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RAO VẶT BUÔN BÁN NHÀ CỬARAO VẶT LITTLE SAIGON

 

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NGƯỜI VIỆT RAO VẶT MIỄN PHÍCHO THUÊ NHÀ, PHÒNG

Bạn có thể bắt đầu thi lý thuyết trắc nghiệm real estate salesperson:

1. 
In California most of the real estate syndicates are:
2. 
Life and disability insurance must be purchased by a borrower under a(n) ___ loan.
3. 
A buyer wishes to obtain a loan on a house and assume the bonded indebtedness. Which of the following would be true?


4. 
A borrower did not have a sufficient down payment for an FHA loan. The broker loaned the buyer $1,000 on a personal note in order for the buyer to complete this transaction. This loan:


5. 
An insurance company is least likely to make a loan on a(n):


6. 
A mortgage loan correspondent would be regulated primarily by:
7. 
As a general rule, the difference between individual and institutional lenders is that individual lenders:


8. 
When are the premiums paid on the insurance for an FHA loan?
9. 
A buyer was able to get down payment assistance as well as a below market rate of interest. Where did she obtain this loan?
10. 
The lender's best protection would be:


11. 
With a monthly gross income of $3,800, loan payment (PITI) of $1,142, and long term monthly debt obligations of $340, the back end ratio would be:


12. 
A low loan to value ratio would be indicative of:
13. 
Which of the following is an open-end loan?


14. 
Which of the following loans is not available for the purchase of a farm?


15. 
Who pays for Mutual Mortgage Insurance?
16. 
A loan-t0-value ratio is best described as:
17. 
The government is actually the lender of:


18. 
A prospective homebuyer is interested in a home that will have a PITI payment of $1,800. His gross monthly income is $7,600. The buyer has long term debt payments of $1,420 per month. What is his back-end ratio?


19. 
On a $45,000 loan, the VA guarantee would be:


20. 
A seller insists on $280,000 as a sales price. The buyer can obtain an FHA loan of $270,000 but has only $6,000 down. The broker should:


21. 
Which of the following is not a characteristic of VA loans?


22. 
A lender who sells the loans it makes is likely:
23. 
The primary advantage that an FHA loan offers to an institutional lender over a conventional loan is:


24. 
A broker aided a buyer in the preparation of fraudulent income statements in order to qualify for a bank loan. This would:


25. 
A construction loan would most likely be made by:


26. 
An advantage of FHA financing to the buyer is:
27. 
A substantial down payment in real estate:
28. 
Title is held under a CALVET loan by:


29. 
A borrower has a gross monthly income of $3,400. The borrower wishes to obtain a loan in which the mortgage payment including taxes and insurance will be $950. The borrower is making long term debt payments of $350 per month. The back-end ratio would be:


30. 
Mutual savings banks are located primarily in the __ part of the United States.
31. 
Albert lost his job but his house payments were made for him because he had a:


32. 
Which of the following is corect?


33. 
Which of the following is true?
34. 
The function of Ginnie Mae do not include:


35. 
In considering the liquidity of its mortgage portfolio, a lender would be realating to:


36. 
Which of the following is not a general characteristic of loan broker-arranged secondary financing?


37. 
William, whose credit is good, wants to buy a small business. He is a good customer of the bank where he heeps his account. The business he wants to buy is a reasonable one to make money. Who will most likely be the lender?


38. 
Title I FHA loans:
39. 
Which of the following is true?


40. 
Which of the following is not a description of FHA loans?


41. 
A borrower obtained a haft-million dollar home purchase loan at a low rate without a down payment. He likely went to:


42. 
The term impounds refers to:


43. 
The highest interest rate is most likely to be charged by:


44. 
A borrower has a gross monthly income of $3,400. The borrower wishes to obtain a loan in which the mortgage payment including taxes and insurance will be $950. The front-end ratio would be:


45. 
As to loan brokers, which of the following is true?
46. 
Which type of property has the highest loan-to-value ratio?


47. 
CALVET loans are made from:


48. 
A lender on a note signed by multiple borrowers would prefer that their liability be:


49. 
A broker should direct a buyer on an offer contingent on an FHA loan to:


50. 
FICO refers to:
51. 
A number of people wish to invest money only in a real estate project but wish to limit their liability. They would form a:


52. 
Disintermediation refers to:


53. 
The major purpose for which the Federal National Mortgage Association (FNMA) was created was to:


54. 
Which loan is available for registered domestic partners?
55. 
A lending institution might make a government-insured or goverment guaranteed loan rather than a conventional loan at higher interest because of:


56. 
In buying a home for rental use, a borrower would not obtain:


57. 
After a borrower pays off a CALVET loan by:


58. 
A veteran wishes to refinance her home with a VA loan. The lender is willing but insists on 31/2 points.


59. 
If appraisal on a VA loan is less than the purchase-price agreement:


60. 
The amount of a VA loan is limited to:


61. 
Their loans are all variable rate. What agency is this?


62. 
"It is now operating under a conservatorship" describes:


63. 
FHA mortgage insured loans are made by:
64. 
A CALVET/VA loan differs from other CALVET loans in that it can be obtained:


65. 
Insurance companies, in givin real estate loans:
66. 
A government agency that issues mortgage-backed securities would be:


67. 
An advantage of FHA financing is not that it:


68. 
Under federal law, a real estate trust must have:
69. 
The source of money for most home loans by institutional lenders is:


70. 
Rental housing loans are available through:


71. 
A veteran is purchasing a home under the California Veterans Farm and Home Purchase Program. Who would be designated the grantee in the grant deed given by the seller?


72. 
A CRV would be needed for a(n) ___ loan.


73. 
As to mortgage brokers and mortgage bankers, which of the following is true?
74. 
A prospective homebuyer is interested in a home that will have a PITI payment of $1,800. His gross monthly income is $7,600. What is his front-end ratio?


75. 
Both FHA and VA loans cover:
76. 
In evaluating a man's income for a loan, the least weight would be given to:


77. 
An advantage of a government-insured loan compared with a conventional loan would not be a:


78. 
The property is usually in close proximity; small loans and business loans are preferred; and the past record of the customer is important. What type of lender does the preceding description represent?