Provider Name: Northshore Area Board Of Realtors
Address: 5001 Hwy 190 Unit A4 Covington, LA 70433
Phone Number: (985) 674-4233

Course Summary

The ABC's of Financing, "Appraisal, Borrower, Credit"

Appraisal - To educate the licensed agents as to the criteria required by Underwriters and Investors regarding the condition of the property and determination of appraised value is reasonable and acceptable. Security of the mortgage is number one in the approval process.Borrower - To educate licensed agents as to what documentation, job history, income and assets which determine if borrower has sufficient income and assets to meet the guidelines to meet his financial obligations in addition to maintaining the security of the property.Credit - To educate the licensed agent on the Credit Evaluation Process, including, but not limited to, Credit Scores, How to improve credit, inquires, collection accounts, bankruptcies and foreclosures; the effects on late payments and how they affect your credit score.
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Format: Classroom
Hours: 2.00
Price: Varies

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Course Schedule

There are no classroom dates currently scheduled.

Course Schedule

There are no classroom dates currently scheduled.

Agency Approval

Agency Approval Course Number Expiration
Louisiana Real Estate Commission 0013 02/04/2022


Cheryl Spies

My love of a challenge is only surpassed by my love of helping others obtain home financing and educating realtors with the knowledge to help their clients in the home purchase process. I have over 35 years of mortgage lending experience and possess a wealth of knowledge of the business from years of originating mortgages and past experience in underwriting FHA/VA and Conventional loans. I find the process of working with real estate agents and helping families purchase homes very gratifying. I can honestly say I love what I do.


35+ Years in Mortgage Banking

Branch Manager, Vice President, Loan Production Manager

Loan Originator, Underwriter, Loan Processor/Closer



By Kendall Cliburn on 10/22/2019


By Susan Daigle on 03/26/2019

Trainer was knowledgeable, interesting, kept the attention of participants, moved along quickly. Agenda was spot on.


By Deborah Granier on 03/25/2019

Very good informative CE. Professional instructor Cheryl Spies.


By Christine Mottinger on 03/25/2019

Very good instructor, very informative.


By Lila Martin on 03/25/2019

Very important information ! Thank you!