Instructors & Course Descriptions

Virginia Lawson

Virginia “Ginny” Lawson has been a practicing attorney since 1984. She has taught real estate pre-license and continuing education classes since 1981 for many providers including colleges, universities and proprietary schools. Ginny earned her bachelor’s degree in real estate from Eastern Kentucky University and her juris doctorate from the University of Louisville. Although Ginny has practiced in numerous areas of the law, her focus has always been real estate law. Part of her practice deals with handling cases assigned to her by the errors and omissions insurance carriers that hire her to defend real estate agents who have had lawsuits and KREC complaints filed against them. Many of her classes deal with the issues that have arisen in those cases, because it seems that the same issues keep arising. Ginny has authored five books, including Kentucky Real Estate Law, Sales Contracts for the Real Estate Professional, AMP Real Estate Exam Preparation, Kentucky Real Estate License Law Tutorial and Law of Agency. She has written numerous articles that have been published in newspapers, newsletters, professional journals and trade publications.

GRI 100: Ethics & Law

Instructor: Virginia Lawson
  • 6 hours CE (3 elective hours and 3 law hours)
  • 8 broker hours
  • NAR ethics requirement
  • PLE: 3 licensee compliance, 2 agency and 3 elective

Utilizing the REALTOR® Code of Ethics and Standards of Practice, the course examines your responsibilities to clients, to customers, to the public and to fellow real estate professionals. Procuring cause and the enforcement process in regards to arbitration and mediation when a violation occurs is discussed. The course also covers Pathways to Professionalism dealing with the public, property and your peers.

GRI 200: Risk Reduction

Instructor: Virginia Lawson
  • 6 hours CE (3 elective hours and 3 law hours)
  • 8 broker hours
  • PLE: 3 fair housing, 2 agency, 2 risk management and 1 disclosure

The course covers federal and state laws relating to agency, property condition disclosure, anti-trust, fair housing, lead-base paint disclosure, errors and omissions insurance, and other risk-reduction issues. Also covered are other disclosure issues that can be prevalent in transactions such as home inspections, insect infestations and stigmatized property.

Larry Disney

Larry Disney retired February 1, 2017 after serving as the Kentucky Real Estate Appraisers Board for twenty years in the capacity of Complaint Investigator and Executive Director.  He is a Kentucky Certified General Real Property Appraiser, a Kentucky licensed Real Estate Broker, designated SRA member of the Appraisal Institute, designated IFAS member of the National Association of Independent Fee Appraisers, certified by the Appraiser Qualifications Board of The Appraisal Foundation as an instructor of the Uniform Standards of Professional Appraisal Practice (USPAP), and certified by the International Distance Education Certification Center as a Certified Distance Education Instructor (CDEI).                                                                   

Larry is a past President of the Association of Appraiser Regulatory Officials (AARO), having served two terms.  He has been a practicing real property appraiser since 1977, and since 1982 he has developed and instructed qualifying education and continuing education courses for real estate licensees and real property appraisers.  Since retiring he is continuing the education and consulting services as a part of the Disney Education and Consulting Group based in Lexington, Kentucky.

GRI 300: Competitive Market Analysis

Instructor: Larry Disney
  • 6 hours CE (3 elective hours and 3 law hours)
  • 8 broker hours
  • PLE: 3 advertising, 2 agency and 3 elective
  • PVA (Property Valuation Administrator): 6 hours CE
  • Appraisal: 7 hours CE

This course is designed to cover the essentials needed to create a Competitive Market Analysis (CMA) and its purpose, as well as key principles of valuation impacting these analyses, and terminology. With a clear understanding of appraisals and how they differ from CMAs, as well as the appraiser’s role. After taking this course, real estate professionals will be able to clearly and effectively prepare, present a superior CMA and address client concerns about pricing. Additionally, understand requirements to exercise due diligence when developing and reporting sales prices to a client, evaluate the appraisal report while be able to determine if the information reported is accurate and factual, but most importantly how to overcome certain challenges to protect both the agent and the client.

Jeff Ratanapool

Jeff joined Century Mortgage in 1997 and opened the first satellite office in Lexington, KY in March of 1998. Since that time, Century Mortgage has grown to 6 regional offices, 12 satellite offices and is licensed in 13 states. Last year, the Century Mortgage Corporation closed over 900 Million in residential mortgages. He has personally originated and closed over 850 million in home loans since 1997, so it is easy to see why Jeff earned the title of President in 2010, where he continues to lead and grow. Jeff began teaching finance classes for the Greater Louisville and Lexington-Bluegrass Association of Realtors® prior to becoming a GRI instructor, which he has done for past ten years. He is a committed businessman and family man with a wife and two daughters. He is extremely disciplined, focused and makes time for the important things. In addition, Jeff is committed to giving back to his community in many different forms. He has served or is serving on the boards of directors for Kentucky Easter Seals, Louisville Easter Seals, Louisville Homebuilders Association, Affordable Housing task force, Political Action Committee, JCPS/Stopher Elementary School and the Fern Creek High School Alumni Association.

GRI 400: Financing

Instructor: Jeff Ratanapool

  • 6 hours CE (3 elective hours and 3 law hours)
  • 8 broker hours
  • ​PLE: 3 finance and 5 elective

Covering conventional, FHA, VA and adjustable rate mortgages, and credit issues that arise in the loan application process, this course will broaden your client’s transaction possibilities. The course extends participants’ knowledge beyond the “typical” secondary money market loans. Included a recap of certain RESPA rules and regulations and information on tax implications of a residential sale or purchase.

Harry Borders

Harry graduated with honors from the University of Louisville with a bachelors degree in Electrical Engineering in 1988. He went on to graduate in the top 10% of his class at the University of Kentucky College of Law. Harry has practiced real estate law in his family firm of Borders & Borders in Louisville since 1991. The firm's focus is real estate closings, setting up small businesses, wills and estates. Harry and his firm make volunteer work a priority. Borders & Borders has closed every single closing for both Habitat for Humanity of Louisville and the Fuller Center For Housing of Louisville since both organizations have begun. In addition, Harry travels annually to Central America to build homes for families in need. Harry has taught real estate law to Realtors® throughout Kentucky for nearly 20 years. He consistently receives very high praise from his students. Harry's goal is to keep Realtors® up to date on the constant changes in the industry while making the time pass quickly with his enthusiasm and humor. You will come away from his classes with many new skills and hopefully a few laughs at the same time.

GRI 500: Contracts

Instructor: Harry Borders

  • 6 hours CE (3 elective hours and 3 law hours)
  • 8 broker hours
  • ​PLE: 6 contracts and 2 disclosure

You’ll leave this course equipped with skills to properly prepare offers to purchase, property-listing agreements and other forms to protect the interests of your clients. The course includes an explanation of typical contract terms and conditions for clear communication. Follow the entire negotiation process with strategies used in the original offer, in presentation, and in subsequent counter offers.

Heidi Fore

Heidi knows what makes a house sell. Since starting her real estate career, Heidi and her team have sold over 1,000 homes. In addition to being a Kentucky REALTOR, Heidi Fore is an international real estate trainer and agent business consultant for agents in the USA, Canada, and Jamaica. If her name sounds familiar, it could be because you read about Heidi in Realtor Magazine's "30 Under 30" or Business First's "40 Under Forty" or Real Estate Magazine's "Realtors On The Rise" articles, or maybe you saw her on HGTV's House Hunters. Her passion is teaching and coaching others to achieve their goals in life.

GRI 600: Business Systems & Technology

Instructor: Heidi Fore

  • 6 hours CE (3 elective hours and 3 law hours)
  • 8 broker hours
  • ​PLE: 3 technology/data security and 5 elective

A comprehensive package of tips, checklists and systems. Topics focus on managing yourself like a business and deal with time management, contact management and transaction management processes. It also highlights marketing techniques and ways to grow your business through different outreach methods. Financial systems and how to construct and manage personal and business budgets will also be explained. How to create effective client presentations using technology like photography and video will be explored. New to the class will be a look into technology systems and how these can be incorporated into your business to cut expenses while making more income.