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billmorganrealestateacademy.com
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Description: Real Estate License school providing classes for Salesperson License and Continuing Education for Real Estate Brokers and Salespersons in Massachusetts.
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Welcome Bill Morgan Real Estate Academy Main Navigation Welcome Get My License License Class Dates Continuing Education CE Class Dates Register For Class Useful Links Day of Class Online Classes Mass Real Estate Classes - Hot News Sales License Classes Only $349 Live Continuing Education 12 Credits $125 It is a great time to get your Massachusetts Real Estate Salesperson License, so call us today and register to attend one of our 40-hour Massachusetts Pre-License Classes! You can finish the class in only 4 days over 2 weekends. The cost for the Massachusetts Real Estate Salesperson Class is only $349. Bill Morgan Real Estate Academy is committed to providing enjoyable, high quality Mass Real Estate Classes. My Real Estate Broker, Salesperson License and Continuing Education Classes are always offered at competitive prices. My Mass Real Estate Classes are informative, entertaining and loaded with current information. If you want your Real Estate Salesperson License, Mass Real Estate Continuing Education or Mass Real Estate Broker License Class to be interesting, educational and fun, then my school is the best choice! My next Salesperson Pre-License class is in Peabody on Rt. 1 at the Holiday Inn. The class will be held on September 10th, 11th, 17th and 18th . This is a Sat/Sun class and runs from 8am to 7pm. This is a live class and not a video. Then I will have another Sat/Sun class on October 1st, 2nd, 8th and 9th. It's a great time to get your Real Estate License so be sure to register and reserve your seat today. ----------------------------------------------- What Our Students Say! Here is what Robert from Marlboro had to say. Bill thank you so much for your class and especially John as the instructor!! I found it to be informative and quite frankly fascinating. I thought John did an excellant job at articulating all of the concepts in the book and also being informative, amiable, and a whole bunch of other big words... :-) Seriously he was great and I learned a lot from him and the class. Do not lose him as an instructor. Thanks again to you and John!! Here is what DS from Salem had to say. John, the instructor, made 4 days so incredibly easy to digest and understand. His attitude, pace, knowledge and ability to take complex theories and relate them in a very simple way was beyond my expectations; I simply could not imagine doing this course with any other instructor. Here is what Gale from Lynnfield had to say. This class was great.... Loved John... great voice and held my attention even when the parts were boring. I will send the feedback out shortly.. still studying... thanks for the hints.. You have the BEST class. To view the schedules, just click on a link below. Online Classes Continuing Education Classes Salesperson License Class Schedule I hope to see you in class soon and "Let's have some fun!" Thank you very much! Bill Morgan CBR "The Hat Guy" ----------------------------------------------------------- New Hot News For Mass Real Estate Agents Renew Your License Online! May 15, 2016 You can now renew your license online. Just click on the link below for additional information. This is great news for those of us who wait until the last minute. :-) Renew Your License Online ----------------------------------------------------------- 30 Yr. Fixed Rate Falls. Now Under 3.5% July 11, 2016 30 Year fixed rate is falling, but should rates be lower than they are? If you look at the 10 yr Treasury, it is under 1.4% so 30 year rates should be around 3.1%. Usually 30 year rate sits 1.7% above 10 year Treasury rate??? I am starting to see a slowdown in the market. Keep in mind however, even though the housing market is hot right now, inventory is very low. 30 Year Fixed Rate ------------------------------------------------ Board Hires New Testing Vendor, PSI April 1, 2016 Effective April 1, 2016 the Real Estate Exams will be administered by a new testing service, PSI. Please click on the link below for more information. New Testing Service ----------------------------------------------------------- Mortgage Forgiveness Debt Relief Act Extended 2016 December 25, 2015 The Mortgage Forgiveness Debt Relief Act is now extended through the end of 2016. What this means is, if you had a foreclosure or short sale and the bank had a loss, they would send you an IRS 1099-C and normally, you would have to pay income taxes on that money. With the extension of the MFDRA you will not have to pay the Federal tax, provided the money you borrowed was used to purchase or improve a primary residence. Unfortunately, you will still have to pay Massachusetts state tax on the income. Just thought you should know :-) MFDRA Extended ----------------------------------------------------------- Governor Baker Fixes Cloudy Foreclosure Titles December 11, 2015 Governor Baker, if I understand this correctly, has signed Senate Bill No. 2015 that should clear all the bad foreclosure titles, three years after the recording of the "Power of Sale" regardless of whether or not the Mortgage was properly assigned to the foreclosing entity. This is great news for all Massachusetts homeowners who bought a foreclosed property that had a faulty foreclosure. The previous ruling from the Massachusetts Supreme Judicial Court in the case of “Ibanez v. US Bank” stated all those foreclosures titles were no good. The law goes into effect December 1, 2016. Thank you Governor Baker. Good job!!!!! Senate Bill No. 2015 ----------------------------------------------------------- New RESPA - TILA Law Goes Into Effect October 1, 2015 July 12, 2015 Under the new TILA law, the HUD-1 (formerly know as the Settlement Statement, now called the Closing Disclosure) must be provided to the Consumer 3 business days prior to the closing. However, if changes need to be made to the HUD-1 after it is provided to the consumer or at the closing table, will that require a new 3 day waiting period? Contrary to what I originally heard, the answer is NO!!! The only time a change to the HUD-1 would require a new 3 day waiting period is if the APR increases, a prepayment penalty is added or the basic loan product changes. New TILA-RESPA Rules ----------------------------------------------------------- New FTC Ruling Affects Real Estate Agents August 19, 2011 The FTC has passed a new ruling requiring Real Estate Agents, who provide certain information about mortages to prospective buyers, to provide a written disclosure statement to customers and retain all records for 2 years. Just providing generic information about mortgages, or pre-qualifing a buyer will most likely not require any disclosure, however if you provide the consumer with specific information about a particular financing program ( ABC Bank has a 30 year fixed rate loan at X % with 2 points), take an application for financing or only provide a lender's Daily Rate Sheet, a disclosure will be required. As always, this should be discussed with your manager and maybe at your office meeting too. Copy of the New FTC Ruling ----------------------------------------------------------- Massachusetts Real Estate Classes - New License Law June 1, 2011 A new Massachusetts law, effective June 1, 2011, now requires anyone wishing to take the Mass Real Estate Classes to get their Salesperson License, to attend 40 hours of classroom instruction before they will be allowed to take the Mass Real Estate License Exam. The requirement to get the Broker License will also increase from a 30-hour class to a 40-hour class and you will be required to have three years, full time, experience as a Massachusetts Salesperson before you can take the exam for the Massachusetts Broker License. Below is the link to the new law. Mass Real Estate Classes New Law -------------------------------------------------------- New Homestead Law Automatic $125,000 Homestead Protection March 18, 2011 Massachusetts Declaration of Homestead provides a simple and inexpensive way to proctect the equity in a principal home from up to $500,000 in certain creditor’s claims. Now the Legislature has passed the revisions to the Massachusetts Homestead Act Senate Bill 2406 ,giving homeowners expanded protection. The bill was signed on Dec.17, 2010 and became law on March 18, 2011. Here’s a summary of highlights of the amended bill: All Massachusetts homeowners will receive an automatic homestead exemption of $125,000 for protection against certain creditor claims on their principal residence without having to do anything. All Mass. residents are eligible for a $500,000 "declared homestead exemption" by filing a declaration of homestead at the registry of deeds. For married couples, both spouses will now have to sign the form–which is a change from prior practice. Homesteads are now available on 2-4 family homes, and for homes in trust. The existing "elderly and disabled" homestead will remain available at $500,000. If you have a homestead as a single person, and get married, the homestead automatically protects your new spouse! Homesteads now pass on to the surviving spouse and children who live in the home. You do not have to re-file a homestead after a refinance. There’s always been confusion here, with lenders requiring homeowners to either subordinate or release homesteads. Under the new law, homesteads are automatically subordinate to mortgages, and lenders are specifically prohibited from having borrowers waive or release a homestead. Closing attorneys in mortgage transactions must now provide borrowers with a notice of availability of a homestead. ------------------------------------------------------- Mass Real Estate Classes - Supreme Court Upholds Ibanez Ruling January 7, 2011 The Massachusetts Supreme Judicial Court on Friday ruled in favor of Mr. Ibanez, who had his home foreclosed upon by U.S. Bank in 2007. Mr. Ibanez's Mortgage had been resold 5 different times and eventually end up in a pool of mortgages where U.S. Bank was the trustee. Because the mortgage was not assigned directly to U.S. Bank, the court ruled that U.S. Bank had no right to do a foreclosure, because they were not the" Mortgage Holder of Record." Mr. Ibanez gets his home back! This ruling may have serious impact on many if not all of the foreclosures that have been done in Massachusetts over the last however many years. Will Title Insurance companies write Title Insurance, for someone buying a foreclosure, if the foreclosing entity was not the "Mortgage Holder of Record" at the time the foreclosure was done? This decision will have impact across the country and it will be interesting to see how it plays out over the next few months. Here is a link to one of the articles. SJC Ibanez Ruling ----------------------------------------------------------- Bill Morgan Real Estate Academy 37 Bates Rd. Swampscott, MA 01907 - Tel. (978) 744-9717 Licensed by the Commonwealth of Massachusetts #1224 Content copyright . Bill Morgan Real Estate Academy. All rights reserved.

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