Loan to value ratio ltv Study guides, Class notes & Summaries
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Texas Principles of Real Estate 2 - Champions Exam Questions with correct Answers
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appraisal - ANSWER-defined as an appraiser's opinion of value. 
 
Loan-to-Value Ratio (LTV) - ANSWER-is the percentage of value or sales price that a lender is willing to finance. 
 
Principle of Substitution - ANSWER-According to this principle, a commodity's value is influenced by the cost of acquiring a substitute or comparable item. 
 
Principle of Regression - ANSWER-The presence of lower-priced properties in the area will cause a decline in the value of the subject property. 
 
Principle o...
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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Champions Real Estate Finance Final Exam With Correct Answers 2024
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Champions Real Estate Finance Final 
Exam With Correct Answers 2024 
Loan-to-Value Ratio (LTV) -CORRECT ANSWER-The percentage of the lesser of the 
appraised value or sales price that the lender will lend. 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 
80% of the sales price or appraised value, whichever is lower. 
Package Mortgage -CORRECT ANSWER-Includes both real and personal property ( 
fixtures and furnishings) 
Blanket Mortgage -CORRECT ANSWER...
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Champions Principles of Real Estate 2 Exam Questions with Correct Answers
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Champions Principles of Real Estate 2 Exam Questions with Correct Answers 
appraisal - ANSWER value of a property maybe affected by social, economic, govt and environmental influences 
 
Loan-to-Value Ratio (LTV) - ANSWER The percentage of value or sales price that a lender is willing to finance. 
 
limited appraisal report - ANSWER exterior only/drive by inspection. deemed as low risk loan 
 
highest and best use of property - ANSWER legal use that gives the gre...
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Champions Principles of Real Estate 2 questions with correct answers
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appraisal CORRECT ANSWER value of a property maybe affected by social, economic, govt and environmental influences 
 
Loan-to-Value Ratio (LTV) CORRECT ANSWER The percentage of value or sales price that a lender is willing to finance. 
 
limited appraisal report CORRECT ANSWER exterior only/drive by inspection. deemed as low risk loan 
 
highest and best use of property CORRECT ANSWER legal use that gives the greatest return 
 
Principal of Contribution CORRECT ANSWER cost does not equal value 
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Champions Real Estate Finance graded A+ already passed 2023
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Champions Real Estate Finance graded A+ already passed 2023Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers ...
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Champions Principles of Real Estate 2
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appraisal - Answer- value of a property maybe affected by social, economic, govt and environmental influences 
 
Loan-to-Value Ratio (LTV) - Answer- The percentage of value or sales price that a lender is willing to finance. 
 
limited appraisal report - Answer- exterior only/drive by inspection. deemed as low risk loan 
 
highest and best use of property - Answer- legal use that gives the greatest return 
 
Principal of Contribution - Answer- cost does not equal value 
 
Residential Mortgage Lo...
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Champions real estate finance Exam Questions with Verified Answers
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mortgage Broker - Answer- Functions as a middleman between the borrower and the lender, negotiating, selling or arranging loans to be delivered to large investors 
 
Mortgage Banker - Answer- Provide their own funds for the purpose of providing mortgage financing 
 
Correspondent Lender - Answer- Smaller in scale then mortgage bankers or brokers, these lenders typically extended loans with their own funds at their own risk 
 
Origination - Answer- The process of creating a new mortgage loan 
 
U...
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Champions Real Estate Finance | 188 Questions and Answers 100% Correct
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Champions Real Estate Finance | 188 Questions and Answers 100% Correct
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SOMB II Practice Test | questions and answers with complete solution
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SOMB II Practice Test | questions and answers with complete solution 
 
When refinances as a percentage of total originations rise, does profitability at large banks tend to rise or to fall? - Fall 
What are the top three Mortgage lender's main sources of income? - - Fees negotiated at origination 
- Gain on sale 
- Interest Income 
Interest income earned at the note rate from the date a loan closes until it is sold belongs to? - The lender 
Which type of loan sale generates the most revenue...
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