1. HUD Homes for Sale
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Frances Flynn Thorsen received her real estate license and became a REALTOR® in 1985. She has been featured in
Investors’ Business Daily, BusinessWeek Online, Inman News, REALTOR® Magazine, and The Philadelphia Inquirer. She was
founding editor of RealTown.com and worked as Community Manager of Trulia.com. Frances has written numerous articles
about HUD homes and foreclosures, and she wrote two books that are part of these classes. She is CEO of Socialebb Strategies
and Solutions and Owner/Administrator of Frances Flynn Thorsen Real Estate School.
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HUD Homes are government owned properties available to consumers with a
special set of rules and tools. There are two classes – one covers the contract
and transaction management, the other explores consumer outreach, financing,
and marketing. Upon registration, students will receive copies of two e-books:
 HUD Homes for Sale – Sales and Marketing Guide for Real Estate Agents ($39.95 value)
 HUD Homes for Sale – Complete Buyer’s Guide ($19.95 value)
Class 1: HUD Homes for Sale – Class 2: HUD Homes for Sale –
The Contract and Transaction Consumer Outreach 3.0
What Is A HUD Home? FHA Financing & FHA 203(k) Rehab Loans NEW
Who Sells HUD Homes? HUD Good Neighbor Program
Homebuyer 22% Down Payment Assistance NEW 22% Down Payment Assistance Messaging NEW
Does the Agent Represent the Buyer or HUD? HUD Homes Advertising Guidelines
How Much Should the Buyer Offer? Print Campaign and Telephonic Outreach
st
Complete A HUD Contract Line by Line. Webinars – Harness 21 Century Technology..
Bid Results – Win or Lose? Internet Marketing Strategies and Tools
Play by the Rules – The Fact that Rules Are Routinely Weave HUD Homes Evangelism in Social Media.
BROKEN is NOT an Excuse to Break Them Yourself! FHA Home Affordable Modification Program NEW
Register at I will fill this in Walk-Ins Welcome!
Classes held at TBD
Frances Flynn Thorsen Real Estate School 317-PUBLISH
P.O. Box 64537, Tucson, AZ 85728 FrancesThorsen@gmail.com
DAY OF WEEK, mo/day, 2010
9am-12 noon and 1-4pm
$35 per class / $50 2-class package
Receive 3 Hours Contract Law and 3 Hours Fair Housing

2. FHA 203(k) Financing
Makes Realtors® Neighborhood Heroes
_____________________________________________________________________________________
Frances Flynn Thorsen received her real estate license and became a REALTOR® in 1985. She has been featured in
Investors’ Business Daily, BusinessWeek Online, Inman News, REALTOR® Magazine, and The Philadelphia Inquirer. She was
founding editor of RealTown.com and worked as Community Manager of Trulia.com. Frances has written numerous articles
about HUD homes and foreclosures, and she was one of the first agents in the country to introduce her buyers and sellers to
FHA 203(k) financing in the 1990s. She is the Owner/Administrator of Frances Flynn Thorsen Real Estate School.
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B
ank owned properties, homes in disrepair, and fewer
loan products present new challenges to real estate
agents and brokers in today’s marketplace. FHA
financing was a lonely stepchild in Arizona during the
subprime heyday. FHA 203(k) financing enjoys a renaissance, opening
the market to more buyer choice, and saving financially hard pressed
sellers additional economic hardship. It’s a win-win scenario!
Show “cash-only” MLS-listed properties
to FHA qualified buyers.
Overcoming buyer and seller objections to FHA financing.
Sales contract issues – FHA flipping rule, appraisal issues, condos, contract writing, lender turn times.
Special FHA and HUD Homes for Sale programs
Use 22% Down Payment Assistance programs for qualified buyers.
Two FHA 203(k) rehab loan products – Streamline and Full
Amortizing repairs and rehabilitation costs
Step-by-step walk through the process
Builder’s Agreement and fees
Maximum Mortgage Worksheet
Apply a 203(k) sales strategy to residential property listings.
This class is approved by AZ Dept. of Real Estate for 3 hours General CE credit
Classes held at TBD
Frances Flynn Thorsen Real Estate School 317-PUBLISH
P.O. Box 64537, Tucson, AZ 85728 FrancesThorsen@gmail.com

3. Save the Dream!
Help Homeowners KEEP Their Homes
_____________________________________________________________________________________
Frances Flynn Thorsen received her real estate license and became a REALTOR® in 1985. She has been featured in
Investors’ Business Daily, BusinessWeek Online, Inman News, REALTOR® Magazine, and The Philadelphia Inquirer. She was
founding editor of RealTown.com and worked as Community Manager of Trulia.com. Frances has written numerous articles
foreclosures, home retention, and predatory marketing. She works with members of the Southwest Fair Housing Council and
Arizona Foreclosure Coalition. She is the Owner/Administrator of Frances Flynn Thorsen Real Estate School.
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There is an unprecedented number of foreclosures in Arizona. More homeowners than ever face the possibility that they will
lose their homes because they are unable to pay their mortgage. This is a three-hour class taught by one of the nation’s leading
consumer advocates/activists in the home retention arena. Help homeowners KEEP their homes and win referrals from those
homeowners for many years! THIS CLASS IS NOT ABOUT HOW TO EARN INCOME WITH LOAN- MODIFICATION-FOR- MONEY-
PROGRAMS. This class will teach real estate agents how to use legitimate outreach methods to help people save their homes,
not get-rich-quick schemes that take advantage of distressed homeowners. A member of the Arizona Foreclosure Coalition will
pariticpate in a roundtable discussion at each class.
Excerpt from "Real Estate Dough," (Rossdale Press, 2008) by Bernice Ross, Ph.D.: "Frances Flynn Thorsen ... raised
an issue that almost no one in the real estate industry has addressed. In our rush to become foreclosure experts
and to close more short sales, we have neglected the most important role that we could play ... assisting
homeowners in restoring their hope and providing them with a path to staying in their homes."
Increasing numbers of homeowners are reaching outcomes that leave them with lower mortgage payments and a
plan that helps them remain in their homes. Learn how this outreach works and how YOU can help supply resources.
Learn how to create your own Public Service Announcements … create good will.
Creating strategic relationships with nonprofits and government agencies in the home retention arena.
Predators and scam artists
Using social media tools for consumer outreach.
Get the skinny on paid loan modification schemes.
Short sale hawks are using predatory marketing techniques to obtain listings. Short sales are a LAST RESORT.
This class is approved by AZ Dept. of Real Estate for 3 hours Agency Law CE credit
Classes held at TBD
Frances Flynn Thorsen Real Estate School 317-PUBLISH
P.O. Box 64537, Tucson, AZ 85728 FrancesThorsen@gmail.com