Real Estate Course Finder

Online searchable database for Real Estate schools and courses

The Real Estate Course Finder is a searchable database of real estate schools and courses available to HAR members and the general public to search and register for courses online.
The "Real Estate Course Finder" is a searchable database of real estate schools and courses available to HAR members and the general public to search and register for courses online.
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Brokers & Salespersons applying or renewing must now provide fingerprints
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Local Schools Offerring Fingerprinting
  • Spencer Training and Testing Development
  • Sierra School of Real Estate

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    Real Estate Dictionary
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    Our Glossary can help you learn about commonly used terms and the different senior housing and care choices available.
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    Negative Amortization
    A gradual increase in mortgage debt that occurs when the monthly payment is not large enough to cover the entire principal and interest due. The amount of the shortfall is added to the remaining balance to create "negative" amortization.
     
    Net Cash Flow
    The income that remains for an investment property after the monthly operating income is reduced by the monthly housing expense, which includes principal, interest, taxes, and insurance (PITI) for the mortgage, homeowners' association dues, leasehold payments, and subordinate financing payments.
     
    Net Worth
    The value of all of a person's assets, including cash, minus all liabilities.
     
    No Cash-Out Refinance
    A refinance transaction in which the new mortgage amount is limited to the sum of the remaining balance of the existing first mortgage, closing costs (including prepaid items), points, the amount required to satisfy any mortgage liens that are more than one year old (if the borrower chooses to satisfy them), and other funds for the borrower's use (as long as the amount does not exceed 1 percent of the principal amount of the new mortgage).
     
    Nonliquid Asset
    An asset that cannot easily be converted into cash.
     
    Note
    A legal document that obligates a borrower to repay a mortgage loan at a stated interest rate during a specified period of time.
     
    Note Rate
    The interest rate stated on a mortgage note.
     
    Notice Of Default
    A formal written notice to a borrower that a default has occurred and that legal action may be taken.
     

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