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1.

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

2.

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?

3.

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

4.

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

5.

The primary advantage that an FHA loan offers to an institutional lender over a conventional loan is:

6.

A substantial down payment in real estate:

7.

The government is actually the lender of:

8.

An advantage of FHA financing to the buyer is:

9.

As to loan brokers, which of the following is true?

10.

"It is now operating under a conservatorship" describes:

11.

CALVET loans are made from:

12.

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?

13.

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

14.

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

15.

A buyer wishes to obtain a loan on a house and assume the bonded indebtedness. Which of the following would be true?

16.

Albert lost his job but his house payments were made for him because he had a:

17.

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: 18. A loan-t0-value ratio is best described as: 19. On a$45,000 loan, the VA guarantee would be:

20.

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

21.

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? 22. Mutual savings banks are located primarily in the __ part of the United States. 23. If appraisal on a VA loan is less than the purchase-price agreement: 24. The major purpose for which the Federal National Mortgage Association (FNMA) was created was to: 25. As to mortgage brokers and mortgage bankers, which of the following is true? 26. The function of Ginnie Mae do not include: 27. In California most of the real estate syndicates are: 28. Which of the following is not a description of FHA loans? 29. A lender who sells the loans it makes is likely: 30. An advantage of FHA financing is not that it: 31. 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? 32. In considering the liquidity of its mortgage portfolio, a lender would be realating to: 33. A lending institution might make a government-insured or goverment guaranteed loan rather than a conventional loan at higher interest because of: 34. A government agency that issues mortgage-backed securities would be: 35. After a borrower pays off a CALVET loan by: 36. Which of the following is true? 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. A lender on a note signed by multiple borrowers would prefer that their liability be: 39. Which of the following is an open-end loan? 40. Title I FHA loans: 41. Which of the following is true? 42. 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: 43. Which of the following is not a general characteristic of loan broker-arranged secondary financing? 44. Who pays for Mutual Mortgage Insurance? 45. Disintermediation refers to: 46. In evaluating a man's income for a loan, the least weight would be given to: 47. Life and disability insurance must be purchased by a borrower under a(n) ___ loan. 48. A veteran wishes to refinance her home with a VA loan. The lender is willing but insists on 31/2 points. 49. An advantage of a government-insured loan compared with a conventional loan would not be a: 50. The amount of a VA loan is limited to: 51. Which of the following loans is not available for the purchase of a farm? 52. Which loan is available for registered domestic partners? 53. A construction loan would most likely be made by: 54. Rental housing loans are available through: 55. Which type of property has the highest loan-to-value ratio? 56. The lender's best protection would be: 57. FICO refers to: 58. Insurance companies, in givin real estate loans: 59. 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:

60.

The source of money for most home loans by institutional lenders is:

61.

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

62.

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: 63. Both FHA and VA loans cover: 64. An insurance company is least likely to make a loan on a(n): 65. Which of the following is corect? 66. As a general rule, the difference between individual and institutional lenders is that individual lenders: 67. A low loan to value ratio would be indicative of: 68. The term impounds refers to: 69. FHA mortgage insured loans are made by: 70. A broker should direct a buyer on an offer contingent on an FHA loan to: 71. A CALVET/VA loan differs from other CALVET loans in that it can be obtained: 72. When are the premiums paid on the insurance for an FHA loan? 73. 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:

74.

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

75.

Title is held under a CALVET loan by:

76.

A buyer was able to get down payment assistance as well as a below market rate of interest. Where did she obtain this loan?

77.

Under federal law, a real estate trust must have:

78.

A mortgage loan correspondent would be regulated primarily by: