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Real Estate and Mortgage Economics and Investments


This course provides a multi-faceted look at the major factors that should influence a client’s real estate-related decisions, ranging from an analysis of the real estate market as a whole to the current state of an individual’s finances. Candidates will review the basic elements required to assess market conditions and anticipate their concrete impacts on clients, and will also consider how to assist borrowers construct effective budgets and engage in prudent financial planning. Finally, candidates will examine the diverse range of investment products that can be selected and tailored to best suit individual lenders’ unique needs and capabilities.

Course Outline

Section 1: Real Estate and Mortgage Market Economics
  • The economic importance of the real estate sector
  • Factors that affect the demand and supply of housing
  • Characteristics of real estate markets
  • Considerations in establishing interest rates
  • Characteristics of mortgage loans as investments
  • Overview of mortgage market trends
Section 2: Financial Planning and Budgeting
  • Household financial planning and budgeting
  • Mortgage borrower qualification
  • Types of mortgages
  • Adjustments to financial terms
  • Insurance considerations
  • Prepayment clauses and costs
  • A detailed look at credit score
Section 3: Mortgage and Real Estate Investment Products
  • Bonds and securitization of mortgages
  • Mortgage investment corporations (MICs)
  • Syndicated mortgages
  • Real estate investment trusts (REITs)

Course Glossary

View the glossary of important terms for this course.