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Creative Pathways to Homeownership: The Essentials

$40
This product includes:
LICENSE RENEWAL PERIOD: 2 YEARS Elective: 3 Core Topics: 0 Total Hours: 3
Description
State Requirements

Today’s buyers and sellers are working in a market that doesn’t look like it did a few years ago. Prices are up, inventory is tight, and the “usual” path to homeownership doesn’t work for everyone anymore. That’s why options like shared equity programs, down payment assistance, co-buying, owner financing, and alternative loan programs are popping up in real transactions—and the agents who understand them are the ones keeping deals alive.

In this three-hour elective course, you’ll get a clear, practical breakdown of what these pathways are, when they tend to show up, and how to talk about them in a way that helps clients without putting you in the role of a lender or attorney. You’ll also learn smart habits for working with the right pros and guiding creative transactions with confidence.

Course highlights include:

  • Strategies for overcoming affordability and limited inventory challenges
  • Creative financing options, including shared equity and co-buying models
  • Guidance for working with multi-generational and non-traditional buyers
  • Step-by-step overview of down payment assistance programs and grants
  • Practical application of forgivable loans and alternative funding sources
  • Clear boundaries for agent responsibilities and referral best practices
  • Tools for structuring and explaining co-ownership agreements
  • Communication approaches for aligning multiple buyers in one transaction
  • Real-world scenarios illustrating creative deal structuring
  • Building and using a trusted network of lenders, attorneys, and housing resources
Package Content:

State Requirements For New Jersey

New Jersey State Requirement Details for Real Estate Broker, Broker-salesperson, and Salesperson Continuing Education

Renewal Date: June 30th of odd-numbered years. Continuing Education must be completed by April 30th of odd-numbered years.

Hours Required: 12 hours

  • 6 hours in core topics
    • 1 hour in Fair Housing & New Jersey Law Against Discrimination
    • 2 hours in Ethics
    • 1 hour in Agency
    • the remaining hours in any core topic
      • Agency
      • Disclosure
      • Legal issues
      • Ethics
      • Fair Housing
      • Rules and regulations
      • Real estate licensee safety
      • Financial literacy and planning
  • 6 hours of elective courses - A mix, or all of the same, of any of the following four CE types: ELECTIVES or ETHICS or CORE or FAIR HOUSING

Note: Salespersons initially licensed in the FIRST year of the NJ real estate license term ARE REQUIRED to complete CE requirements in order to renew their license for the next term. Salespersons initially licensed in the SECOND year of the NJ real estate license term shall not be required to fulfill any continuing education to renew their license upon the conclusion of that license term.

Hours Required After 7/1/27: 18 hours

Brokers/broker-salespersons- 14 of the 18 required CE hours that a broker or broker-salesperson is required to complete shall be comprised of the following core topics:

  • 2 hours in Fair Housing
  • 3 hours in Ethics
  • 2 hours in Current Issues and Legal Updates
  • 2 hours in Agency
  • 1 hour in Real Estate Licensee Safety
  • 2 hours in Fiduciary Responsibility
  • 2 hours in Broker Supervision
  • And up to 2 hours in Timely Topics if prescribed by the commission

At least 2 hours of CE must be completed in an in-person classroom setting or through a live webinar, excluding Real Estate Licensee Safety

Salesperson - At least 10 of the 18 hours of CE required for salesperson is required to be comprised of the following core topics:

  • 2 hours in Fair Housing
  • 3 hours in Ethics
  • 2 hours in Current Issues and Legal Updates
  • 2 hours in Agency
  • 1 hour in Real Estate Licensee Safety
  • And up to 2 hours in Timely Topics if prescribed by the commission

At least 2 hours of CE must be completed in an in-person classroom setting or through a live webinar, excluding Real Estate Licensee Safety

The CE Shop’s Offering: 12 hours

  • 6 hours in core topics
    • 1 hour in Fair Housing & New Jersey Law Against Discrimination
      • Fair Housing in New Jersey
    • 2 hours in Ethics
      • Ethics at Work
      • Using the Code to Solve Ethical Dilemmas
      • Wholesaling in Today's Market
    • 1 hour in Agency
      • NJ Agency: Licensee Relationships and Duties
      • New Rules, New Roles: NJ Licensee Business Relationships
      • AAA: All About Agency
    • the remaining hours in any core topic
      • Assistance Animals and Fair Housing
      • Diversity: Your Kaleidoscope of Clients
      • Keeping it Honest: Understanding Real Estate & Mortgage Fraud
      • Lead Awareness and Compliance
      • Marketing, Advertising, and Social Media Compliance
      • Personal Safety
      • Section 1031 Tax-Deferred Exchanges
      • Sex and Real Estate: Sexual Harassment, Sexual Discrimination and Fair Housing
  • 6 hours of elective courses - A mix, or all of the same, of any of the following four CE types: ELECTIVES or ETHICS or CORE or FAIR HOUSING

Reporting: The state requires course completions to be reported to PSI. We will report your course to PSI upon completion.

Expiration Date of Course: Course expiration dates vary by course. Each individual course will have an expiration date listed in your account. See Terms & Conditions for more details.

Certificates: Immediately upon course completions, The CE Shop will provide students with an electronic copy of the course certificate of completion. Certificates will remain in your account for a minimum of five years, should you need additional copies at a later time. Please refer to your application to determine if you need to submit your certificate(s) of completion. Course completion dates are recorded using Central Standard Time. Please note that the date on your certificate of completion will reflect this.

License Renewal Process: The process to renew in this state can be found here. 

Still have questions? Visit our Frequently Asked Questions or Contact Us.

New Jersey Real Estate Commission

Street Address: 20 West State Street, Trenton, New Jersey 08608

Mailing Address: PO Box 328, Trenton, New Jersey 08625-0328

Telephone: (609) 292-7272

Email: realestate@dobi.nj.gov

New Jersey Real Estate Commission

NJREC Continuing Education

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