A Unique Property Perspective
Financing Properties that Stray from Standard
Course Description
This course is designed to help REALTORS® understand how non-standard property characteristics can impact mortgage financing and transaction outcomes.
Through professional insights and real-world scenarios, it provides a practical understanding of how lenders and default insurers assess a property’s value, marketability, and suitability using tools such as appraisals, internal valuation models, and policy guidelines. Rather than focusing on memorizing property types, the course breaks down unique characteristics into broader lenses of lender risk: land and use, access and infrastructure, construction and structural, legal and title, and environmental. This approach offers a more structured and actionable way to evaluate properties in real time.
The course manual also serves as an ongoing reference guide, equipping you with a practical framework to identify potential red flags early, set realistic expectations with clients, and collaborate more effectively with mortgage professionals throughout the transaction.
Learning Objectives
By the end of this workshop, participants will be able to do the following.
- Identify how property characteristics influence lender and insurer review.
- Evaluate properties using a structured, lender-focused risk framework.
- Recognize when early collaboration with a mortgage professional is needed.
- Understand how appraisals, documentation, and property features affect financing.
- Collaborate more effectively with mortgage professionals on complex properties.
- Set realistic expectations with clients when navigating non-standard real estate.
