15-Hr. MN 7/1/2026-6/30/2027 CE Package for REALTORS

Cybercrime is no longer a hypothetical risk in real estate—it affects transactions, client trust, and your bottom line every day. You’ll discover how cybersecurity threats show up in real estate practice and what you can do to protect your business. Then explore how phishing scams, business email compromise, wire fraud, malware, and data breaches can interrupt closings, expose client funds, and create legal and licensing consequences if not handled properly.

The course also connects cybersecurity directly to your professional responsibilities under Minnesota law, especially when handling and safeguarding Personally Identifiable Information (PII). You’ll gain practical strategies you can apply immediately, including better password and device practices, safer data transfer methods, antivirus protection, encryption basics, and risk management tools like cyber liability insurance.

By the end of this 3.75-hour mandatory course, you’ll be better equipped to protect your clients, reduce transaction disruptions, and strengthen your professional credibility in an increasingly digital real estate marketplace.

*Completion of this course will satisfy the 1-Hour Broker Module Requirement.

Course highlights include:

• Cyberfraud prevention strategies
• Why real estate is a target for cybercrime
• Protecting Personally Identifiable Information (PII)
• Anti-virus protection and software
• Password protection and encryption
• Phishing and business email compromise
• Risks and prevention of wire fraud
• Exploring cyber liability insurance
• Network data security
• Overview of federal and state laws
• Technology etiquette and professional communication
• Case studies to explore actual consequences in the industry
• Interactions and activities focusing on real-world scenarios

The principles of Fair Housing within your real estate business are crucial to running a fair and honest business.  The fair treatment of all who are involved in a real estate transaction is established by Federal and state Fair Housing laws.  As part of your real estate continuing education, this course will discuss the protections provided by the Fair Housing Act, other Federal laws pertaining to the fair and equal treatment of protected classes and by state and local laws governing Fair Housing.

This course meets the Minnesota requirement for one-hour of Fair Housing for all renewing real estate licensees. 

Course highlights:

• A history of housing discrimination in the U.S.
• Protected classes under fair housing law
• Red flags of discrimination in real estate and lending
• Activities and scenarios to reinforce key concepts

This course does not meet NAR's two-hour fair housing training requirement.

The business of real estate hinges on the concept of agency, where designated real estate professionals represent the needs of the buyer and/or the seller. This representation assists in sale of real property between a seller and a buyer.

This course will walk you through those rights and responsibilities as a seller’s agent, a buyer’s agent, dual agent, subagent, and facilitator. You will also learn the proper disclosures required for each type of agency.

This course provides licensees with the one hour of require Agency Law needed to renew an active license.

Course highlights:

• Fiduciary duties and ethical responsibilities of a seller's agent
• Fiduciary duties and ethical responsibilities of a buyer's agent
• Disclosure requirements  
• Dual agency  
• Sub-agency
• Facilitators (non-agents)
• Establishing brokerage agency policies  
• Activities and scenarios to reinforce key concepts

There’s a reason real estate agents often rank among the least trusted professionals in the U.S. But what can you do to improve the public’s perception? And what should you do when you run into an ethical dilemma or into a licensee who’s not behaving ethically? As a real estate professional, you can help raise the bar and improve the reputation of the industry. You can lead by example.

Aligned to the requirements of the current NAR cycle, this course will empower you to recognize and respond to ethical dilemmas, inspiring consumer confidence. For answers, we’ll look to several articles of the National Association of REALTORS® Code of Ethics, and draw from real-life ethical scenarios. In four short hours, you’ll be better prepared to exemplify the professionalism and cooperation that’s the true foundation of the real estate industry.

Course highlights include:

• Meets both regular ethics renewal requirements and new licensee ethics course requirements
• The importance of ethical behavior in NAR members and non-members alike, fostering a spirit of cooperation
• History and evolution of the Code, the preamble, and the Code’s influence on state licensing laws
• Structure of the Code
• Review and application of articles 1, 2, 3, 9, 12, 15, and 16 of the NAR Code of Ethics and Standards of Practice
• Case studies of real-life ethical challenges
• Mediation and arbitration, with arbitration as the monetary dispute resolution process between REALTORS®
• Application of Article 17 of the NAR Code of Ethics to the complaints and hearing process
• Grievance committee vs. professional standards committee
• The ethical dilemmas presented by newer technologies
• Best practices for demonstrating ethical behavior every day

*This course was designed by us to meet the REALTOR® Code of Ethics Training Requirement. Please confirm that your local association, who administers the Code of Ethics training, will accept this course.

Fair housing law stands as a cornerstone of civil rights legislation, aiming to eliminate discrimination in housing markets and ensure equal opportunities for all individuals regardless of race, color, religion, sex, national origin, familial status, disability, or any other protected characteristic. By understanding the importance of fair housing law, licensees recognize its pivotal role in fostering inclusive communities and combating systemic inequalities. This course explores the historical context, key provisions, and practical applications of fair housing law, equipping licensees with the knowledge and tools necessary to uphold these principles in their professional endeavors.

Real estate licensees play a vital role in upholding fair housing principles and safeguarding the rights of all individuals in the housing market. As gatekeepers of property transactions, licensees must stay abreast of fair housing laws and practices to ensure ethical and nondiscriminatory conduct. Beyond legal compliance, embracing fair housing principles fosters trust, promotes diversity, and enhances business success in an increasingly diverse marketplace. This course will empower licensees to navigate complex fair housing issues with confidence, fostering a culture of inclusivity and advancing the vision of fair and equitable housing for all.

This course was designed to meet the REALTOR® Fair Housing Training Requirement. Please confirm that your local association, who administers the Fair Housing training, will accept this course.

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

Click a button. Raise a paddle. Buy a house. It's just that easy--and that risky. Auctions offer opportunities and benefits and they don't only take place on the courthouse steps. They also provide the opportunity to lose one's shirt.

In this course, you’ll learn how properties end up at auction and the types of auctions you and your clients may encounter. You’ll explore the benefits and detriments of buying or selling at auction, and you’ll finish with a greater understanding of your auction-related responsibilities when working with buyers, sellers, or on your own behalf as an investor, listing agent, referral source, cooperating agent, or even auctioneer.

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