Christian George is a Businessman, Entrepreneur, and Real Estate Investor. Having been a licensed real estate agent for over 22 years and a licensed escrow officer for over 14 years, Christian is intimately familiar with every part of a real estate transaction from front to back. Christian is currently the Content Director and an Instructor for Renatus as he continues to grow his personal portfolio. He loves sharing with students how to research a property, build a plan and strategy, and then close the deal.
" Gain the clarity and discernment you need to take “decisive, massive, and confident action!” This is the foundation for Understanding Your Investor ID. Knowing who YOU are as an investor determines what investing strategies you should focus on as you start your investing career. Learn how creating a specific financial target, knowing your risk tolerance, understanding investment asset classes, your time personal time horizon and other variables directly impact which type of investment strategies will most likely lead to success. Maximize your existing strengths and safeguard against the human foibles that all investors possess. Through J.’s class you can determine where you fit in the Real Estate food chain, and learn how to choose the best strategy based on your interests and passions. Maximize your time and reach financial freedom sooner by examining past experiences and personal preferences as you transform your investing dreams into an actionable game plan!
Find out how much you already know and what you still have to learn.
Christian George shares the story of his background in mortgages and real estate contracts, beginning with a temporary job as a title officer and continuing through his current employment as an instructor with Renatus.
What do you expect to learn from this class? Our instructor outlines his plan for teaching you the most important information about mortgages.
Christian discusses the differences between deeds of trust and mortgages, and what they have to do with the note.
Learn the many acronyms that are used in real estate documents and transactions as the instructor reviews important historical changes to the real estate transaction process.
LE, CD, and TIP are three of the acronyms explained in this segment.
Like any business, banks intend to make money. Find out what else they aim to accomplish and how it affects you.
Christian goes through the five basic tenets that will help you determine which product is the best fit for your needs.
Understand what it means to lock your rate, what effect it may have and what steps you need to take to get it done.
Every loan has costs. Know when it's worth it to refinance your property and when it would be best to wait it out.
Are reverse mortgages a bad thing? Christian walks through the costs and benefits of this option.
Lower interest rates, protection for the bank and higher seller contribution are three of the aspects our instructor discusses in this segment.
Balloon Mortgages and non-conventional loans are explored, along with several other loan product options.
Loans can be bought and sold on a secondary market, creating a situation that affects many mortgage decisions.
Christian defines these loan products, and how and when they should be used.
The instructor provides a list of items to watch out for when making your real estate transaction decisions.
A review of the functions of past documents, and how they have transitioned into the Loan Estimate and the Closing Disclosure.
A continuation of the Loan Estimate document focuses on the various components of estimated closing costs.
Christian finishes his explanation of the Loan Estimate and addresses class member questions about the document.
More questions from the live education class are answered, involving relations with banks and the benefits of long-term loyalty.
What is the difference between a banker and a mortgage broker? Find the best fit for your lending needs.
Understand which fees are required, which ones are negotiable and which fees you should definitely challenge.
Timelines can be incredibly impactful in closing a mortgage. Know what delays are necessary and expected, and how changes may increase delays.
Christian begins exploring the mountain of required documents, with explanations of each letter and form.
Escrow agreements and amortization tables are discussed, along with homeowner's insurance, note transfer options and more.
What are the differences between the Closing Estimate and the Closing Disclosure? Know what information should be included in your CD.
The rest of the information in the Closing Disclosure is dissected and discussed, and class member questions are addressed.
You can request an ALTA Settlement Statement, which simplifies much of the information from the Closing Disclosure.
More details are covered in Christian's analysis of the Closing Disclosure document.
This profile of you as a potential borrower tells a complete and accurate story of your ability to repay a loan, including project information and your bio.
Consistency, capacity and credit record are just three of the vital pieces of information that will improve your transaction results.
What happens after you submit your application? The lender begins to compile data all about you and the property you intend to purchase.
A denial doesn't mean you can't make things work. Christian shares a list of suggestions that you can employ to increase your chances of obtaining your funding.
The Consumer Financial Protection Bureau is an organization that has made powerful changes to protect consumers. Our instructor also discusses closed-end mortgages and non-RESPA transactions.
There are a few steps you can take to simplify and ensure smooth mortgage transactions, including templates and loan discount points.
Timing is powerful, and bi-weekly mortgage payments, though not as impactful as velocity banking, are a viable option for decreasing the amount of time it takes to repay a loan.
Special mortgage products for teachers, officers, and others can assist home buyers. Christian finishes up with a challenge to be prepared, be educated and take action today.
How much information have you retained?
How much information have you retained?