Certification Class - HELP is going to have another Professional Certification on November 6 and 7 at IVAR (Inland Valley Association of Realtors)
What is a HELP Certified Specialist?
There was a time when a professionals word and expertise could be counted on and their commitment to placing your needs above their own was a given. Not only was it expected and accepted as the norm, for a professional to do otherwise caused them to be ostracized to such a degree that they had to literally leave the business.
Today, sadly, far too often the public encounters "professionals" who may have been able to pass the initial test in order to be affiliated with their chosen profession, but they fail to adhere to the sprit in which their professional standards originally called out for.
When Sociologists study what led to the worst housing crisis since the Great Depression, they point out two main culprits: ignorance and greed. Ignorance on the consumers part and greed on the professionals side. USA HELP's goal is to successfully address both of these issues now and into the future.
USA HELP, Inc. is a non-profit corporation dedicated to being a resource for consumers and professionals alike with respect to housing and lending. We have set up training courses to assist homeowners and home buyers understand the process a little better and ensure that the consumer will be less likely to be taken advantage of. We believe in consumer protection through education.
So what is a HELP Certified Specialist? They are the new Gold Standard. A HCS is one who has agreed to be listed on our site, only after attending, at their own expense, a two day intensive course consisting of the following;
- Annual (As opposed to every four years) Ethics & Agency training
- Review of Fiduciary Responsibility and updates on the Business & Professions Code
- Critical cross training of Realtors & lenders to benefit the public
- Understanding FHA's mission and major benefits to the public
- Understanding VA's mission and major benefits to the public
- Short sale training and understanding the REO market to benefit the public
- Understanding loan modifications & what is legal & what is not & who qualifies
- Understanding ALL of the first time buyer programs and unique lending opportunities that exist today and where to find them.
The professionals must pass a written test with a passing grade of 80% or higher. In addition, they will have signed HELP's Code of Conduct, which will afford HELP the ability to remove from our list, immediately, those who fail to uphold the standards we have set forth in order to best serve the publics interest.
It is an honor to be a HELP Certified Specialist and the potential referrals from the public is a reward that places you in control for the first time. No longer will you the public have to file numerous complaints against those who refuse to honor their commitments and act in a professional manner. A team of their peers will review consumer complaints and act in the best interest of the public. Penalties may range from being removed from our list of Certified Professionals to HELP actually filing a complaint on the consumer's behalf.
HELP's goal is to be a resource for the public and reward/highlight those are willing to set themselves apart. HELP will educate you the public, for profit professionals, public agencies for non-profit professionals so that those who would deceive or otherwise act in a manner which does not place the clients interest above their own, will have a far more difficult time. Knowing ones rights and the proper qualifying questions to ask will ensure those who act responsibly and honestly will no longer be at a competitive disadvantage. Consumer protection through education, a goal we can and must achieve.
To Register: http://www.freehomeownershiphelp.org/why-become-cert.php
By Deborah Nance
Your Local Southern California Reverse Mortgage Professional
Click the Learn More Button below to email me a question.
iReverse Home Loans, LLC, NMLS#810502 originates reverse mortgages in Alabama, Alaska, Arizona (MB-0919584), California, Colorado, Connecticut, Florida, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New Mexico, Ohio, Oregon (ML-5378), Pennsylvania, South Dakota, Tennessee, Texas, Utah, Vermont (1164-MB), Virginia, Washington and Wisconsin.
Important Information: Reverse Mortgages are neither "endorsed" nor "approved" by the Federal Government. The FHA (Federal Housing Administration) provides certain insurance benefits for lenders and borrowers in connection with the lender’s HECM loans; the FHA does not make or originate loans. The owner(s) retain title to the property that is the subject of the reverse mortgage until the person sells or transfers the property and is therefore responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts or failure to maintain the condition of your property may cause the reverse mortgage loan to become due immediately. A reverse mortgage is a complex loan secured by your home. Whether such mortgage makes sense for you depends on your financial situation and needs. For these reasons, we strongly recommend that you consult with a qualified independent housing counselor, family members and other trusted advisers before making this decision. This website is not from HUD or FHA and was not approved by HUD or any government agency.