Welcome to the HomeAid + ABBY&FINN diaper donation page. ABBY&FINN, a Colorado-based diaper company, is excited to help support HomeAid by providing diapers at cost to help families in need. The high quality diapers are responsibly manufactured, Totally Chlorine Free and made without fragrances, lotions or dyes.

Skip the trip to the store and securely check out through this hassle-free, 3-step ordering process. Diaper price is standard across sizes 1-6 in order to allow fair diaper allocation among all donors. Once all orders are received, ABBY&FINN and HomeAid will work together to ensure non-profits receive the sizes they need.

Orders will be palletized and delivered with FREE shipping! (Pick up from our Aurora, CO facility will be available for the Colorado chapter). If you have any questions, would rather reach out directly to place an order or pay by check, please email amanda@abbyandfinn.com

$39

4 Total hours
0 Elective hours
4 Annual Commission Update hours

Each year, the Annual Commission Update (ACU) Course provides important information related to regulatory changes and issues affecting Colorado real estate practice.

This four-hour course meets the regulatory requirements for CO broker continuing education. It highlights compliance issues, reviews general practice knowledge, and summarizes recent regulatory and Commission changes that affect the real estate industry. In addition, it increases licensee competency so that brokers may better serve consumers.

Caveat: To ensure you're in compliance with updated rules and regulations, this course is best taken at the beginning to middle of the year! Also, the Commission would like to remind licensees that the ACU is not a contracts course. You'll want to ensure you take steps required so that you understand current contracts on a deeper level.

This course covers:

- Common compliance issues, including new rule highlights, DORA investigative statistics, top violations, and continuing education issues
- Adverse material fact disclosure, including a case study of how things can go wrong
- Intellectual property as it relates to real estate practice
- Technology and privacy issues
- Legislation impacting property management, including habitability, bed bugs, and tenant health and safety
- New forms and changes including listing contracts, bills of sale, and closing instructions
- Resources for licensees

3 Total hours
3 Elective hours
0 Annual Commission Update hours

Tactics that work with motivated, excited sellers don't always translate well when working with short sale sellers and short sale buyers. Toss lender approvals, junior lien holders, and inflexible timelines into the mix, and you end up with a whole new ball game.

In a short sale transaction, the motivation for each party is different than the standard transaction, and as the professional in the scene, you need to adjust accordingly. This course speaks to your interaction with short sale sellers, and how you can help them through a tough process while diligently advocating on their behalf. We cover how to figure out an appropriate listing price, negotiate with the lender's representative, sort through debt settlement terminology, and carry the deal through to closing. We also look at the process from a buyer's agent perspective. Additional cautions, considerations, and fraud prevention tactics are required when advocating on behalf of these deal-seeking buyers.

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

In Colorado, this course is also approved under Rule A-27(B)(3), which allows real estate licensees to use the course toward their pre-license requirements necessary to become an Employing Broker.

Affordable housing, or lack thereof, has been a discussion topic in the media, advocacy groups, and the political arena for years, and lately the chatter has become louder and more urgent. How bad is it? According to the leader of one housing coalition, “It’s not a housing crisis. It’s a housing catastrophe.” In this course, we’ll explore the impact that a lack of affordable housing has on individuals, families, and the real estate industry.

If it’s true that inside of every problem lies an opportunity, the opportunity here is huge. We’ll explore largely untapped solutions to locate housing and secure financing, even for low-income borrowers with less-than-stellar credit and little to no down payment. And in three “Bringing it Home” lessons, we’ll show how real estate professionals can become part of the solution for their clients and their communities.

Course highlights include:

- Issues that contribute to the affordable housing crisis
- Socio-economic impact of the affordable housing crisis
- Demographics and geographics of affordable housing
- Creative housing solutions
- Loan programs with minimal and no downpayment options, down payment assistance programs, and creative financing solutions
- How real estate licensees can be part of the affordable housing solution while building their business and improving their communities

$39

4 Total hours
4 Elective hours
0 Annual Commission Update hours

In Colorado, this course is also approved under Rule A-27(B)(3), which allows real estate licensees to use the course toward their pre-license requirements necessary to become an Employing Broker.

Emotional support animals, service animals, and reasonable accommodation. How does the concept of reasonable accommodation play out in property management? Must a property manager accept a tenant's emotional support animal, and under what conditions? What proof can a property manager or landlord require of a tenant who claims a need for an emotional support animal? What about homeowners associations—must accommodation be made in these communities? With some airlines accepting miniature horses on board as service animals, can Apartment 3B be far behind? How does the Fair Housing Act apply, and where does it all stop? This is a topic that sparks questions around what the laws are and how and when they apply in cases of individuals with assistance animals.

This four-hour course explores the issues and options for landlords and property managers surrounding assistance animals, helping real estate professionals recognize scenarios in which the fair housing and disabilities laws apply and helping to ensure that individuals with disabilities have equal access to housing.

Course highlights include:

- An overview of the evolution of fair housing law
- A cross-comparison between the Americans with Disabilities Act and the Fair Housing Act
- Definitions related to disability and the types of assistance animals
- A diagnosis of when the Americans with Disabilities Act applies, and when the Fair Housing Act does.
- A discussion as to how to work with clients with assistance animals
- An examination of how to handle reasonable requests for accommodation
- A look at pets in property and where they’re permitted by law
- A discussion on practical application of the laws in property management scenarios
- A sampling of case studies and legal trends as this field of the law continues to evolve
- Interactive activities and scenarios to seal in the new information and frame it in everyday context

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

In Colorado, this course is also approved under Rule A-27(B)(3), which allows real estate licensees to use the course toward their pre-license requirements necessary to become an Employing Broker.

Fair housing law presents an ever changing landscape as new forms of discrimination reach legislative awareness. Licensees have a responsibility to stay informed to ensure compliance with federal, state, and local fair housing laws.

On the heels of the 50-year anniversary of the Fair Housing Act, we review the evolution of fair housing law and look at new and proposed fair housing protections.

Course Highlights

- Up-to-the-minute case studies in fair housing violations
- An analysis of the benefits of fair housing compliance
- A review of regulatory changes relating to fair housing
- A primer on how to ensure fair housing compliance in advertising
- How sexual orientation and criminal record screening apply to fair housing
- Two proposed additions to the list of seven federally protected classes
- A deep look at the protected class most often named in fair housing complaints: disability, including how service animals, emotional support animals, hoarding, drug addiction, obesity, smoking, and alcoholism relate
- Videos commemorating the 50th anniversary of the Fair Housing Act
- A glimpse into the future of fair housing law

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

A solid ethical foundation is an essential part of any good business practice. That’s why the National Association of REALTORS® asks its members to follow its Code of Ethics and Standards of Practice. Updated regularly, this Code was first adopted in 1913 and consists of 17 Articles along with supporting Standards of Practice.

The Code of Ethics: Good For Your Clients and Your Business course reviews each Article, highlighting pertinent changes, and offers important takeaway points you can apply to your day-to-day business dealings to ensure you’re always ethical in your business practices.

Ethics principles are a standard component of continuing education. In addition, this course fulfills the ethics training mandated by the National Association of REALTORS® for its members.

Course highlights include:

- A review of recent revisions and additions to the Code of Ethics
- Tips for applying the Code’s principles and guidelines to your practice
- A discussion on the benefits of mediation
- Activities and examples to illustrate the practical application of the new information and frame it in everyday context

*This course meets the REALTORS® Code of Ethics Training Bi-Annual Requirement. You’ll need to confirm with your local REALTOR association if they will accept it.

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

Sexual harassment. The impact of the new tax laws. The affordable housing crisis. Discrimination claims over emotional support animals. You can't tune into the news without hearing about one or more of these hot topics, and each has implications for the practice of real estate.

This three-hour course covers how the Tax Reform Act affects home ownership deductions, how the emotional support and assistance animals cause issues of fair housing landlord-tenant law, how claims of sexual discrimination and harassment harm property owners, property managers, brokerages, and reputations, and how the affordable housing crisis impacts the socio-economic landscape of the U.S. More important, it offers best practices and solutions for licensees and their clients.

Course highlights include:

- How to avoid claims of sexual harassment and sexual discrimination
- Implications of tax changes introduced in 2018, particularly SALT taxes, mortgage interest deductions, and home equity financing
- A look at the affordable housing crisis in America, and solutions for housing and financing
- How to distinguish between service animals and emotional support animals and how the concept of “reasonable accommodation” applies to fair housing law

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

With more than 20 million veterans living in the United States today, real estate professionals can have a powerful and profound impact for those who served all while expanding their business in a patriotic way to an underserved market. Better serving our nation’s Veterans and military families purchase a home starts with one simple question.

Real estate professionals who ask “Did You Serve?” to every client can easily identify Veterans and service members. By doing so, they can open the doors of homeownership for Veterans and service members who may not have been able to purchase a home through other financing.

The Did You Serve? Identifying Homebuying Advantages for Veterans course is designed to empower real estate professionals to provide valuable support to veterans and military families by providing them with the knowledge and skills around understanding the VA home loan program and application process, and tools and strategies for finding and purchasing the perfect home for veterans.

Course highlights include:

- An overview of the military lifestyle, what it means to serve, and how best to communicate with those who served
- Tools and techniques for educating veterans on the benefits available to them
- Details around the VA home loan program benefits, qualifications, and process
- Strategies for identifying appropriate home options for Veterans and their families
- Overcoming of myths and misconceptions around VA lending
- Using the VA home loan program to overcome common loan challenges

Customers who register for the Did You Serve? Course may receive messaging from Did You Serve, LLC regarding a real estate certification opportunity developed alongside this course. To opt out of receiving these messages from Did You Serve, LLC or its parent company, Veterans United Home Loans, please contact info@didyouserve.org or marketing@theceshop.com.

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours
T
his 3-hour course will empower licensees to recognize and respond to ethical dilemmas, inspiring consumer confidence. For answers to ethical dilemmas, we’ll look to several articles of the NAR Code of Ethics and draw from real-life ethical scenarios. After completing this course, licensees will be better prepared to exemplify the professionalism and cooperation that’s the true foundation of the real estate industry.

Course highlights include:

- The importance of ethical behavior in NAR members and non-members alike
- Review and application of articles 1, 3, 9, 12, 15, and 16 of the NAR Code of Ethics and Standards of Practice
- Case studies of real-life ethical challenges
- Application of Article 17 of the NAR Code of Ethics to the complaints and hearing process
- Best practices for demonstrating ethical behavior every day

$59

6 Total hours
6 Elective hours
0 Annual Commission Update hours

The financing of a home is as integral to real estate transactions as finding the home itself, and it is beneficial for you to have a clear understanding of the entire financing process. This course will help you to gain a better understanding of the changes the mortgage market has experienced over the years.

Course highlights include:

- Details outlining the history and purpose of real estate financing
- Explanation of the roles and regulations of FNMA, GNMA, FHLMC, FHA, and VA
- Video outlining the rise and fall of the mortgage market and global economy
- Information about HAFA and Making Home Affordable
- Statistics from the Center for Responsible Lending and the Federal Reserve
- Affordability Worksheet, to assist clients in calculating their maximum affordable purchase price
- Homebuyer Do's and Don'ts flier with tips for your clients
- Instructions on calculating LTV, front-end and back-end ratios, and monthly mortgage payments
- Details and qualification requirements for several popular financing options

3 Total hours
3 Elective hours
0 Annual Commission Update hours

In Colorado, this course is also approved under Rule A-27(B)(3), which allows real estate licensees to use the course toward their pre-license requirements necessary to become an Employing Broker.

The trend to “go green” now extends beyond weekly recycling efforts and the latest Hybrid cars. In fact, the effects of this movement are becoming increasingly visible in the real estate market. This means that it is crucial for you, as an industry professional, to have a thorough understanding of green home qualifications, eco-friendly remodeling possibilities, and energy-efficient technologies.

This course provides you with the information you need to successfully guide your more eco-minded clients. Whether you’re helping a buyer find a newly constructed green home or advising a seller on green remodeling efforts to improve a listing, you’ll be able to provide your clients with support they need.

Course highlights include:

- An overview of green footprints, sustainability, and the environmental effects of energy-efficient homes
- Information on green renovation options, such as the use of renewable flooring, tubular skylights, xeriscaping, and more
- Videos and Internet resources that provide details on programs, such as Leadership in Energy and Environmental Design (LEED), the Partnership for Advancing Technology in Housing (PATH), and ENERGY STAR®
- Details about green property requirements, as outlined by the National Association of Home Builders (NAHB)
- Statistics on the cost-saving benefits of green remodeling efforts and energy-efficient technology and appliances
- Tips for inexpensive, yet effective green makeovers that make homes more appealing to eco-conscious buyers

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

In Colorado, this course is also approved under Rule A-27(B)(3), which allows real estate licensees to use the course toward their pre-license requirements necessary to become an Employing Broker.

Flood zones, property inspections, and consumer privacy represent three distinct yet urgent topics in real estate. Hot Topics in Real Estate takes a closer look at each of these with an emphasis on supporting clients and customers. From flood zone disclosure obligations and insurance requirements to inspection contingencies and third-party referrals to federal data security laws and breach notification policies … a lot can go wrong. The real estate professional’s job is to act within the scope of his or her responsibility to make sure everything goes right.

This three-hour course provides consumer protection by helping licensees understand how to lawfully and competently navigate the high-risk areas of flood zone transactions, home inspections and data security and consumer privacy.

Course highlights include:

- FEMA flood terminology and flood hazard mapping
- Flood insurance requirements and homeowner obligations
- The National Flood Insurance Program (NFIP) and its current status
- Environmental hazards associated with flooding
- Home inspection and testing contingencies
- The home inspection process, and who does what, when, and why
- Different inspection types, including septic system, sewer line, and well inspections
- Federal laws that address data security and consumer privacy
- Risks related to data breaches, fraud, and identity theft
- Interactive activities and scenarios to seal in the new information and frame it in everyday context

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

Real estate is no stranger to the white collar criminal, as fraud has become a major issue in the industry. Many lawbreakers use real estate as a vehicle to steal the life savings of unsuspecting homeowners and defraud lenders out of millions of dollars for their own gain. Federal, state, and local governments have taken steps to combat real estate fraud, but it remains a major problem—and one you need to have a solid understanding of to ensure you're able to shield your clients and yourself from being defrauded or unknowingly committing fraud.

Keeping It Honest: Understanding Real Estate and Mortgage Fraud has been updated to discuss the latest fraudulent schemes and explain recent government initiatives aimed at stopping fraud and protecting consumers.

Course highlights include:

- An overview of fraud and its impact on the real estate industry.
- An examination of the newest and most prevalent types of fraudulent schemes.
- A detailed description of red flag behaviors that suggest someone is engaging in fraud.
- Recommendations on how to report fraudulent or suspected fraudulent activities to the proper authorities.
- An analysis of key government initiatives aimed at stopping fraud and protecting consumers.

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

Marijuana: not a topic you might have ever thought you’d see in connection with your professional real estate career. No matter where you stand on the legalization issue, the issue has spread to day-to-day real estate activities, whether working with buyers, sellers, tenants, or landlords in the residential and/or commercial real estate market. It impacts purchasing, leasing, selling, and financing real estate.

This three-hour course reviews key legislation related to marijuana, where the legal controversies exist, case studies, and the potential implications for real estate—including financing issues for buyers who are employed in the marijuana industry, and credit and payroll concerns for owners of marijuana-based businesses.

Course highlights include:

- The conflict between federal and state marijuana laws
- Trends in marijuana law
- The environmental and legal impact of marijuana cultivation on a property
- Issues in property management, and seller and buyer representation, and financing
- Issues related to commercial properties, condominiums, and HOAs
- Activities and examples to enable real-world application of presented material

$29

3 Total hours
3 Elective hours
0 Annual Commission Update hours

Attacks on real estate professionals have made headlines at an alarmingly more frequent rate in recent years. While the newsprint is still wet (and the internet still on fire) with these shocking stories, everyone vows to do better, and the topic of safety is pushed to the front of training schedules—but then complacency soon sets in once again.

That’s something criminals count on.

This course reviews studies and statistics that are somewhat unique to the real estate profession, and the methods and practices that best promote personal safety.

Course highlights include:

- Key findings from crime statistics and studies that challenge preconceived notions
- Risk factors and vulnerabilities that are mostly unique to real estate professionals
- Review of select case studies to illustrate how criminals create opportunities for crime
- Honing your personal early warning system and trusting when something feels “off”
- Best practices and procedures to adopt, providing a consistent system used with everyone
- Activities and examples to seal in the new information and frame it in everyday context