Key Realty School Catalog of Policies and Procedures – January 1 2006

1.        Disclosures: This policy manual is applicable to all students enrolled or previously enrolled with Key Realty School.

1.1.1.           Some policies may only be applicable to current students as they define the process and conduct of the student.

1.1.2.           The policy manual should be read in its entirety by every prospective student and all current students.

1.1.3.           Key Realty School may require students to acknowledge an additional copy of the policies and procedures through signature at anytime throughout the attendance of any course.

1.1.4.           Key Realty School, its employees, contractors representing Key Realty School, instructors or any individual or group affiliated with the school are not interpreters of any status law. The school maintains its integrity and reputation by providing students with the most current information applicable to Nevada and California law regarding all legal and ethical concepts surrounding the educational courses offered. But, Key Realty School recommends that all students view the laws that govern the subject enrolled in, as these laws may affect the student’s ability to seek out licensing, certifications, or any other state mandated document to practice in the field enrolled in. Key Realty School is not responsible for interpreting or discussing all laws applicable to the field enrolled in.

1.1.5.           Key Realty School offers adult classes taught in an adult learning environment. This means that statements or topics often used as examples may not be appropriate for minors. Examples are not intended to offend any group or organization and these examples are often the opinions of the instructors only but are intended for an overall education purposes.

1.1.5.1.       The following information is a registry of the state bodies governing the fields taught at Key Realty School and their contact information. This information is deemed reliable but this contact information can change. Please contact Key Realty School if you wish to receive the most current set of contact information for these regulatory bodies.

1.1.5.1.1.              Nevada Legislator – Courses effected: All   

1.1.5.1.1.1.         Web Site: www.Leg.State.NV.US

1.1.5.1.2.              Nevada Post Secondary – Courses effected: All

1.1.5.1.2.1.         Phone: 702 486 7330

1.1.5.1.3.              Nevada Real Estate – Courses effected: Real Estate, Appraisal, Property Management, Structural Inspection, Community Association Management, Time Share

1.1.5.1.3.1.         Nevada Real Estate Division / Phone 702 486 4033 OR 775 687 4280

1.1.5.1.3.2.         Web Site: www.Red.State.NV.US

1.1.5.1.4.              Nevada Mortgage Lending Division – Courses effected: Mortgage Agent, Finance, Mortgage Broker courses

1.1.5.1.4.1.         Nevada Mortgage Lending Division / Phone 702 486 0780 OR 775 684 7060

1.1.5.1.4.2.         Web Site: www.MLD.NV.US

1.1.5.1.5.              California Department of Real Estate – Courses effected: Any course applicable to California Real Estate

1.1.5.1.5.1.         Phone: 916 227 0782

1.1.5.1.5.2.         Web Site: www.DRE.CA.GOV   

1.1.6.           Some educational courses may require an exam to be taken through a state recognized testing facility other than Key Realty School to accomplish the end goal of the course taken. Though some courses may prepare for such exams, Key Realty School is not affiliated with any such organization and thus cannot be responsible for the policies and procedures of the testing center. It is recommended that students taking such exams become completely aware of all testing policies of the testing center before enrolling for said exams.  

1.1.7.           Key Realty School is a Nevada Licensed Post Secondary Educational institution.

1.1.8.           Key Realty School may offer educational courses applicable to other states and through correspondence which may require another states governing law to affect the students ability to adhere to the policies of Key Realty School. Key Realty School will cooperate with the needs of students located in other states only if these needs do not effect the integrity of Nevada law governing the courses, students and the school.

1.1.9.           Key Realty School does not endorse or recommend any other specific company or organized group for any purpose of advancement in the educational or career path that the student has chosen. 

1.1.9.1.      Key Realty School does not endorse any recommendations or comments made by the contracted instructors related to other companies or organizations other than Key Realty School. Any suggestion of such comment is intended for instructional purposes only and is often part of the learning environment. It is not the policy of Key Realty School to hold any other company or organization to different standards. The instructor’s opinions are not a reflection of the school and are used as education options toward the completion of the curriculum.

1.1.10.        Key Realty School is Limited Liability Company     

2.        Accreditation

2.1.      The state of Nevada Department of Business and Industry, Real Estate Division has accredited all real estate related courses.

2.2.      The education officers of the Real Estate Division and the Nevada Real Estate Commission review all courses and grant accreditation only after careful consideration.  Courses must be renewed on an annual basis and are subject to review at any time.  Key Realty School strives to keep our courses up-to-date with the market trends allowing the student to achieve maximum usage of the information contained therein.

2.3.      All Nevada real estate courses of instruction are approved by the Nevada Real Estate Commission and licensed by Nevada Post Secondary Education. Nevada Post Secondary Education does not license Continuing Education courses. 

2.4.      Key Realty School insures that Nevada approves the course offerings at the time of enrollment and at the completion of the course. The school will immediately suspend any course offerings that are found to not be to the standards or approved by the state of Nevada. See section 22 for information about canceled courses. Key Realty School recommends that students implement any type of educational certificate in a timely manner because educational requirements deemed necessary by governing bodies can change.

3.       Materials

3.1.      Key Realty School prides itself in the most current course materials produced by its production center. The school will use course evaluations as a method for students to express recommendations related to course material.

3.2.      Course materials should not be used as evaluations or interpretations of Nevada law, the course materials should be used for educational purposes only.

3.3.      Key Realty School often uses course material published and or created by companies or organizations not affiliated with Key Realty School. This material should be used for educational purposes only and is not designed to be interpretations of law, but recommendations for practice and testing.

4.       Policies of Nevada Real Estate Pre Licensing

4.1.      Real Estate Pre Licensing is defined as any course taken prior to the activation of any Nevada Real Estate License: Salesperson, Broker, or Broker Salesperson.

4.2.      Entrance requirements: Students must be at least 18 years of age for admission to this course. Students must also be willing to comply with the policies presented in this document.

4.3.      The maximum occupancy of the real estate pre licensing course is at the sole discretion of the admissions offices. Therefore admissions is done on a first come, first serve basis. Students repeating any subject must surrender their space in the class, only if the class is full (definition of full is determined by the admissions office based on the seats available in the classroom setting). The admissions office will use the effective start date noted on the enrollment form to determine which repeating students must relinquish their space in the classroom setting.

4.4.      The Nevada Real Estate pre licensing course can be completed via classroom or home study.

4.4.1.           All real estate students are considered home study students as classroom attendance is not recorded.

4.4.1.1.      If a student decides that classroom instruction would benefit their ability to transfer education to other states and would be more viable, the student may re enroll as a classroom student for no additional fee. Classroom enrollment must be done a separate enrollment form. Hours taken do not count toward a classroom completion certificate unless the student is completing the required sign in sheets and the student has made specific arrangements with the admissions office to be noted as a classroom student.

4.4.1.2.      Home study students are required to complete and pass examinations and all required evaluations to obtain certificates. See testing section 14.5  

4.4.1.2.1.              The passing grade on any quiz or exam is 75% or greater.  

4.4.1.3.      Only students requesting or students who are required to have attendance recorded are considered classroom students.

4.4.1.3.1.              Students who are listed as classroom students must attend 90 clock hours before students can obtain the certificate of education.  

4.4.1.3.2.              Classroom students may be required to visit the admissions office on a weekly basis to discuss attendance toward the required hours.

4.4.1.3.3.              Classroom students must clearly indicate classroom attendance on the original enrollment agreement or specifically change their enrollment to classroom in the admissions office of the school without penalty. The hours of education for classroom instruction will not be counted until an attendance log is started with the admissions office.

4.4.2.           Real Estate Students have the ability to repeat any subject at anytime at no additional cost to the student.

4.4.2.1.      The ability to repeat any course is only available while Key Realty School is able to offer or is scheduled to offer the course.

4.4.2.2.      The real estate pre licensing course is traditionally designed to be four calendar weeks (excluding holidays periods noted in the school calendar). Therefore, any education taken after the four week period is considered repeating course subjects regardless of attendance during the scheduled four week set.

4.4.2.3.      Repeating students are considered to be auditing the subject for no additional credit

4.4.2.3.1.              Though the class is rarely considered completely full, auditing students are not guaranteed a space within the course. The course space is always allocated to the students currently attending the original four week cycle.

4.4.3.           Beginning and ending of courses:  The Pre-Licensing Course begins on Monday and continues on a rotating schedule for the duration of the course.  Academic breaks are taken periodically throughout the year.  The student is given a complete calendar of breaks and holidays at the time of enrollment.  Calendars for any course are available online or from the admissions office.

4.4.4.           Instructions and fees:  Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration/enrollment form in full, and then date and sign it while within the Administration office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the registration/enrollment form.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

4.4.5.           Non-English speaking students are responsible for their own interpretation of material and instruction.  All instruction and materials will be provided in English.  Study aids are available in other languages and are available at an additional cost. 

4.4.6.           Students are required to apply for admission allowing enough time to complete the required hours of the course under the provision that one may only study a maximum of eight (8) hours per calendar day.  Calendar hours are considered when scheduling a home-study course or classroom course and course completion is not granted before the calendar hours of the course have expired. Example: Student O enrolls in the 90 hour real estate pre licensing course. Student O must wait a minimum of 12 calendar days before student O can test out of the subject. (12 X 8 = > 90 hours of education) This eight hour maximum is applicable to all increments of hours toward real estate pre licensing.  

4.4.7.           The Nevada Real Estate Division governs the application and educational recognition process. Therefore, Key Realty School recommends that the student has any and all prior education assessed by the Nevada Real Estate Division in writing to guarantee the acceptance of any prior education toward licensing application.

4.4.7.1.      Though Key Realty School prides itself in the most current information supplied by both written and verbal information provided to students, requirements and or laws may change that require more or less educational course work than originally enrolled in.

4.5.      The process of completing the requirements to apply for a Nevada real estate license may require the student to take a state sanctioned exam with a testing facility that has no business or financial relationship with Key Realty School. Though Key Realty School prides itself in its awareness of the testing company’s policies and procedures, the school is not responsible for the lack disclosure or lack of performance in anyway by the testing service. Key Realty School strongly recommends that all students thoroughly examine all testing policies of any external company prior to enrolling for an examination.  

4.6.      The classroom instructor may implement classroom conduct policies through verbal explanation or through written policy that is not noted in this catalog of policies and procedures. Students may visit the admissions office to discuss or resolve any problem pertaining to additional classroom guidelines set by the instructor. These additional guidelines may include but are not limited to: Cell phone use, use of electronic devices, excessive talking, tardiness, seating arrangements, and parking.     

5.       Policies of Nevada Post Licensing

5.1.      Entrance requirements:  Students must be at least 18 years of age for admission to the Key Realty School Post-Licensing Course.  Students must also be willing to comply with all policies presented during enrollment. The Post-Licensing Course is designed for students who have successfully passed the state board examination and/or have already obtained their Nevada real estate license.  This comprehensive course prepares the new licensee for the real estate industry and is designed to complete the 30 hour post licensing requirement deemed necessary by the state of Nevada.

5.2.      Application for admissions:  Students seeking admission are reminded that this course is designed for the new licensee.  Due to our commitment for the student's success, classes are limited to 30 participants for this classroom-hosted course.  This policy prohibits us from allowing additional students beyond the maximum level of 30 within the class.  Therefore, admission is done on a "first come - first served" basis.  Applications for admissions received after filling allocated spaces will be deferred to the first available opening of the next scheduled course.

5.3.      Beginning and Ending of courses:  The Post-training Course starting and ending dates are noted on the calendar. Students may view the calendar online or visit the admissions office to receive the most current calendar. This course is broken into 10 three hour segments. The student must complete all 10 segments within two course offerings. Example: Student O takes segments 1,2,3,4,5,8 and 9 in the March offering, Student O must complete segment 6,7 and 10 in the April offering. (or next available course offering)

5.3.1.           If the student fails to complete the 10 segments, the student will not be allowed to repeat without re enrolling and paying any additional tuition fee.

5.4.      Instructions and fees:  Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration form in full, and then date and sign it while in the Administration Office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the enrollment sheet.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

5.5.      Non-English speaking students are responsible for their own interpretation of material and instruction. All instruction and materials will be provided in English.  Study aids are available in other languages and are available at an additional cost. 

5.6.      This course is not offered on a home-study basis and must be attended in its entirety to receive the continuing education credits.  This course may require a final examination for completion. The necessity of a final exam is at the discretion of the senior instructor.

5.7.      This course will only count for the Nevada Post Licensing requirement if it is taken during the first year of active licensing. This course will not count toward continuing education.

5.8.      The classroom instructor may implement classroom conduct policies through verbal explanation or through written policy that is not noted in this catalog of policies and procedures. Students may visit the admissions office to discuss or resolve any problem pertaining to additional classroom guidelines set by the instructor. These additional guidelines may include but are not limited to: Cell phone use, use of electronic devices, excessive talking, tardiness, seating arrangements, and parking.

6.       Structural Inspection 101 and 102

6.1.       Entrance requirements: Students must be at least 18 years of age for admission to Key Realty School Structural Inspection Course.  Students must also be willing to comply with all policies presented during enrollment.  The student must also possess a high school diploma or equivalent to take the Structural Inspection Course.

6.2.      Application for admissions:  The maximum size of the course is at the sole discretion of the admissions office.  Therefore, admission is done on a "first come - first served" basis.  Applications for admissions received after filling allocated spaces will be deferred to the first available opening of the next scheduled course. This maximum level of students can be changed at anytime by the admissions office if necessary.

6.3.      The school calendar is posted in the administration office and shows all courses offered.  Interested students are offered a copy of the calendar for reference when inquiring on any course.  The student is also given a complete calendar of breaks and holidays at the time of enrollment. If a student wishes they may audit the course in the next scheduled course session with no additional fee if the course is not completely understood during the first attendance.

6.3.1.           A student must have a total of 60 clock hours to receive a certificate of education for the 101 course

6.3.2.           A student must have a total of 78 clock hours to receive a certificate of education for the 102 course

6.3.2.1.      The 101 and 102 course are completely different courses taught by different instructors. Therefore the methodology in which the class is conducted will be different.  

6.4.      Instructions and fees:  Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration form in full, and then date and sign it while in the Administration Office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the enrollment sheet.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

6.5.      Non-English speaking students are responsible for their own interpretation of material and instruction. All instruction and materials will be provided in English.  Study aids are available in other languages and are available at an additional cost. 

6.6.      The 101 course is designed as academic test preparation.

6.7.      The 102 course is designed as practical field preparation. The 102 course is viewed by the Nevada Department of Business and Industry as the equivalent of 25 inspections with an existing inspector.

6.8.      The inspection courses may require field training outside of the Key Realty School classrooms. Students must recognize this prior to enrollment and realize that Key Realty School is not responsible for traveling or transportation to such events, nor does the school provide security or assistance during these sessions. Students concerned about the possible risks occurring during observation inspections outside of the classroom setting should not enroll in the on site inspection or 102 course. Students are not permitted to actively participate in the physical inspection of any on site inspection. Students who disobey this policy will be held liable for any damage or injury caused by partaking in an activity not permitted in the course. These on site inspections are observation only.

6.9.      The classroom instructor may implement classroom conduct policies through verbal explanation or through written policy that is not noted in this catalog of policies and procedures. Students may visit the admissions office to discuss or resolve any problem pertaining to additional classroom guidelines set by the instructor. These additional guidelines may include but are not limited to: Cell phone use, use of electronic devices, excessive talking, tardiness, seating arrangements, and parking.

7.       Property Management

7.1.      Entrance requirements:  Students must be at least 18 years of age for admission to Key Realty School Property Management Certification Course.  Students must also be willing to comply with all policies presented during enrollment.  The Property Management Certification Course is designed for students who have an interest in obtaining a property management permit attached to their real estate license; however, the course is open to anyone wishing to take the course. A student taking this course with the intent of practicing the activity of property management must have an active real estate license to practice after passing the permit exam and applying for the permit. Students can take this course for information purposes only. This comprehensive course prepares the student to take the Property Management Permit exam. This course does not count toward continuing education.

7.2.      Application for admissions:  The maximum size of the course is at the sole discretion of the admissions office.  Therefore, admission is done on a "first come - first served" basis.  Applications for admissions received after filling allocated spaces will be deferred to the first available opening of the next scheduled course. This maximum level of students can be changed at anytime by the admissions office if necessary.

7.3.      Beginning and Ending of courses:  The Property Management Course is offered on a monthly basis and takes place on a Friday, Saturday and Sunday.  The school calendar is posted in the administration office and shows all courses offered. Calendars are also posted online at KeyRealtySchool.com Interested students are offered a copy of the calendar for reference when inquiring on any course.  The student is also given a complete calendar of breaks and holidays at the time of enrollment. If a student wishes they may audit the course with no additional fee if the course is not completely understood during the first attendance.

7.4.      Instructions and fees: Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration form in full, and then date and sign it while in the Administration office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the enrollment sheet.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

7.5.      Non-English speaking students are responsible for their own interpretation of material and instruction. All instruction and materials will be provided in English.  Study aids are available in other languages and are available at an additional cost.  Key Realty School will allow an interpreter within the class as long as space permits and the interpretation is not an interruption to other students.

7.6.      This class is not offered on a home-study basis and attendance is mandatory. Any absence will require the student to re-enroll in the next available course offering and the student may be required to pay for the course again.  This course requires a final examination for completion.

7.7.      The classroom instructor may implement classroom conduct policies through verbal explanation or through written policy that is not noted in this catalog of policies and procedures. Students may visit the admissions office to discuss or resolve any problem pertaining to additional classroom guidelines set by the instructor. These additional guidelines may include but are not limited to: Cell phone use, use of electronic devices, excessive talking, tardiness, seating arrangements, and parking.

8.       Broker Upgrades

8.1.      Entrance requirements:  Students must be at least 18 years of age for admission to any of Key Realty School's Broker Upgrade Courses.  Students must also be willing to comply with all policies presented during enrollment.

8.1.1.           All broker upgrade courses are designed for additional 3 credit course work applicable when developing the necessary course requirements toward a Nevada Broker or Broker Salesperson license. These courses can not be used toward continuing education and therefore are not presented in such a manner.

8.1.2.           Application for admissions:  These courses are offered only by home study.  The student need only contact the school and request the course.  Students are required to apply for admission allowing enough time to complete the required hours of the course under the provision that one may only study a maximum of eight (8) hours per calendar day.  Calendar hours are considered when scheduling a home study course and course completion is not granted before the calendar hours of the course have expired.

8.1.3.           Instructions and fees: Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration form in full, and then date and sign it while in the Administration office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the enrollment sheet.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

8.1.4.           All broker upgrade courses require a final exam for completion.

8.1.5.           Though Key Realty School may aid a student in the requirements necessary to fulfill the state demands concerning education and experience toward broker or broker salesperson application, the Nevada Real Estate Division is the sole interpreter of applicant’s credentials. Therefore, Key Realty School recommends that a potential applicant of a broker or broker salesperson license confirm all course work and experience with the Nevada Real Estate Division.

9.       Continuing Education Courses for Real Estate by correspondence

9.1.      Entrance requirements:  Students must be at least 18 years of age for admission to any of Key Realty School's continuing education courses.  Students must also be willing to comply with all policies presented during enrollment.

9.2.      All continuing education courses are designed to receive credit toward the requirements set forth by the Nevada Real Estate Commission to renew a real estate license.

9.3.      Though Key Realty School can aid an applicant with the total number of hours and subject matter needed to renew a Nevada Real Estate license. The submission and completion of the necessary documents is the sole responsibility of the student or applicant. Students may be required to fulfill specific requirements set forth by the Nevada Real Estate Commission, Key Realty School recommends that each student confirm the validity of any course work taken outside of Key Realty School with the Nevada Real Estate Division.

9.4.      Continuing education requirements change frequently and may be different for specific licensee circumstances. The student is encouraged to speak with the Nevada real estate division to reinforce any requirements if the applicant for renewal may be required to complete additional course work.

9.5.      All continuing education courses require a completion exam to receive a certificate of education.

9.5.1.           Proctor services may be available, but it is not the responsibility of the school to secure these services.

9.6.      Certificates of education are only valid during the license renewal period.

9.7.      The course approval is guaranteed at the time of enrollment for period of 30 days after enrollment in the course. The Nevada Real Estate Division and or Key Realty School could discontinue the course offering at anytime. Because these courses are completed via correspondence, students enrolling less than thirty days prior to this course cancellation will be issued a refund for the particular subject and course only or an alternative course replacement may be chosen at the student’s preference. If the enrollment date was more than thirty days prior, the student only has the ability to select an alternate or replacement course, no ability to refund the course tuition is available.

9.8.      Key Realty School is not responsible for submitting the course renewal information to the state governing body.

10.    Appraisal Education

10.1.   Key Realty School offers the 75 hour appraisal pre internship course. This combination of subjects will educate the student in the area of appraisal through significant means as to begin the state mandated two year internship.

10.2.   Key Realty School offers other appraisal courses outside of the 75 hour pre internship course that both benefit students from a practical setting and these courses may be used toward continuing education hours for appraisal license renewal or application.

10.2.1.        Key Realty School encourages each student taking an appraisal course for any other purpose than internship to contact the state of Nevada Appraisal Division to confirm the course purpose and approval for the intended purpose. Because the requirements are unique for different statuses within the appraisal field, Key Realty School is not responsible for determining what exact subjects are needed to renew, activate or apply for any state status. Therefore, the school recommends the student seek out this information from the state or local governing body.

10.3.      Entrance requirements: Students must be at least 18 years of age for admission to Key Realty School Appraisal       Certification course. Students must also be willing to comply with all policies presented during enrollment.  

10.4.      Beginning and Ending of courses:  The Appraisal Course is offered on an every other month basis and takes place over a two and a half week time period.  The school calendar is posted in the administration office and shows all courses offered.  Interested students are offered a copy of the calendar for reference when inquiring on any course.  The student is also given a complete calendar of breaks and holidays at the time of enrollment. If a student wishes they may audit the course with no additional fee if the course is not completely understood during the first attendance. This audit may only take place within the next course offering.

10.5.     Instructions and fees: Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration form in full, and then date and sign it while in the Administration office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the enrollment sheet.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

10.6.    This class is not offered on a home-study basis and attendance is mandatory. Any absence will require the student to re-enroll in the next available course offering and audit the total number of days missed in the next session only. If students are unable to complete the number of hours required within two course offerings, the student must re pay the entire tuition to attend future dates.

10.7.    All appraisal courses require a final examination for completion.

10.8.    Local, State and Federal bodies govern the educational requirements and aid in creating the requirement to become, renew or apply for any appraisal registration, license, certification or ability to practice. Though Key Realty School prides itself in the current information of these constantly changing requirements set forth by these organizations, the school would recommend that the student use the Nevada Appraisal Division as the contact point for information about these additional Local, State and Federal organizations.

11.    Mortgage Agent

11.1.    Also known as Loan Origination.

11.2.   Entrance requirements: Students must be at least 18 years of age for admission to Key Realty School Loan Origination Certification course. Students must also be willing to comply with all policies presented during enrollment. The Loan Origination certification course is designed for students who have an interest in Loan Origination or the lending process; however the course is open for anyone wishing to take the course. This comprehensive course prepares students for a knowledge-based field such as the mortgage industry.

11.3.    Beginning and Ending of courses:  The Loan Origination Course is offered on an ongoing basis and takes place over a two week span.  The school calendar is posted in the administration office and shows all courses offered.  Interested students are offered a copy of the calendar for reference when inquiring on any course.  The student is also given a complete calendar of breaks and holidays at the time of enrollment.

11.4.    Instructions and fees: Students will be required to pay all fees for the course at the time of admission.  US citizens and permanent residents in possession of a permanent immigration visa should complete the registration form in full, and then date and sign it while in the Administration office.  All information provided to Key Realty School by the student becomes the property of Key Realty School and no information other than student name and address will be given to anyone other than the student providing the information unless otherwise noted on the enrollment sheet.  Admission or registration based on any misrepresentation of the student may result in cancellation of admission and/or enrollment without the possibility of refund.

11.5.   This class is not offered on a home-study basis and attendance is mandatory. Any absence will require the student to re-enroll in the next available course offering and audit the total number of days missed in the next session only. If students are unable to complete the number of hours required within two course offerings, the student must re pay the entire tuition to attend future dates.

11.6.   The Nevada Mortgage Lending Division is the state body governing the practice of Loan Origination. Therefore, Key Realty School recommends that all questions related to license application and Nevada practice be forwarded to the Mortgage Lending Division.

11.7.   Though Key Realty School offers suggestions as to when Mortgage Brokers may be hiring, Key Realty School does not guarantee job placement, nor does the school endorse any other companies practice or policies.

12.     Home Study Academic Policies

12.1.    Home Study courses require the student email questions pertaining to course curriculum to the school. This insures that an instructor will answer the questions in the most efficient manner possible. Home Study students may not ask curriculum questions of the admissions counselors or other office staff because they may not be trained and or educated to answer these questions.

12.2.     Home Study courses must be completed within one year of the original enrollment. If a student does not complete the course by passing the final exam within the one year allotment, the student must re enroll in the course and pay the entire tuition amount to receive credit for the course. The student will be given a new current set of course materials and must abide by the course policies as if they were starting the course for the first time.

12.3.   Home study students can not complete more than 8 hours of education per day. Example: The 90 hour pre licensing course can not be completed in anything less than 12 calendar days.

12.4.    Key Realty School is not responsible for updating course materials for courses that have been modified during the home study process. Therefore, Key Realty School recommends completing the course in the quickest time reasonably possible to avoid these changes.

13.    Credit for Previous Training

13.1.     Key Realty School is authorized to provide credit for previous training when the course in question is through Key Realty School.

13.2.    Credit will not be issued for partially completed courses that are no longer offered.

13.3.    Key Realty School is not an approving authority for previous education waivers from other schools in other states.  Students who feel they may/should receive partial or complete credit for previous education must contact the Nevada Real Estate Division for authorized approval.

13.4.    Students are required to notify the school of their education needs and are reminded that Key Realty School is not responsible for incorrect or misunderstood requirements for education.

14.    Definitions and Standards

14.1.1.     Classroom instruction involves actual participation in a classroom environment.   An instructor will guide the students through the material and will be present during scheduled class times.

14.2.      Definition of home-study courses

14.2.1.     Home-study courses may be referred to as Independent Study or Correspondence programs.

14.2.2.     Home-study course material is designed to allow the students to conduct their education at their own pace and location.  The Real Estate Division will only allow the student to study a maximum of eight (8) hours per calendar day.

14.2.3.     An instructor is available to answer questions regarding instruction and material only by email; however, the instructor is not available for private instruction or assistance.

14.2.4.     Students must allow enough time to complete the required hours of the course.  Calendar hours are considered when scheduling a home-study course and course completion is not granted before the calendar hours of the course have expired.

14.2.5.     Students must complete all home study courses within 12 months of enrolling to receive credit for the course.  It is the responsibility of the student to complete the course within this time frame and Key Realty School is not responsible for material that has been updated, changed or deleted from our offered courses. Students can elect to purchase new materials if the materials have changed.

14.3.      Credit for Previous Training

14.3.1.     Key Realty School is authorized to provide credit for previous training when the course in question is through Key Realty School.

14.3.2.     Credit will not be issued for partially completed courses that are no longer offered.

14.3.3.