Virginia 45-Hour Real Estate Finance Course – Broker Pre-License

You already sell real estate. Becoming a broker in Virginia means 180 hours of broker pre-licensing education on top of your salesperson license — and Finance is one of the four subjects the Real Estate Board names by statute. These 45-hour Virginia real estate finance classes cover how deals actually get funded: mortgage markets, lending rules, investment analysis and the arithmetic behind every closing.

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    Where deals are won or lost: mortgage markets and loan types, lending practices, federal regulations, and the financing structures your clients will ask you about.
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    Virginia rules, not generic national content: built against the Real Estate Board’s regulations and updated as they change.
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    Take Finance alone, or add the rest: the other three 45-hour modules when your schedule allows.
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    DPOR-approved school, license 0211001323: with licensed Virginia instructors by phone, email or text.

Need all four modules? See the 180-Hour Virginia Real Estate Broker License course →

Starting at $173.42

Course at a glance

Virginia 45-Hour Real Estate Finance — Key Facts

45Class hours
Core subjectNamed by statute
$173.42Starting price
DPOR course # 0214030512
What it covers Mortgage markets, lending rules, investment analysis and closing arithmetic
Counts toward 45 of your 180 class hours — a named subject under § 54.1-2105(D)
Who is it for? Licensed VA salespersons
When can I upgrade my license? Once you have 36 months of active Virginia salesperson experience within the 48 months before you apply
Next step PSI broker exam — state & national

Most candidates pair Finance with Appraisal — together they cover how a deal is valued and how it gets funded.

Hear From Our Real Estate Students




DPOR-Approved



45-Hour DPOR-Approved Course

The complete 45-hour Virginia Brokerage course — fully approved by the Virginia Real Estate Board, self-paced, and designed to get you to exam day confident.



Detailed Progress Tracking

Monitor your journey through all 45 hours with real-time progress reports and quiz scores. You'll always know exactly where you stand — and what it takes to get to the finish line.



Interactive Lessons, Any Device

Video content, interactive lessons, and quizzes available 24/7. Your progress syncs seamlessly across your phone, tablet, and computer — so you never lose your place.



Audio Lessons Included

Every course includes audio lessons so you can keep learning on the go — on your commute, at home, or anywhere your schedule takes you.

Virginia 45-Hour Real Estate Finance Course Packages

Virginia 45-Hour Real Estate Finance #0214030512
Practice Exam
Course Completion
Learning Add-Ons
Exam Preparation
Real Estate Exam Prep Ebook
Questions & Answers

Virginia 45-Hour Real Estate Finance Course – Frequently Asked Questions

What does the Virginia 45-Hour Real Estate Finance course cover?
Mortgage markets and loan types; Lending practices and federal regulations; Real estate investment and financing strategies; and Financial calculations and amortization schedules. It is delivered as 45 class hours of DPOR-approved instruction, 100% online and self-paced.
Is the Finance course required for a Virginia broker license?
Yes, in effect. DPOR classes it as a Broker-Specific Course. After the required Real Estate Brokerage course, DPOR requires either all three Broker-Specific Courses - Real Estate Appraisal, Real Estate Finance and Real Estate Law - or two of those three plus one approved Broker-Related Course. So you need Finance unless you replace it with the other two Broker-Specific Courses plus an approved related course.
How many hours does Virginia require for a broker license?
DPOR requires 180 class/clock hours, built from courses of at least 45 class hours (or 3 semester hours) each. Finance is one of those courses. How the four modules combine, and the two routes DPOR accepts, are set out on our Virginia 45-Hour Real Estate Brokerage course page.
Can I take the Finance course on its own?
Yes. You can buy the 45-hour Finance module by itself from $173.42, or take all four together in the 180-hour Virginia broker package. Bear in mind DPOR requires the Real Estate Brokerage course plus either all three Broker-Specific Courses or two of them plus one approved Broker-Related Course - so in total you will need Brokerage and at least two of Finance, Appraisal and Law.
Does my 60-hour Principles course count toward the broker requirement?
No. DPOR states that any Principles of Real Estate course taken for licensure as a salesperson is not acceptable as broker pre-license education. Your broker hours start from zero, and Finance counts toward them.
When can I upgrade from salesperson to broker in Virginia?
You must have been actively licensed and engaged as a real estate salesperson for 36 of the 48 months immediately preceding your application (18VAC135-20-35(C)), and your experience must be verified by your principal or supervising broker. You must also be at least 18 and hold a high school diploma or its equivalent.
Is MLS Campus approved by Virginia DPOR?
Yes. MLS Campus is a DPOR-approved Virginia real estate school, license number 0211001323, and this course is approved as #0214030512. Your course completion is reported to DPOR at no extra charge.
What guarantee do I get?
Every package includes a 30-day money-back guarantee. If you do not pass the course final exam, you can retake the course at no additional cost.

Moving from salesperson to broker in Virginia means 180 hours of pre-licensing education, and § 54.1-2105 of the Code of Virginia names exactly four subjects it must cover. The Virginia 45-Hour Real Estate Finance course from MLS Campus (DPOR-approved Virginia real estate school, license 0211001323) delivers one of them in full, 100% online and at your own pace, as approved course #0214030512.

Why Finance Is One of Virginia’s Four Named Broker Subjects

Virginia names four broker subjects: Real Estate Brokerage, Finance, Appraisal and Law. Only Brokerage is required on every route; the other three, including Finance, are what DPOR calls Broker-Specific Courses. You must take Brokerage plus either all three of them, or two plus one approved Broker-Related Course — so you will need at least two of Finance, Appraisal and Law.

The full rule, both routes and the complete list of approved Broker-Related Courses are set out on the Virginia 45-Hour Real Estate Brokerage course page.

What You Will Learn in the Virginia 45-Hour Real Estate Finance Course

Finance is where most brokerage disputes begin: a deal collapses at underwriting, a buyer misreads a rate lock, an investor misjudges leverage. A broker who cannot read a loan file cannot supervise the agents writing them.

Course Topics

The Virginia Real Estate Board does not publish a per-topic hour breakdown for broker courses, so the structure below is the MLS Campus course structure, built to satisfy the 45 class hours in full:

  • Mortgage markets and loan types: conventional, government-backed and portfolio lending, and how secondary-market appetite shapes what your buyers can borrow.
  • Lending practices and federal regulations: qualification, underwriting and the federal disclosure regime that governs every residential transaction.
  • Real estate investment and financing strategies: leverage, return measures and the financing structures used on income property.
  • Financial calculations and amortization schedules: the arithmetic a broker is expected to check rather than take on trust.

How the Finance Course Fits Virginia’s 180-Hour Broker Requirement

Virginia states its broker education requirement in semester hours, not clock hours. Per § 54.1-2105 of the Code of Virginia, every applicant for an initial broker license must have completed not less than 12 semester hours of real estate instruction. At three semester hours per course, that is four courses of 45 class hours each — the 180 hours quoted everywhere else.

Module Hours DPOR course # Status
Real Estate Brokerage 45 #0214030511 Required specific course
Real Estate Finance ◀ this course 45 #0214030512 Named content area
Real Estate Appraisal 45 #0214030510 Named content area
Real Estate Law 45 #0214030513 Named content area
Total 180 — 12 semester hours

You can buy this Finance module on its own, or take all four together through the 180-hour Virginia Real Estate Broker License course, which bundles the full requirement from $579.42.

Who Can Apply for a Virginia Broker License

You must be at least 18, hold a high school diploma or equivalent, and have been actively licensed as a Virginia salesperson for 36 of the 48 months before you apply, verified by your principal or supervising broker. Fingerprinting is required, all coursework must be passed before you sit the exam, and a Principles of Real Estate course used for your salesperson licence cannot be reused.

The full eligibility checklist is on the 180-Hour Virginia Real Estate Broker License course page.

After Your Coursework

Once every required course is passed, you sit the Virginia broker examination with PSI — national and state portions, both required. Our Deluxe and Premium packages include the Broker Exam Prep Master and Math Cram.

Choose Your Virginia Real Estate Finance Course Package

All three packages deliver the same 45 DPOR-approved class hours and the same course completion reporting to DPOR. They differ in how long you have, and how much support and exam preparation comes with it.

  • Basic — $173.42: the full 45-hour course, unlimited practice-exam attempts, free final exam, certificate and DPOR reporting, six months of access.
  • Deluxe — $274.45: adds audio lessons, the AI Instructor, the Broker Exam Prep Master, the Math Cram and the exam-prep ebook.
  • Premium — $349.50: everything in Deluxe plus a full 12 months of course access.

Every package carries a 30-day money-back guarantee, and if you do not pass the course final exam you can retake the course at no additional cost.

Why Study Finance With MLS Campus

  • Approved where it counts: a DPOR-certified Virginia school (licence 0211001323) teaching an approved course, with completion reported to DPOR at no charge.
  • Written for working licensees: self-paced across desktop, tablet and phone, with audio narration on Deluxe and Premium.
  • Support on the hard parts: licensed Virginia instructors by phone, email or text — useful when lending and investment analysis gets technical.