2 & 3 hour MCE courses approved by the Texas Real Estate Commission. Call or email for times/dates in your area.

1. Presented by: Kelly Murray
Realtor, Provider & MCE Instructor
Provider # 9900
Direct: 817.874.9778 kellymurray@kw.com

2. Welcome!
As a professional in the real estate industry, I understand the importance of
building relationships between Realtors and new potential clients. I am
focused on providing a high quality service and customer satisfaction. I
will do everything I can to meet your expectations. My company is based
on the belief that my customers’ needs are of the utmost importance. My
entire team is committed to meeting those needs.
My focus is to bring Realtors mandatory continuing education (MCE) that is
both informative and enjoyable. I offer a higher quality product with
years of experience and a turn-key service that enables you to build
stronger client relationships. All classes are approved through the Texas
Real Estate Commission and offer 2 or 3 hours of credit.
I welcome the opportunity to earn your trust and deliver you the best service
in the industry. We look forward to your business!
Thank you,
Kelly Murray
Realtor
MCE Instructor & Provider

3.  Building relationships
 Focused on providing a high quality service and
customer satisfaction
 Committed to meeting & exceeding customer
expectations
 TREC approved MCE Instructor

4. The purpose of this course is to give the real estate agent an understanding of the short sale
process, knowledge of how to put together a short sale package, negotiate short sales with
lenders with an overall objective to represent each seller to the best of their ability. Text
book includes examples of a hardship letter and other elements of a short sale package.
Designed for all levels of knowledge. Cost $30.00 (Includes Text Book)
 Traditional Listing vs. Short Sale Listing
 Elements of a Short Sale Package
 Writing a Hardship Letter
 Behind the scenes of the lender
 The difference between an FHA & Conventional Short Sale
 Understanding a short sale HUD
 Mortgage Forgiveness Debt Relief Act & Debt Cancellation

5. This course is very basic and for all levels of knowledge. It will enable real estate agents to
be more organized, save time, easily track sales & expenses and maintain good records for
tax time. Free up time, have less stress and see how your business is doing at a glace.
Completing payroll forms & reports will be simplified and your CPA will spend less time
completing your tax paperwork. Cost $25.00 (Includes Text Book)
 Learn the basics of bookkeeping for the real estate agent
 Be more organized & efficient with good record keeping
 Easily track income & expenses
 Invest as little as 30 minutes per week
 Save money at tax time
 Know your profit on each transaction
 Simplify payroll forms & reports
 Communicate effectively with your tax specialist

6. The purpose of the course is show the difference between a short sale & foreclosure.
Below is an example of the matrix included in the text and is designed for all levels of
knowledge. Cost $25.00 (Includes Text Book)
Item Short Sale Foreclosure
Credit Score Late payments on a mortgage will Typically will affect credit scores for at
appear after completion of a least 3 years & up to 7 years. Scores
mortgage. The effect can be as short may be negatively affected between
as 12 to 18 months. Credit score 200 and 300 points.
affected by 50 to 100 points.
New Credit Application Questions No questions on an application Questions: have you had property
(Form 1003) regarding a short sale. foreclosed upon or given title or deed
in lieu in the last 7 years?
Credit History A short sale may or not be reported Remains as a public record for 10
by a lender on a credit history. The years or more. Reported as a
lender may report it as "paid in full for foreclosure.
less than agreed" or "Settled for less."
Move Out Control of move out No control of move out.
Employment Not usually effected. Foreclosure on a credit report can
have a negative effect on
employment.
Tax Consequences Due to the Mortgage Debt Forgiveness Subject to federal and state taxes.
Act the seller will usually be exempt
from federal taxes if property was the
primary residence.
Deficiency Judgment Negotiable between seller and lender, No negotiations between the home-
however most lenders will agree to owner and the lender. It is up to the
waive on the front end if a financial lender to file a deficiency judgment.

7.  “Kelly’s class was very informative and such a timely topic in today’s
market. I would recommend her class to others.”
Bill Knox, Keller Williams
 “Kelly knows more in’s & out’s of this complex process. Her
background and experience gives her knowledge that is key to getting
responses and writing up offers that will work.”
Jolynn Blake, Prudential Texas Properties
 “Kelly has insight into the dark non-communicative world of short sales
and their processes. She offers cutting edge insight to streamline my
short sale business and has the ability to weave through all of the red
tape and get results where time is critical. I am so please with her results
that I am always looking for ways to promote her.”
Kevin Rhodes, Keller Williams - April 20, 2011

8.  “Kelly has an amazing attention to detail. Her follow up skills made all
the difference in the world. I consider her a great asset to our team.”
Brian Luker – Re/Max Masters 2011
 “Kelly knows her “stuff” and can take the hassle out of the whole short
sale process for agents”.
Kathee Livengood, Re/Max on Main
 “I enjoyed the class. Kelly is a sharp lady and is someone I would use if
I get a short sale.”
Harvey Galaise – The Galaise Team, Keller Williams
To schedule a class at your office, please call us at 817.874.9778 or
email: kellymurray@kw.com