The Real Estate Finance course provides pre-license students with a foundational understanding of the financial principles and practices that support real estate transactions. This course introduces the basic concepts of money, credit, lending institutions, and mortgage markets, while examining how financing affects buyers, sellers, and real estate professionals. Students will explore the various types of real estate loans, including conventional, FHA, and VA financing, as well as loan underwriting, qualifying borrowers, and the role of government agencies and the secondary mortgage market. Emphasis is placed on understanding interest rates, loan terms, closing costs, and the practical application of financing in residential and commercial transactions. By the conclusion of this course, students will be able to identify key financial instruments, explain the mortgage process from application to closing, and apply financing concepts to assist clients in making informed real estate decisions. This knowledge prepares candidates to meet the Ohio Real Estate Commission's pre-license education requirements and to build a strong foundation for a successful real estate career.