet – [MM/DD/YY]”


 Download Flyer Template

 

 

 

Divorce Dynamics: Navigating Transactions Smoothly

Course Overview

Divorce & Real Estate (1-Hour CE) equips agents to navigate property issues that arise during or after divorce with professionalism and care. The class clarifies how dissolution, court orders, and settlement terms can affect title, financing, timelines, disclosure, and communication with clients and attorneys. Emphasis is placed on staying within the agent’s scope, protecting confidentiality, and reducing risk while guiding clients through emotionally charged transactions.

Key Learning Objectives

By the end of this 1-hour course, participants will be able to:

  • Identify how divorce proceedings and settlement documents can impact title, financing, and closing timelines.

  • Recognize the agent’s role and limits when coordinating with attorneys, lenders, and escrow officers.

  • Apply best practices for confidentiality, documentation, and clear communication between parties.

  • Spot common red flags (orders of protection, temporary orders, liens) and route issues to the right professionals.

  • Reduce risk through accurate disclosures and expectations management during contentious negotiations.

Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

  • On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.

Download Flyer

Government Loan Essentials for Realtors

Course Overview

Government Loan Essentials (1-Hour CE) provides real estate professionals with a streamlined, practical understanding of the three primary government-backed loan programs: FHA, VA, and USDA. This course highlights qualification basics, property requirements, appraisal considerations, and common misconceptions so agents can better guide buyers and avoid preventable delays. The 1-hour format focuses on high-impact essentials agents must know to support government-financed transactions with confidence.

Key Learning Objectives

By the end of this 1-hour course, participants will be able to:

  • Differentiate among FHA, VA, and USDA loan programs and identify appropriate buyer profiles for each.

  • Understand core property requirements, appraisal standards, and repair expectations associated with government loans.

  • Recognize common issues that lead to delays, suspensions, or loan ineligibility.

  • Communicate accurate program expectations to buyers, sellers, and cooperating agents to improve transaction outcomes.

  • Reduce risk by spotting early red flags related to credit, income, debt ratios, and property condition.

Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

  • On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.

Download Flyer

A Lender's Guide to Appraisal Protocols

Course Overview (1 Hour)

This focused, one-hour CE class gives agents a clear, practical look at how appraisals are evaluated from the lender’s perspective—what underwriters look for, how valuation risks are flagged, and how to avoid delays. Participants learn how appraisal scope, comparables, condition/quality ratings, and contract terms intersect with financing so they can set realistic expectations, respond to issues quickly, and keep transactions on track.

A Lender's Guide to Appraisal O…

Key Learning Objectives

By the end of this class, participants will be able to:

  • Explain the purpose and workflow of appraisals within the loan process (order to underwriting review).

  • Identify the most common appraisal conditions (revisions, repairs, reconsiderations) and how to address them.

  • Understand how comps, bracketing, and property characteristics influence value credibility.

  • Anticipate lender red flags (CU scores, property deficiencies, contract concessions) that can stall closings.

  • Communicate realistic timelines and solutions to clients when valuation challenges arise.


Instructor Instructions — 1-Hour CE Class

Step 1 — Register Your Class (Due ≥ 20 Calendar Days Before Class)

  1. Download and complete the Class Registration Flyer.

  2. Email it to Cindy Hallas at challas@altitudehomeloans.com.

    • Deadline: Submit no later than 20 calendar days prior to your scheduled class date.

After ADRE Approval

  • Cindy will email your official roster.

  • Return to this page to download your class materials and PowerPoint.

Day of Class

  • Use the official roster for attendee sign-in.

  • Confirm all fields are complete and legible for every attendee.

After Class (Within 48 Hours)

 

Download Flyer Template

 

 

Summary of Reverse Mortgage Guidelines

Course Overview

Reverse Mortgages (1-Hour CE) provides real estate professionals with a clear, accurate understanding of Home Equity Conversion Mortgages (HECMs) and how they can be used in purchase and refinance scenarios. This course breaks down eligibility, property requirements, financial assessments, and common myths, enabling agents to confidently guide older homeowners while remaining compliant and within their professional scope.

Key Learning Objectives

By the end of this 1-hour course, participants will be able to:

  • Explain the core features and qualifying criteria of HECM reverse mortgages.

  • Identify appropriate client profiles and scenarios where a reverse mortgage may be beneficial.

  • Understand property, occupancy, and counseling requirements associated with HECMs.

  • Recognize common misconceptions and communicate accurate, compliance-safe information.

  • Support buyers and sellers using reverse mortgages while maintaining clear boundaries with lenders and advisors.

Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

  • On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.

Download Flyer

Vital Financial Literacy For REALTORS

Course Overview

Vital Financial Literacy (1-Hour CE) empowers real estate professionals with essential financial concepts that directly impact consumers’ ability to buy, sell, and maintain homeownership. This course breaks down budgeting, debt management, credit behavior, savings strategies, and long-term financial planning—giving agents the knowledge to better support clients making major housing decisions. The 1-hour format offers a high-impact, accessible overview that enhances client guidance and reduces transactional misunderstandings.

Key Learning Objectives

By the end of this 1-hour course, participants will be able to:

  • Explain the fundamental components of consumer financial health, including budgeting, savings, debt, and credit behavior.

  • Recognize how financial literacy affects a client’s readiness for mortgage qualification and long-term homeownership stability.

  • Identify common financial pitfalls and discuss practical, compliant strategies clients can use to improve financial strength.

  • Understand how to communicate financial concepts in simple, client-friendly language without providing regulated financial advice.

  • Support buyers and sellers by setting realistic expectations related to affordability, payment strategies, and financial preparedness.

Instructor Instructions

To register your class with ProEdge Realty Education:

Step 1: Download and complete the Class Registration Flyer and email it to Cindy Hallas (challas@altitudehomeloans.com).
This must be submitted no later than 20 calendar days prior to your scheduled class date.

Once the class is approved by the Arizona Department of Real Estate (ADRE):

  • Cindy will send your official roster.

  • Return to this page to download your class materials and PowerPoint presentation.

  • On the day of the class, use the official roster for attendee sign-in and confirm all fields are complete.

After class completion:

  • Return the signed attendance sheet within 48 hours to challas@altitudehomeloans.com.

  • Use the subject line: “[Class Title] – Sign-In Sheet – [MM/DD/YY]”.

Download Flyer