For real estate agents · Zoom · No cost

Lending Foundations

A four-class Zoom series for real estate agents: the lender side of every deal, in 30 minutes a week. Taught by Kristen Hordyk, mortgage broker (NMLS #2564353) and 10+ year real estate investor. Every agent is welcome, and it's especially valuable if you're newer to the business.

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4 classesOne topic each
30 minutesWednesdays, 10:00 to 10:30 am Pacific
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Every monthStart anytime

The four classes

Class 1 of 4 · 1st Wednesday

Behind the Pre-Approval

What a real pre-approval actually checks, how to read a letter before you write the offer, and the red flags that blow up deals after acceptance.

Pre-qualification vs. pre-approval vs. underwritten approval
Credit, income, assets and debt-to-income in plain English
Questions to ask the buyer's lender before you write
What changes after acceptance can sink a file

1st Wednesday of every month, 10:00 am PT

Class 2 of 4 · 2nd Wednesday

Loan Programs: Building the Loan Around Your Buyer

FHA, VA, USDA, conventional, jumbo, bank statement and DSCR: who each one fits, and how the program your buyer uses changes the offer you write.

Minimum down payment and credit by program
Self-employed and investor buyers (bank statement and DSCR)
Condos, manufactured homes and property-type limits
Why one lender's "no" is often another lender's "yes"

2nd Wednesday of every month, 10:00 am PT

Class 3 of 4 · 3rd Wednesday

Appraisals From the Lender's Side

What appraisers and underwriters flag by loan type, how to prep a listing or showing so the appraisal doesn't surprise you, and what to do when value comes in low.

FHA, VA and conventional property condition differences
Manufactured homes: foundation certifications and attachments
Low appraisals: reconsideration of value, gaps and renegotiation
What you can and can't say to an appraiser

3rd Wednesday of every month, 10:00 am PT

Class 4 of 4 · 4th Wednesday

Offers That Close

The lender math behind every lever in your offer, and how your lender helps you build your business.

Seller credits, rate buydowns and appraisal gap coverage, by the numbers
Earnest money, contingencies and close dates from the lender's side
Making a financed offer compete with cash
Using your lender to win listings and buyers

4th Wednesday of every month, 10:00 am PT

Upcoming dates

Date	Class	Time
Wed, Oct 28	Class 4: Offers That Close	10:00 to 10:30 am PT
Wed, Nov 4	Class 1: Behind the Pre-Approval	10:00 to 10:30 am PT
Wed, Nov 11	Class 2: Loan Programs: Building the Loan Around Your Buyer	10:00 to 10:30 am PT
Wed, Nov 18	Class 3: Appraisals From the Lender's Side	10:00 to 10:30 am PT
Wed, Nov 25	Class 4: Offers That Close	10:00 to 10:30 am PT
Wed, Dec 2	Class 1: Behind the Pre-Approval	10:00 to 10:30 am PT
Wed, Dec 9	Class 2: Loan Programs: Building the Loan Around Your Buyer	10:00 to 10:30 am PT
Wed, Dec 16	Class 3: Appraisals From the Lender's Side	10:00 to 10:30 am PT

Class 1 is the first Wednesday of the month, class 2 the second, class 3 the third and class 4 the fourth. When a month has a fifth Wednesday, there's no class that week.

Common questions

Who is Lending Foundations for?

Every real estate agent is welcome. It's especially valuable for newer agents who want to understand pre-approvals, loan programs, appraisals and how financing shapes an offer.

When are the classes?

Each class runs once a month on Zoom, Wednesdays from 10:00 to 10:30 am Pacific: class 1 on the first Wednesday, class 2 on the second, class 3 on the third and class 4 on the fourth. The series repeats every month, so you can start anytime.

Does it cost anything?

No. There's no cost to attend.

Do the classes count for continuing education credit?

No. Lending Foundations isn't approved for Washington real estate clock hours.

Do I have to send referrals to attend?

No. The classes are open to every agent, with no expectation of referrals or business in return.

Lending Foundations is educational and open to all real estate agents at no cost. Attendance isn't conditioned on referrals or any business relationship, and nothing of value is offered in exchange for referrals. This is not a commitment to lend. Not approved for continuing education credit.