Who oversees respa - Study guides, Class notes & Summaries
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RealestateU Texas Real Estate Finance Questions With Complete Solutions 100%Solved
- Exam (elaborations) • 25 pages • 2024
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RealestateU Texas Real Estate Finance Questions With Complete Solutions 100%Solved 
 
The economy generally grows when which of the following occurs...? 
 
There is an increase in the money supply 
There is a decrease in the money supply 
When the money supply remains even 
A decrease in the population - correct answer...There is an increase in the money supply 
 
Money that is easily obtainable is considered...? 
 
M1 
M2 
M3 
M4 - correct answer...M1 
 
The supply of less liquid money is consi...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2023
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NMLS Laws and Regulations Latest Updated 2022 Rated A CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. •Educates borrowers costs of loan • Eliminates kickbacks and referral fees (section 8) • Establishes...
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HUD Housing Counselor Module 4.1 & 4.2 Questions and Answers
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A potential homebuyer with a minimal savings for a down payment and a low credit score is most likely to qualify for which mortgage? 
 
- United States Department of Agriculture (USDA) 
- Federal Housing Administration (FHA) 
- Fannie Mae 
- Freddie Mac - Answer- Federal Housing Administration (FHA) 
 
Which is the most significant benefit of using a real estate agent? 
 
- Marketing the home online 
- Obtaining a home inspection 
- Paying the sales commission 
- Negotiating the sale - Answer- N...
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New York State Real Estate Salesperson Licensing Exam Questions and Answers 100% Pass
- Exam (elaborations) • 11 pages • 2023
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New York State Real Estate Salesperson Licensing Exam Questions and Answers 100% Pass In NYS, how old must one be to enter into contracts? 18 
What other capability should they possess? Mental and emotional capability 
What happens if one of the parties to the contract is a minor? The contract is voidable by the minor 
What does the zoning board of appeals do? Grants variances 
What regulates construction standards in NYS? Building codes 
What does municipal engineer's office do? Oversees plann...
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MLO PRACTICE QUESTIONS with complete solutions
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URAR is the acronym for: 
1. Uniform Residential Appraisal Report 
2. Uniform Real Estate Appraisal Report 
3. Universal Residential Appraisal Report - ANSWER-Correct answer is: 1 
Uniform Residential Appraisal Report 
 
PR is the generally accepted acronym for: 
1. Premium Title Report 
2. Present Time Reclamation Association 
3. Preliminary Title Report 
4. Preliminary Tax Report - ANSWER-Correct answer is: 3 
Preliminary Title Report 
 
PMI is the acronym for : 
1. Preliminary Mortgage Invest...
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HUD Exam- Homeownership Questions and Answers
- Exam (elaborations) • 8 pages • 2023
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Which factor is best for housing counselors to use when determining how much a client can afford to spend on purchasing a home? 
A. Debt to-income ratios 
B. Annual gross income 
C. Savings 
D. Options A, B, C 
E. None of the above - Answer- D. Options A, B, and C 
 
A person or company that makes loans for real estate purchases. "Loan officer" is a related term that refers to a representative of a lending or mortgage company who is responsible for soliciting homebuyers and for qualifying and...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2022
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NMLS Laws and Regulations Latest 
Updated 2022 Rated A 
CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & 
homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates kickbacks and referral fees (section 8) 
• Estab...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2022
-
- $13.49
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CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & 
homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates kickbacks and referral fees (section 8) 
• Establishes rules for escrow 
What Regulation is RESPA? Reg X...
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AZ NMLS Test Questions and Answers Already Passed
- Exam (elaborations) • 51 pages • 2022
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NMLS Laws and Regulations Latest Updated 2022 Rated A CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. •Educates borrowers costs of loan • Eliminates kickbacks and referral fees (section 8) • Establishes...
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Indiana Real Estate License Law Exam Questions and Correct Solutions
- Exam (elaborations) • 7 pages • 2023
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Client - A licensee has an agency relationship with, and is representing, the individual with whom the licensee is working. 
 
Customer - One with whom there is NO agency relationship. Ex People just calling for information or attending open house. 
 
Broker-salesperson or Associate Broker - A broker who COULD operate as a principle broker but CHOOSES to affiliate with a principal broker and operate under their license. 
 
In-House Agency - Individual agents represent both sides of t...
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