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- Under the SAFE Act, which of the following businesses will need to have a licensed mortgage loan originator on staff? A) A title company that closes mortgage loans B) A manufactured home seller that takes applications for financing C) A mortgage servicing company that engages in modifications for the loans that it is servicing D) A real estate agency that collects information on buyers to see if they will qualify for a mortgage loan but that does not send that information to a lenderWhich of the following actions should a mortgage loan originator take after discovering that a borrower has financed an automobile from a dealership that does not report loans to credit reporting agencies? A)Advise the borrower that there is no need to list the obligation on the loan application because the B) obligation is not shown on the borrower's credit report B) Advise the borrower to contact the dealership and request a letter stating that the loan is paid in full D) Advise the borrower to include the obligation on the loan application (D O Wait for the mortgage loan underwriter to discover the obligation (Accidental Dealh and Dismemberment (AD&D) coverage provides benefits for dealh or dismemberment due to A.suicide only B.unexpected injury only C.dread disease only D.any cause
- A preparer e-file hardship waiver might be granted for which of the following reasons? • A) The preparer is in a Presidentially Declared Disaster Area B) The preparer does not have software that would facilitate e-file C) The preparer believes the e-file program is a government conspiracy to spy on citizens D) The preparer doesn't want to participate in e-fileWhich of the following is a lawful statement in mortgage loan advertising? A)" We will refinance your home at no cost if you refer your clients to us." B) "You have been preapproved for a fixed-rate loan, so call us today.* C) "Make your clients' purchase offers more competitive with a preapproval letter from us. D) "For every friend you send to us who closes a loan, we will give you a $100 gift card.*A)Essentially, there are four major categories of endorsements. They are: Group of answer choices a)primary, secondary, tertiary and quaternary. b)local, foreign, alien, and mixed. c)donative, creditory, incidental, and mixed. d)blank, special, qualified, and restrictive. B)The words "for deposit only" as part of an endorsement are: Group of answer choices a)blank endorsements. b)special endorsements. c)restrictive endorsement. d)two of the above.
- Which of the following is the least important reason for requiring that insurance agents be licensed? A) To establish and maintain high professional and ethical standards B) To protect the public C) To give the government adequate control over the conduct of agents D) To provide additional income to the government through license feesA real estate brokerage advertises specifically for buyer who wish to purchase using VA loans. Do these advertisements violate veterans’ rights or the advertising rules of the Federal Fair Housing Act? Yes, because such advertising falsely implies that only military veterans can qualify for purchase Yes, because such advertising discriminates against individuals who have not served in the military No, because brokers are entitled to direct property advertisements to any specific segment of the population No, because veterans from all protected classes can qualify for VA loansCan the answer please be linked to the article, i did not pay a subscription whereby i do not get proper answers
- Which one (1) of the following types of loss or expense is covered under Section I of the Tenants Comprehensive policy? OA) Assessments levied by the landlord to pay for damage caused by tenants to those areas of the premises which they all use. OB) At the insured's option, damage to the portion of the dwelling occupied by the insured as a private residence caused by theft or attempted theft. OC) Fire damage to the dwelling caused by another tenant. OD) Moving expenses incurred by cancellation of the lease agreement resulting from the occurrence of one of the insured perils.After viewing Red Cross ads about giving blood, Amanda donated a pint of blood at the local Red Cross office. Amanda felt that she had performed a good deed. Was this a marketing exchange:a.) no, because the Red Cross is non-profit organization.b.) yes, because the Red Cross ran an advertisement.c.) no, because the Red Cross did not provide Amanda with a product.d.) yes, because the donated blood was exchanged for a feeling of satisfaction.The provisions of the Real Estate License Law apply to which of the following individuals? A. a regular employee of a property owner who conducts lease transactions on the property O.B. a licensed person who for a fee receives a referral from a licensed broker ⒸC. a property manager who handles the sale of units within a managed condominium complex OD. salespersons who sell their primary residences