UTA offers several Foreclosure Certification courses and exams for members. UTA certification is designed so that employers and consumers alike will have the confidence in the recipient’s thorough knowledge of the nonjudicial foreclosure process. Courses are designed with applicable state law and are taught by a highly experience panel of instructors from the foreclosure, title and legal communities. Certified members have the knowledge and education necessary to perform the duties associated with the process of nonjudicial foreclosures.

The Basic Foreclosure Certification Course Syllabus includes: Outline of state foreclosure procedures; Monetary and non-monetary defaults; Judicial v. nonjudicial foreclosures; What a Lender provides to the Trustee; What a Trustee does; Notice of Default (NOD); What a Lender receives from a Trustee; Review of Trustee’s Sale Guarantees; Reinstatement; Notice of Sale (NOS); Presale Redemption; Sale; Trustee’s Deed; Proceeds of Sale; Bankruptcy.

The Basic Foreclosure Certification Course is four hours and the exam is a one-hour open book exam.

Among other things, this program will focus upon complex foreclosures including multiple notes, multiple deeds of trust, cross-default clauses, mixed collateral loans, mechanics liens, IRS liens, special federal liens, special issues at the sale, forbearance or workout agreements and Bankruptcy (in more depth than required for basic certification).

This four hour course is followed by a one-hour open book exam for UTA members who seek a UTA California Intermediate Certificate.

Pre-requisite: Attendees must have passed the California Basic Foreclosure Exam (Level I)

Covers state foreclosure procedures; monetary and non-monetary defaults; judicial vs. non-judicial foreclosures; what a lender provides to the Trustee; what a trustee does; notice of default; notice of sale; review of Trustee’s Sale Guarantees; reinstatement; presale redemption; sale; Trustee’s Deed; Proceeds of Sale; and Bankruptcy.

The four-hour course is followed by a one-hour open-book exam.

Covers state foreclosure procedures; monetary and non-monetary defaults; judicial vs. non-judicial foreclosures; what a lender provides to the Trustee; what a trustee does; notice of default; notice of sale; review of Trustee’s Sale Guarantees; reinstatement; presale redemption; sale; Trustee’s Deed; Proceeds of Sale; and Bankruptcy.

The four-hour course is followed by a one-hour open-book exam.

Certification Guidelines

In order to be certified, one must fulfill all of the following criteria;

  • Pass the certification exam with a score of at least 70%.
  • Maintain UTA membership in good standing.
  • Attend either the Annual Education Conference OR three regional meetings within two years of certification and every two years thereafter.

Other Important Points:

  • The certified designation two-year term begins on the anniversary date of testing.
  • Non-members may take the course and exam but may not be certified unless they become a member within 90 days of sitting for the exam.