CENTRAL TEXAS COLLEGE SYLLABUS FOR RELE 1406 REAL ESTATE PRINCIPLES. Semester Hours Credit: 4 INSTRUCTOR: OFFICE HOURS:

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1 I. COURSE DESCRIPTION CENTRAL TEXAS COLLEGE SYLLABUS FOR RELE 1406 REAL ESTATE PRINCIPLES Semester Hours Credit: 4 INSTRUCTOR: OFFICE HOURS: A. An overview of licensing as a real estate broker and salesperson, ethics of practice, titles to and conveyance of real estate, legal descriptions, law of agency, deeds, encumbrances and liens, distinctions between personal and real property, contracts, appraisal, finance and regulations, closing procedures, and real estate mathematics. Also includes federal, state, and local laws relating to housing discrimination, housing credit discrimination, and community reinvestment. This course meets the Texas Real Estate Licensing Act (TRELA) requirements for a core course on Real Estate Principles. B. RELE 1406 is a required course in the Real Estate certificate program and may be taken as an elective in the business Management and Marketing and Sales Management degree and certificate programs. The course satisfies the principles requirement as specified in section 7 of the Texas Real Estate License Act. C. The course is occupationally related and serves as preparation for a career as a licensed real estate sales professional as well as providing valuable information to the student as a buyer or seller of real property. D. Prerequisites: None E. Alphanumeric coding used throughout this syllabus denotes integration of the Secretary's Commission on Achieving Necessary Skills (SCANS) occupational competencies (CA, B, CI, 2, etc.) and foundation skills (FA, B, CI, 2, etc.) for this course. The instructor will ensure the designated SCANS competencies and skills are addressed in the course. A detailed description of each competency/skill is contained in "A SCANS Report for America 2000," Executive Summary, furnished separately. II. LEARNING OUTCOMES Upon successful completion of this course, RELE 1406, the student will be able to: A. Define the principles of real estate and how they apply in the real estate industry. B. Describe titles to and conveyance of real estate. August

2 C. Describe legal descriptions, deeds, encumbrances and liens. D. Paraphrase ethical behavior requirements as outlines in Texas Real Estate License Act. E. Distinguish differences between personal and real property. F. Outline the federal, state, and municipal laws related to discrimination in the real estate. G. Outline closing procedures. H. List examples of laws relating to fair housing. I. Describe appraisal, finance and regulations. J. Solve real estate mathematical problems. K. The following SCANS competencies and foundation skills will be covered in this course: 1. Foundation Skills a. Basic Skills (1) Reading (FA1) (2) Writing (FA2) (3) Arithmetic/Mathematics (FA3) (4) Listening (FA4) (5) Speaking (FA5) b. Thinking Skills (1) Decision Making (FB2) (2) Problem Solving (FB3) (3) Reasoning (FB6) c. Personal Qualities (1) Responsibility (FC1) (2) Self-esteem (FC2) (3) Sociability (FC3) (4) Self-management (FC4) (5) Integrity/honesty (FC5) 2. Competencies a. Resources (1) Human Resources (CA4) b. Interpersonal Skills (1) Serves Customer (CB3) (2) Cultural diversity (CB6) c. Information (1) Acquires/uses (CO) (2) Organizes/maintains (CC2) (3) Interprets/communicates (CC3) (4) Uses Computer (CC4) RELE1406 2

3 III. IV. INSTRUCTIONAL MATERIALS The instructional materials identified for this course are viewable through COURSE REQUIREMENTS This section contains a detailed list of every requirement that the student will be expected to accomplish for satisfactory completion of the course. A. Reading Assignments: Read text assignments prior to class and be prepared to discuss the text material, answering instructor questions orally with wellorganized thoughts and ideas. (FA1, FA5, CA4, CC1, 2 & 3) B. Current Event Article Report: (FA2) In addition to text readings, each student will prepare one Real Estate-Related current event article report. Select an article from a current (within the past 30 days) publication (newspaper, news magazine, Real Estate Internet Web site, etc). (CC1) Summarize the article by stating the main points in your own words. State your conclusions (opinion) about the article. (FB6) The REPORTS MUST BE TYPED OR PUBLISHED USING A WORD PROCESSOR. A copy of the article must be furnished with the report. REPORTS MUST BE REAL ESTATE-RELATED. If it s half a page single spaced, if full page double spaced. What it s about and what you learned. Deadline for turning in the article report is in the course outline. There is a five point penalty for a late report. (FC1) The article report will be presented orally (1-3 minutes) to the class. (FA5) C. Class Attendance: (Refer to CTC Catalog, Page 44 for detailed policy). (FC1 & 4) You are expected to attend each class period, be on time and stay the full class period or be counted absent. You are responsible for all course material missed due to absence. D. The instructor does not provide class notes for classes missed. 3 missed classes - No Penalty 4 missed classes - 5 pts. 5 missed classes - 10 pts. 6 missed classes automatic drop; grade W (tardy/leave early = ½ miss class) RELE1406 3

4 V. EXAMINATIONS A. Scheduled Examinations: (CC1, CC2, FC2) There will be four major scheduled examinations as follows: 50 Questions multiple choice: 1. First Exam 2. Second Exam 3. Third Exam 4. Final Exam The exam schedule and material covered on each exam will be provided by the instructor on the first day of class. The type of exam questions (essay, multiple choice, fill-in) will be specified by the instructor during pre-exam reviews. B. Spot Quizzes: The instructor may administer spot quizzes, each worth 5 points, to encourage student preparation for class periods. There will be no makeup for spot quizzes. (FC4) VI. SEMESTER GRADE COMPUTATIONS A. The final grade for the semester will be computed as follows: 1. Major examinations (scheduled) 90% 2. Classroom performance 5% a. Attendance b. Spot quizzes c. Preparation 3. Current Event Report 5% (incomplete if not turned in) Total 100% B. Letter grades will be assigned as follows: Numerical Value Grades Quality Points A = Superior B = Above Average C = Average D = Passing, but Unsatisfactory 1 Below 60 F = Failure 0 RELE1406 4

5 I = Incomplete 0 W= Withdrawal 0 VII. NOTES AND ADDITIONAL INSTRUCTIONS FROM INSTRUCTOR A. Withdrawal from a Course: It is the student's responsibility to officially withdraw from a course if circumstances prevent attendance. Any student who desires to, or must, officially withdraw from a course after the first scheduled class meeting must file a Central Texas College Application for Withdrawal (CTC Form 59). The withdrawal form must be signed by the student. CTC Form 59 will be accepted at any time prior to Friday of the 12th week of classes during the 16-week fall and spring semesters. The deadline for sessions of other lengths is as follows. 10-week session 8-week session 5-week session Friday of the 8th week Friday of the 6th week Friday of the 4th week The equivalent date (75% of the semester) will be used for sessions of other lengths. The specific last day to withdraw is published each semester in the Schedule Bulletin. Students who officially withdraw will be awarded the grade of "W" provided that the student's attendance and academic performance are satisfactory at the time of official withdrawal. Students must file a withdrawal application with the College before they may be considered for withdrawal. A student may not withdraw from a class for which the instructor has previously issued the student a grade of "F" or "FN" for nonattendance. B. Administrative Withdrawal: 1. An administrative withdrawal may be administered by the instructor when the student has been absent an excessive number of times, as defined in the current Central Texas College Catalogue and/or other published amendatory documentation. In such a case, the student may be dropped from the course with the grade of "F". RELE1406 5

6 2. The student is responsible for maintaining his/her own attendance record so that he/she may be aware of a pending administrative withdrawal by instructor. C. Incomplete Grade: The College catalog states, "An incomplete grade may be given in those cases where the student has completed the majority of the course work but, because of personal illness, death in the immediate family, or military orders, the student is unable to complete the requirements for a course..." Prior approval from the instructor is required before the grade of "I" for Incomplete is recorded. A student who merely fails to show for the final examination will receive a zero for the final and an "F" for the course. D. Cellular Phones and Portable Devices: Cellular phones and portable devices will be turned off while the student is in the classroom or laboratory. E. Americans with Disabilities Act (ADA): Disability Support Services provide services to students who have appropriate documentation of a disability. Students requiring accommodations for class are responsible for contacting the Office of Disability Support Services (DSS) located on the central campus. This service is available to all students, regardless of location. Explore the website at for further information. Reasonable accommodations will be given in accordance with the federal and state laws through the DSS office. F. Instructor Discretion: The instructor reserves the right of final decision in course requirements. G. Civility: (FC3) Individuals are expected to be cognizant of what a constructive educational experience is and respectful of those participating in a learning environment. Failure to do so can result in disciplinary action up to and including expulsion. H. Honesty and Integrity: (FC5) All students are required and expected to maintain the highest standards of scholastic honesty in the preparation of all course work and during examinations. The following will be considered examples of scholastic dishonesty: 1. Plagiarism: The taking of passages from writing of others without giving proper credit to the sources. RELE1406 6

7 2. Collusion: Using another's work as one's own; or working together with another person in the preparation of work, unless joint preparation is specifically approved in advance by the instructor. 3. Cheating: Giving or receiving information on examinations. Students guilty of scholastic dishonesty will be administratively dropped from the course with a grade of "F" and will be subject to disciplinary action. VIII. FEEDBACK A. FEEDBACK: Feedback is the return of data/information about the result of a process and is an important part of the learning process. Feedback in the course will be provided via test scores, graded assignments, and/or instructor evaluation of the students 'progress. You are encouraged to take advantage of the many avenues for feedback available to you. For example, office hours are established primarily to provide the student access to the instructor to discuss academic guidance. I am also generally available before and after class to meet with you. is another easily available medium to obtain feedback. Additional feedback may be provided at the discretion of the instructor or on your request. B. RESPONSIBILITY FOR LEARNING: 1. INSTRUCTOR: As your instructor I will organize and present the course material in a manner designed to facilitate the learning process. I will evaluate your progress periodically via writing assignments, oral presentations, and exams and provide feedback on your performance via exam scores, exam critiques, and critique of your writing assignments, etc. I am also available before and after each class period and during office hours to discuss your performance and answer questions. 2. STUDENT: As the student you are ultimately responsible for your success in this course. It is your responsibility to attend class regularly, prepare for class by reading assigned text material, participate in class discussions, ask questions when required to improve your understanding, prepare for and complete exams, and complete all other assignments. IX. COURSE OUTLINE A. Unit One: Introduction to the Real Estate Industry 1. Learning Outcomes: Upon successful completion of this unit, the student will be able to: RELE1406 7

8 a. Explain the various occupations in real estate. (CB3) b. Discuss the constitutional impact on ownership of real property. c. Describe land and improvements to land to include: water rights, realty, real property, and personal property. d. Discuss real estate and the economy including an explanation of the economic base of the country, short-term demand for housing, long-term demand for housing, real estate cycles, and inflation. e. Understand the concepts of home ownership and tax benefits for homeowners. f. Discuss property insurance including: property damage, homeowner package policies, flood insurance, and policy cancellation. g. Describe broker-salesperson relationships, licensing procedures, license suspension, and revocation, recovery funds and professional real estate associations. (FC5) h. Discuss the owner-broker relationship including: law of agency, listing agreements, broker-agent, compensation, procuring cause, property disclosure, and deposit money disposition. (CB3, FC5) i. Explain the types of discrimination prohibited by the Civil Flights Acts of 1866 and (CB6, FC5) j. Understand the meaning of steering, blockbusting and redlining. k. Discuss the basis of discrimination in credit lending according to the Equal Credit Opportunity Act. l. Explain the requirements of the federal government for lenders under the Community Reinvestment Act. 2. Learning Activities: a. Classroom lecture/discussion (FA4, FC3) b. Student homework study (FC1, CC1) c. Reading assignments (FA1, CA1) 3. Lesson Outline: a. Introduction the Modern Real Estate Practice (1) Specializations (2) Professional Organizations b. Real Property (1) Land, Real Estate, Real Property (2) Personal Property (3) Fixtures, Trade Fixtures c. The Real Estate Market (1) Real Estate Economics (2) Cycles d. Concepts of Home Ownership RELE1406 8

9 (1) Housing Affordability (2) Tax Benefits for Homeowners (3) Homeowner's Insurance e. Real Estate Brokerage and Law of Agency (1) Agency Positions and Disclosures (2) Brokerage Business (3) Deceptive Trade Practices Act f. Fair Housing Laws and Ethical Practices (1) Equal Opportunity in Housing (2) Federal Fair Lending Laws (3) Professional Ethics g. Texas Real Estate License Act B. Unit Two: Ownership of Real Property (Chapters 8-11) 1. Learning Outcomes: Upon successful completion of this unit, the student will be able to: a. Explain government rights to real property including: taxation, police powers, eminent domain, and escheat. b. Discuss types of estates in real property to include: fee simple and life estates. c. Understand the Texas homestead law. d. Define encumbrances to include: liens, restrictions, easements, licenses, and encroachments. e. Understand the Texas law as it relates to water rights and water usage. f. Explain sole ownership, tenants in common, joint tenants, tenancy by the entirety, community property, partnerships, syndicates, REITS, joint ventures and land trusts. g. Discuss how land is identified in Texas using metes and bounds and subdivision plat descriptions. h. Understand the rectangular survey system method of describing land. i. Discuss various types of liens that may be recorded against a property in Texas including Uniform Commercial Code liens. Discuss the method of property taxation used in Texas. 2. Learning Activities: a. Classroom lecture/discussion (FA4, FC3) b. Student homework study (FC1, CC1) c. Reading assignments (FA1, CA1) 3. Lesson Outline: a. Interests in Real Estate (1) Government Powers RELE1406 9

10 (2) Estates in Land (3) Encumbrances (4) Water Rights b. How Ownership is Held (1) Forms of Ownership (2) Ownership in Severality (3) Co-ownership (4) Trusts, Business Organizations (5) Cooperative and Condominium Ownership c. Legal Description (1) Methods of Describing Real Estate in Texas (2) Understanding Land Units and Measurement d. Real Estate Taxes and Other Liens (1) Tax Liens (2) Liens other than Taxes (3) Uniform Commercial Code C. Unit Three: Functional Real Estate Activities (CB6) (Chapters 12-16) 1. Learning Outcomes: Upon successful completion of this unit, the student will be able to: a. Explain how a contract is created, the essentials of a contract, contracts in writing, performance and discharge of a contract. b. Review TREC sales contracts and selection based on type of property and finance. (CE1) c. Discuss the offer, acceptance, rejection, and counteroffer and negotiation process. d. Explain real estate sales contracts to include: Contract selection, addendums, and temporary leases. e. Discuss completion of contract offers, changes per negotiations, maintenance during contract-to-closing time period. (CE2, CE3) f. Understand the types of listing contracts and the issues addressed in a listing contract. g. Discuss real estate appraisal: three approaches to estimating value, gross rent multipliers, the appraisal report, reconciliation, professional appraisal associations. h. Explain mortgage theory and law including: lien theory versus title theory, pledge methods, promissory notes, mortgage instruments, hypothecation, the foreclosure process, trustee power of sale, and deed in lieu of foreclosure. RELE

11 i. Describe the parties to a deed of trust, contract for deeds and the advantages/disadvantages of each. j. Define term loans, amortized loans, budget mortgages, package mortgages, blanket mortgages, and reverse annuity mortgages. k. Explain primary and secondary mortgage markets. 2. Learning Activities: a. Classroom lecture/discussion (FA4, FC3) b. Student homework study (FC1, CC1) c. Reading assignment(s) (FA1, CA1) 3. Lesson Outline: a. Real Estate Contracts (1) Essential Elements of a Contract (2) Contracts Used in the Real Estate Business b. Listing Agreements (1) Exclusive Rights-to-Sell Listing Contract (2) Exclusive Agency Listing Contract (3) Open Listing Contract (4) Net Listing c. Real Estate Appraisal (1) Appraisal Process (2) Three Approaches to Estimating Value d. Principles of Real Estate Finance (1) Mortgage Theory (2) Provisions of the Promissory Note (3) Provisions of the Deed of Trust e. Practice of Real Estate Finance (1) Sources of Real Estate Finance (2) Payment Plans (3) Conventional, FHA, VA Loans (4) Texas Loan Programs (5) Other Finance Techniques D. Unit Four: Transfer of Title, Title Records, Closing the Real Estate Transaction (Chapters 17-18, 20) 1. Learning Outcomes: Upon successful completion of this unit, the student will be able to: a. Explain the essential elements of a deed, covenants and warranties, general warranty deeds, special warranty deeds, bargain and sale deeds, quitclaim deeds, conveyance after death, adverse possession, eminent domain, reversion and alienation. RELE

12 b. Understand transfer of title through devise or descent, requirements of a valid will, probate, and codicils. c. Discuss the procedures for recordation, the need for public records, title insurance policies, title commitment, constructive notice, marketable title. d. Describe title closing and escrow to include: escrow procedures, prorations, Real Estate Settlement Procedures Act, and the Uniform Settlement Statement. 2. Learning Activities: a. Classroom lecture/discussion (FA4, FC3) b. Student homework study (FC1, CC1) c. Reading assignments (FA1, CA1) 3. Lesson Outline: a. Transfer of Title (1) Voluntary Alienation (2) Involuntary Alienation (3) Transfer of Decedent's Property b. Title Records (1) Public Records and Recording (2) Title Insurance (3) Evidence of Title c. Closing the Real Estate Transaction (1) Pre-closing Procedures (2) Conducting the Closing (3) RESPA - Uniform Settlement Statement (4) Preparation of Closing Statements. E. Unit Five: Special Topics: (Chapters 19, 21-24) 1. Learning Outcomes: Upon successful completion of this unit, the student will be able to: a. Understand real estate mathematics formulas and techniques. (FA3) b. Work real estate mathematics problems. (FA3) c. Explain real estate leases including: leasehold estates, landlord-tenant laws, subletting, types of leases, contract rent, economic rent, lease termination, evictions, and rent control considerations. d. Discuss property management functions including: management functions, the management agreement, risk management, and professional organizations. e. Discuss zoning, restrictions on land use, building codes, environmental issues and legislation, subdivision development, flood zones, and MUDs. RELE

13 f. Explain real estate investments including the benefits of real estate investments, cash flow considerations, tax shelters, depreciation calculations, mortgage reduction, exchanges, appreciation, equity buildup, property selection, and investment timing. 2. Learning Activities: a. Classroom lecture/discussion (FA4, FC3) b. Student homework study (FC1, CC1) c. Reading assignments (FA1, CA1) 3. Lesson Outline: a. Real Estate Mathematics (1) Calculators (2) Fractions (3) Percentages (4) Profit (5) Interest (6) Amortization (7) Loan Discount (8) Property Taxes, Insurance Premiums (9) Measurements (10) Prorating b. Leases (1) Leasehold Estates (2) Lease provisions (3) Landlord and Tenant Act (4) Fair Credit Reporting Act (5) Types of Leases c. Property Management (1) Property Management Services (2) Management Consideration (3) Risk Management (4) Management Profession d. Control of Land Use (1) Land-Use Controls (2) Public Land-Use Controls (3) Direct Public Ownership (4) Interstate Land Sales Full Disclosure Act e. Real Estate Investment (1) Investing in Real Estate (2) Leverage (3) Tax Benefits RELE

14 (4) Investment Syndicates (5) Investment Trusts (6) Mortgage Investment Conduits. RELE

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