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  • REAL ESTATE Instructor
  • REAL 120, Real Estate Finance
  • BS, North Texas State University
  • RE Broker, California
  • VOICEMAIL: 760.757.2121 x1304
  • EMAIL:
Ron McGowan
REAL 120 Class

Ron McGowan is an Associate Faculty Instructor at Mira Costa College currently teaching the Real Estate Finance Class (Real 120).  Ron works with CMG Financial in the San Diego office as a Mortgage Consultant.  CMG Financial is a national lender with its corporate office in San Ramon, CA.  Ron has worked in the mortgage industry in Southern California for 29 years. He received his Bachelor’s degree in Business Administration -- Banking and Finance from North Texas State University.  Ron has been a licensed California Real Estate Broker since 1988.


REAL 120:1742 Fall2015

REAL 120 Fall2013


REAL120 Pt1 Pt2

REAL120 Student Pres Pt1 Pt2 Pt3


IMPORTANT NOTE on CLOSED Classes: All the online classes and many of the on-campus classes close quickly. You should register ASAP if you are interested in any class. If you change your mind, please drop the class immediately so others can enroll. If the class is closed, consider the Wait List procedures; be aware of the rules and the limitations. Otherwise, consider these options: 1) register for another section if available; 2) register for another class; 3) consider registering in a future semester; 4) show up for the first day of an on-campus class and discuss with the instructor; or 5) forget about it and move on. The instructor will not intervene with the wait list procedure.

Please be aware that, once a class reaches maximum enrollment and “closes,” on or after the first day of the semester, even if “available” spaces appear on SURF due to drops, it is within the instructor's complete discretion on whether to add more students at that time. Drops after the first day are normal attrition and are factored in when setting the maximum enrollment. The class has started and important assignments and subject matter have already been covered. Please do not email the instructor. Thank you for your understanding.

Teaching Philosophy/Style and Class Management/Activities

I want students to learn the fundamentals of real estate finance based on their individual objectives and their future goals in real estate.  Being active in the mortgage and finance business, I bring an abundance of practical knowledge and applications to the classroom and integrate this information with the finance theory from the text book.  I believe that the lessons that I have learned and continue to learn in the mortgage business will greatly benefit students that want to be real estate professionals and assist them with already knowing solutions to the many pitfalls that exist in the real estate business.  

We start each class with current events as the procedures, trends, and guidelines that affect real estate finance can change on a daily basis.  Students will have group problems based on selecting the best loan for certain customer profiles.  They will also learn through an investment exercise how to invest in real estate for themselves and their customers throughout the country.  Our many guest speakers will bring various industry real world expertises to share with the students.  Students will learn how to develop a business plan and identify their sources of business so they will be on the fast track when they are licensed.  The basic goal is to give students the tools to create more opportunities to enhance their careers and their professional development.

I cover a multitude of career paths as it relates the real estate industry.  I also address ways to develop personal goals for achieving financial success with real estate.