Plan Your 3-Hour CE Class

Arizona CE Category: 3-Hour Legal

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 transaction timelines. REALTORS® will also learn how to collaborate with attorneys, mediators, lenders, and other professionals to protect their clients and keep transactions on track.

Key Learning Objectives

1. Recognize the stages and emotional dynamics of divorce and how they affect real estate decisions.
2. Anticipate title, equity, and financing considerations unique to divorce-related transactions.
3. Identify red flags and avoid common issues that may delay or derail a closing.
4. Communicate with empathy and neutrality while maintaining the trust of all parties.
5. Coordinate with legal and financial professionals while maintaining compliance and confidentiality.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Agency Law

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.

Key Learning Objectives

1. Explain the purpose and structure of agency relationships in Arizona real estate.
2. Identify fiduciary duties and how they apply to different types of client relationships.
3. Demonstrate how to manage confidentiality, disclosure, and representation ethically.
4. Apply agency principles to real-world scenarios to reduce risk and improve professionalism.
5. Recognize common agency misunderstandings and learn strategies to resolve them effectively.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Legal

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 real estate transactions involving probate properties. Participants will examine the legal, procedural, and emotional considerations that may arise when assisting clients who are managing an estate. The course provides practical guidance regarding court involvement, transaction timelines, required documentation, and effective communication.

Key Learning Objectives

1. Define the probate process and identify when it applies to a real estate transaction.
2. Understand the roles of executors, administrators, and heirs during the sale of estate property.
3. Recognize important legal documents and timelines associated with probate sales.
4. Work compassionately and effectively with clients during sensitive situations.
5. Navigate common challenges and support a smooth, compliant transaction from listing through closing.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Contract Law

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.

Key Learning Objectives

1. Explain the difference between pre-qualification, pre-approval, and full loan approval.
2. Identify key components of the borrower qualification process.
3. Understand how credit, income, and assets are evaluated by lenders.
4. Strengthen communication between real estate and lending professionals.
5. Guide clients through the financing process to support smoother, more successful closings.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Legal

The Power of Credit and Maximizing Your Credit Score

Build practical credit knowledge that helps REALTORS® guide clients toward stronger financial readiness and successful homeownership.

This three-hour course explains how consumer credit works and how credit decisions can affect a buyer’s ability to qualify for mortgage financing. Participants will examine credit reports, scoring factors, common credit challenges, consumer protections, and legal strategies that may help buyers improve their financial position.

Key Learning Objectives

• Understand the primary factors used to calculate consumer credit scores.
• Recognize how payment history, credit utilization, account age, credit inquiries, and account types can affect a credit profile.
• Identify common credit-reporting errors and the appropriate process for disputing inaccurate information.
• Explain how credit scores and credit history may affect mortgage qualification, loan options, interest rates, and purchasing power.
• Discuss legal and ethical strategies that consumers may use to establish, protect, and improve their credit.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour General

Educating Arizona: Deed Fraud, Water and Firewise

Explore three important issues affecting Arizona property owners, real estate professionals, and communities.

This three-hour course examines deed fraud prevention, Arizona water considerations, and Firewise principles. Participants will learn how these topics may affect property ownership, real estate transactions, consumer awareness, and community safety throughout Arizona.

Key Learning Objectives

• Recognize common forms of deed and title fraud and understand how fraudulent transfers may affect property owners.
• Identify warning signs of possible deed fraud and resources that may help property owners protect their interests.
• Understand the importance of Arizona’s water resources and how water availability may affect properties and communities.
• Explain Firewise principles and how defensible-space practices may help reduce wildfire risks.
• Communicate these property-related considerations accurately and responsibly to Arizona buyers and sellers.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Fair Housing

Understanding Technology’s Influence on Modern Home Sellers

Explore how evolving technology is changing seller expectations, property marketing, communication, and real estate transactions.

This three-hour course examines how digital platforms, automation, artificial intelligence, and consumer applications influence modern home sellers. Participants will learn how to use technology responsibly while maintaining effective communication, professional standards, and compliance with Fair Housing requirements.

Key Learning Objectives

• Identify emerging technologies that affect seller decisions and listing strategies.
• Understand how digital marketing, automation, and data tools influence property exposure.
• Recognize the role of online platforms, artificial intelligence, and consumer applications in shaping market expectations.
• Apply technology-driven best practices to strengthen client communication and transaction outcomes.
• Evaluate potential Fair Housing concerns, ethical considerations, and compliance risks associated with technology-based tools.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Commissioner’s Standards

Navigating Ethical Standards with Mobile Technology

Learn how to use mobile technology effectively while protecting client information and maintaining professional and ethical standards.

This three-hour course examines the ethical responsibilities associated with smartphones, mobile applications, electronic communications, social media, digital documents, and other technology used in real estate practice. Participants will explore practical ways to protect confidential information, communicate professionally, manage digital risks, and maintain public trust.

Key Learning Objectives

• Recognize ethical responsibilities when using smartphones, applications, social media, and electronic communication.
• Identify risks involving confidential client information, account security, electronic records, and mobile devices.
• Apply professional communication standards to text messages, emails, social-media activity, and other digital interactions.
• Understand how careless or improper technology use may affect clients, transactions, professional relationships, and public trust.
• Develop responsible mobile-technology practices that support ethical decision-making and professional conduct.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Contract Law

Solar Transactions Within AAR Compliance

Learn how solar energy systems can affect Arizona real estate contracts, disclosures, financing, and closing requirements.

This three-hour course examines solar energy systems within the framework of Arizona real estate transactions and AAR contract compliance. Participants will explore common ownership and financing arrangements, required disclosures, contract considerations, title and appraisal concerns, and the questions that should be addressed before a solar-equipped property reaches closing.

Key Learning Objectives

• Distinguish among owned, financed, leased, and power-purchase solar arrangements.
• Identify AAR contract provisions and disclosures that may apply to properties with solar energy systems.
• Recognize how solar agreements, liens, loan balances, and transfer requirements may affect a real estate transaction.
• Understand potential appraisal, title, financing, insurance, and closing considerations involving solar-equipped properties.
• Ask appropriate questions and encourage early documentation review to help buyers and sellers avoid preventable delays.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Legal

Government Loans—What REALTORS® Need to Know

Strengthen your understanding of FHA, VA, and USDA financing so you can better support buyers and sellers throughout the transaction.

This three-hour course provides REALTORS® with a practical overview of government-backed mortgage programs and the requirements that may affect a real estate transaction. Participants will examine borrower eligibility, property standards, appraisals, financing considerations, seller contributions, and common misconceptions involving FHA, VA, and USDA loans.

Key Learning Objectives

• Understand the basic purposes, benefits, and eligibility requirements of FHA, VA, and USDA mortgage programs.
• Recognize property-condition and appraisal requirements that may affect government-financed transactions.
• Identify allowable seller contributions and other financing considerations associated with each program.
• Address common misconceptions that may discourage buyers, sellers, or agents from considering government-backed financing.
• Communicate effectively with buyers, sellers, lenders, appraisers, and other transaction participants to help prevent avoidable delays.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Legal

Self-Employed Success: Mastering Mortgage Approval

Learn how self-employed income is evaluated so you can help clients prepare for a smoother mortgage-approval process.

This three-hour course explains the documentation, income analysis, and underwriting considerations involved when a self-employed borrower applies for mortgage financing. Participants will examine tax returns, business structures, qualifying income, allowable adjustments, financial statements, and alternative documentation programs that may be available to eligible borrowers.

Key Learning Objectives

• Recognize how lenders generally determine whether a borrower is considered self-employed.
• Identify the tax returns, financial records, and business documentation commonly required during mortgage underwriting.
• Understand how qualifying income may be calculated from sole proprietorships, partnerships, S corporations, and corporations.
• Explain how business expenses, declining income, significant income changes, and business stability may affect mortgage qualification.
• Recognize alternative documentation programs and preparation strategies that may help eligible self-employed buyers pursue homeownership.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour General

Top Down Payment Assistance Programs for Home Buyers

Explore down payment assistance options that may help qualified buyers overcome one of the most common barriers to homeownership.

This three-hour course introduces real estate professionals to commonly available down payment and closing-cost assistance programs. Participants will examine program structures, buyer eligibility, income and purchase-price limitations, occupancy requirements, repayment terms, lender coordination, and transaction considerations that may affect successful approval and closing.

Key Learning Objectives

• Understand the purpose and basic structure of down payment and closing-cost assistance programs.
• Recognize common borrower, income, occupancy, property, and purchase-price eligibility requirements.
• Distinguish among grants, forgivable assistance, deferred-payment assistance, and repayable subordinate financing.
• Identify transaction considerations that may affect financing timelines, contract terms, seller contributions, and closing.
• Communicate accurately with buyers and lending partners while avoiding promises about program eligibility or approval.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour General

Talk the Walk: How Communication Drives Execution

Strengthen the communication skills that help real estate professionals manage expectations, solve problems, and move transactions forward.

This three-hour course examines how clear, timely, and purposeful communication supports successful real estate transactions. Participants will explore communication styles, active listening, expectation management, conflict resolution, professional documentation, and strategies for coordinating effectively with clients and transaction partners.

Key Learning Objectives

• Recognize how communication styles can affect client relationships, teamwork, and transaction outcomes.
• Apply active-listening and questioning techniques to uncover concerns, clarify expectations, and reduce misunderstandings.
• Communicate complex information clearly and appropriately to clients and transaction partners.
• Use professional written communication and documentation practices to support accountability and follow-through.
• Develop strategies for managing difficult conversations, resolving conflict, and keeping transactions moving toward completion.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Disclosures

Today’s Agent with HUD, FHA, and All Government Loans

Build the government-loan knowledge needed to communicate property requirements, disclosures, and transaction expectations more effectively.

This three-hour course examines HUD, FHA, VA, USDA, and other government-backed financing considerations that may affect real estate transactions. Participants will explore program distinctions, property standards, appraisal requirements, required disclosures, seller considerations, and the communication needed to help buyers and sellers navigate these transactions successfully.

Key Learning Objectives

• Understand the roles of HUD and the federal agencies connected with government-backed mortgage programs.
• Distinguish among the basic purposes and requirements of FHA, VA, USDA, and other government-loan options.
• Recognize property-condition, appraisal, and disclosure requirements that may affect a government-financed transaction.
• Identify seller, buyer, and contract considerations that should be addressed early in the transaction.
• Communicate accurately with clients, lenders, appraisers, and other transaction participants to help reduce confusion and prevent delays.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour General

Vital Financing Knowledge for REALTORS®

Build practical mortgage knowledge that helps REALTORS® communicate confidently and support clients throughout the home-financing process.

This three-hour course provides real estate professionals with an overview of the financing concepts that commonly affect buyers, sellers, contracts, and closings. Participants will examine loan-program differences, borrower qualification, credit, income, assets, appraisals, property requirements, prequalification, and communication with lending partners.

Key Learning Objectives

• Understand the basic differences among Conventional, FHA, VA, USDA, and other commonly used mortgage programs.
• Recognize how credit, income, employment, assets, debts, and property type may affect mortgage qualification.
• Distinguish between an initial prequalification and a more thoroughly reviewed loan approval.
• Identify appraisal, property-condition, financing, and contract considerations that may affect the transaction.
• Communicate more effectively with buyers, sellers, and lending partners while staying within the REALTOR® role.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour General

Understanding Reverse Mortgage Strategies and Guidelines

Learn how reverse mortgage financing may help eligible older homeowners use home equity to support their housing and financial goals.

This three-hour course provides real estate professionals with a practical overview of reverse mortgage programs, including Home Equity Conversion Mortgages. Participants will explore borrower and property eligibility, available payment structures, financial obligations, purchase transactions, common misconceptions, counseling requirements, and the REALTOR®’s role when working with older homeowners and their families.

Key Learning Objectives

• Understand the basic purpose and structure of reverse mortgage financing.
• Recognize common borrower, age, occupancy, property, equity, and financial-assessment requirements.
• Explain the borrower’s continuing responsibilities for property taxes, homeowners insurance, maintenance, and other property-related obligations.
• Understand how a reverse mortgage may be used to purchase an eligible principal residence.
• Address common misconceptions and communicate appropriately with older homeowners, family members, lenders, and other trusted advisors.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour General

A Lender’s Process for Appraisals

Understand how lenders manage the appraisal process and how appraisal results can affect mortgage approval and real estate transactions.

This three-hour course explains the lender’s role in ordering, reviewing, and responding to residential appraisals. Participants will examine appraiser independence, valuation methods, property-condition requirements, appraisal reports, reconsideration-of-value requests, repair requirements, and communication practices that can help keep transactions moving forward.

Key Learning Objectives

• Understand how and when a lender orders an appraisal during the mortgage process.
• Recognize the requirements designed to protect appraiser independence and valuation integrity.
• Identify the primary sections of an appraisal report and the information lenders evaluate during review.
• Explain how value conclusions, comparable sales, property conditions, and required repairs may affect the transaction.
• Understand the appropriate process for addressing appraisal concerns and submitting a reconsideration-of-value request.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Contract Law

Comprehending the AAR Contract

Strengthen your understanding of the Arizona REALTORS® Residential Resale Real Estate Purchase Contract and the responsibilities it creates throughout the transaction.

This three-hour course provides a practical review of the primary provisions within the Arizona REALTORS® Residential Resale Real Estate Purchase Contract. Participants will examine contract structure, important timelines, financing terms, due-diligence responsibilities, disclosures, remedies, addenda, and communication practices that support accurate contract preparation and performance.

Key Learning Objectives

• Understand the organization and purpose of the major sections of the AAR Residential Resale Real Estate Purchase Contract.
• Recognize important dates, deadlines, notice requirements, and responsibilities established by the contract.
• Explain financing, appraisal, inspection, disclosure, and due-diligence provisions that may affect the transaction.
• Identify common contract errors, omissions, and communication problems that may create risk or delay.
• Apply contract knowledge to realistic transaction scenarios while remaining within the scope of the real estate licensee’s role.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Commissioner’s Standards

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. Participants will examine key Articles and real-world scenarios that reinforce honesty, fairness, cooperation, disclosure, and professional responsibility in real estate practice.

Key Learning Objectives

• Interpret the NAR Code of Ethics and apply its principles to daily real estate practice.
• Recognize and resolve common ethical dilemmas using the Code as a decision-making guide.
• Understand the relationship among ethical duties, legal requirements, and professional conduct.
• Strengthen communication, disclosure, cooperation, and client-first practices throughout the transaction.
• Promote professionalism and ethical behavior that enhance public trust in the real estate industry.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.

Arizona CE Category: 3-Hour Instructor Development Workshop

Fun-Tastic Teaching Techniques

Develop engaging instructional techniques that make continuing education more interactive, memorable, and valuable for adult learners.

This three-hour instructor-development workshop helps continuing education instructors strengthen presentation skills and create more effective classroom experiences. Participants will explore adult-learning principles, participant engagement, lesson organization, delivery techniques, classroom management, technology use, and methods for encouraging meaningful discussion and knowledge retention.

Key Learning Objectives

• Apply adult-learning principles when planning and delivering continuing education courses.
• Use interactive teaching methods that encourage participation, discussion, and practical application.
• Organize course content and classroom activities to support the approved learning objectives.
• Strengthen presentation, facilitation, time-management, and classroom-management skills.
• Incorporate appropriate technology, real-world examples, and knowledge checks to improve learner engagement and retention.

Flyer and Class Registration Process

1. Submit Your Flyer-Template Request. Complete the request form using the contact information where you want to receive Pro Edge CE class communications. You must also select the consent option before submitting the form.
2. Download and Complete Your Flyer. After submitting the form, watch for the automated email containing access to the flyer-download page. Select the Arizona 3-Hour section, locate this course, and download its editable flyer template. Complete every editable field using accurate class information.
3. Email the Completed Flyer to Cindy Hallas. Send the completed flyer to challas@altitudehomeloans.com for review. Cindy must receive the final flyer at least 20 calendar days before the scheduled class date. If the class is fewer than 20 days away but at least 16 days away, call Cindy before submitting it to ask whether an exception may be possible.
4. Watch for Approval and Course-Materials Access. Cindy will review the flyer and register the class with the Arizona Department of Real Estate. After approval, she will send the Certificate and Official ADRE Roster. A separate email will provide access to the approved PowerPoint presentation and class materials needed to teach the course.

Important: Pro Edge course content and materials are protected under the Instructor Code of Conduct and may not be copied, distributed, taught, or referenced outside of authorized Pro Edge classes.