3rd SUNDAY 1:30pm
Event Location Administrator Event Duration
Sales Class 14 Manhattan Kristen Bacorn 3.75hr



Chapter 14 – Mortgage Basics

  • Types of mortgages and their particular uses.

  • Typical legal clauses found in mortgages.

  • The process of judicial foreclosure and the equitableright of redemption.

  • Lending regulations designed to protect borrowers.

  • What information is required on a loan application.

  • Qualifying standards for conventional, FHA-insured, andVA-guaranteed loans.

  • The difference between a mortgage banker and a mortgagebroker.

  • What the responsibilities of a mortgage broker are.

  • The state registration requirements for mortgagebrokers.

  • New York requirements for dual agency disclosure.

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As a lecturer and educator in great demand, Kristen is tirelessly spreading the green message. She has addressed the United Nations twice, spoken annually at the NY Javits Center GoGreen Expo, appeared on national Talk Radio and filmed a pilot for Lifetime TV, along with other television appearances. She has also granted interviews to the Wall Street Journal, Newsweek, the Village Voice and other publications.


Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.