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UST Test Questions with Correct Answers
UST Test Questions with Correct Answers A mortgage broker is prohibited from recording a mortgage or deed of trust for which the backing money is not immediately available to the mortgagor, unless: (A) the broker gets written authorization from the superintendent (B) before recording the mortgage or deed, the broker notifies the mortgagor of a definite date when the payment will be made and gets written permission from the mortgagor (C) the broker gets written permission from the escrow ag...
- Exam (elaborations)
- • 5 pages •
UST Test Questions with Correct Answers A mortgage broker is prohibited from recording a mortgage or deed of trust for which the backing money is not immediately available to the mortgagor, unless: (A) the broker gets written authorization from the superintendent (B) before recording the mortgage or deed, the broker notifies the mortgagor of a definite date when the payment will be made and gets written permission from the mortgagor (C) the broker gets written permission from the escrow ag...
UST Study Questions with All Correct Answers
UST Study Questions with All Correct Answers The regulations to enforce compliance of underground storage tank systems in the state are found in? a.) Code of Federal Regulations, 40 CFR Part 281 b.) California Code of Regulations, Title 23, Chapter 16 c.) Code of Federal Regulations, 40 CFR Part 280 d.) California Code of Regulations, Title 23, Chapter 17 - Answer-b.) California Code of Regulations; Title 23, Chapter 16 By definition an "underground storage tank system" includes a....
- Exam (elaborations)
- • 42 pages •
UST Study Questions with All Correct Answers The regulations to enforce compliance of underground storage tank systems in the state are found in? a.) Code of Federal Regulations, 40 CFR Part 281 b.) California Code of Regulations, Title 23, Chapter 16 c.) Code of Federal Regulations, 40 CFR Part 280 d.) California Code of Regulations, Title 23, Chapter 17 - Answer-b.) California Code of Regulations; Title 23, Chapter 16 By definition an "underground storage tank system" includes a....
UST Inspector Quiz Questions with Correct Answers
UST Inspector Quiz Questions with Correct Answers How long does an owner have to fix a significant violation that does not pose an imminent threat to human health and safety or environment before being issued a red tag? a) 24 hours b) 48 hours c) 7 days d) 30 days - Answer-c) 7 days; CCR 2717.1(b) Which one of the following can perform ELD? a) licensed tank tester b) licensed state contractor c) ICC certified service technician d) Professional Engineer - Answer-a) licensed tank teste...
- Exam (elaborations)
- • 7 pages •
UST Inspector Quiz Questions with Correct Answers How long does an owner have to fix a significant violation that does not pose an imminent threat to human health and safety or environment before being issued a red tag? a) 24 hours b) 48 hours c) 7 days d) 30 days - Answer-c) 7 days; CCR 2717.1(b) Which one of the following can perform ELD? a) licensed tank tester b) licensed state contractor c) ICC certified service technician d) Professional Engineer - Answer-a) licensed tank teste...
UST Exam Questions with Correct Answers
UST Exam Questions with Correct Answers A loan primarily for personal, family or household use that is secured by a mortgage or deed of trust is a(n) - Answer-residential mortgage loan. Which of the following individuals must be licensed as a loan originator? - Answer-A licensed attorney who works part time for compensation with a lender originating loans. In order to be licensed as a mortgage loan originator, an individual must - Answer-an applicant must complete the required prelicense ...
- Exam (elaborations)
- • 4 pages •
UST Exam Questions with Correct Answers A loan primarily for personal, family or household use that is secured by a mortgage or deed of trust is a(n) - Answer-residential mortgage loan. Which of the following individuals must be licensed as a loan originator? - Answer-A licensed attorney who works part time for compensation with a lender originating loans. In order to be licensed as a mortgage loan originator, an individual must - Answer-an applicant must complete the required prelicense ...
UST Actual Exam Questions and Correct Answers
UST Actual Exam Questions and Correct Answers Licensed MLOs may work for how many entities? - Answer-only 1 How long after an MLO fails to maintain a valid license must they retake the test? - Answer-5 years What is the maximum amount of insurance an originator can require a borrower to obtain on his/her home? - Answer-Replacement cost of the home In order to obtain an MLO license, all of the following are required as part of the licensing process except? - Answer-Business reference ...
- Exam (elaborations)
- • 2 pages •
UST Actual Exam Questions and Correct Answers Licensed MLOs may work for how many entities? - Answer-only 1 How long after an MLO fails to maintain a valid license must they retake the test? - Answer-5 years What is the maximum amount of insurance an originator can require a borrower to obtain on his/her home? - Answer-Replacement cost of the home In order to obtain an MLO license, all of the following are required as part of the licensing process except? - Answer-Business reference ...
UST 2024 Test Questions with All Correct Answers
UST 2024 Test Questions with All Correct Answers Anne is a loan processor, which of the following would not be an action she could perform without an MLO license? - Answer-Discuss the interest rate lock with the borrower is the receipt, collection and distribution of information for the processing or underwriting of a loan in the mortgage industry and communication with a consumer to obtain information necessary for the processing or underwriting of a residential mortgage loan. - Answer-A...
- Exam (elaborations)
- • 5 pages •
UST 2024 Test Questions with All Correct Answers Anne is a loan processor, which of the following would not be an action she could perform without an MLO license? - Answer-Discuss the interest rate lock with the borrower is the receipt, collection and distribution of information for the processing or underwriting of a loan in the mortgage industry and communication with a consumer to obtain information necessary for the processing or underwriting of a residential mortgage loan. - Answer-A...
The SAFE Act creates standard guidelines for state legislation to regulate loan originators. In order to meet the standards established under the SAFE Act, state licensing laws must include: - Answer-licensing requirements. effective supervision of those
UST 2016 Exam Questions with Correct Answers The SAFE Act creates standard guidelines for state legislation to regulate loan originators. In order to meet the standards established under the SAFE Act, state licensing laws must include: - Answer-licensing requirements. effective supervision of those who are licensed. a program for enforcement of the law. Under SAFE Act standards, effective supervision by a state regulator includes: - Answer-participating in the NMLS; writing rules and reg...
- Exam (elaborations)
- • 24 pages •
UST 2016 Exam Questions with Correct Answers The SAFE Act creates standard guidelines for state legislation to regulate loan originators. In order to meet the standards established under the SAFE Act, state licensing laws must include: - Answer-licensing requirements. effective supervision of those who are licensed. a program for enforcement of the law. Under SAFE Act standards, effective supervision by a state regulator includes: - Answer-participating in the NMLS; writing rules and reg...
USAA unit 3 Exam Questions with Correct Answers
USAA unit 3 Exam Questions with Correct Answers Property Insurance - Answer-Covers damage to property, such as a home. Casualty Insurance - Answer-Casualty= liability Always pay the other guy, never me Third party Policy Sections (DICEE) - Answer-Declarations Insuring Conditions Endorsement Exclusions Additional/Supplementary Coverage - Answer--Payment for additional expenses not normally covered -May have separate limit of insurance Insureds - Answer-Named insured- in the decl...
- Exam (elaborations)
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USAA unit 3 Exam Questions with Correct Answers Property Insurance - Answer-Covers damage to property, such as a home. Casualty Insurance - Answer-Casualty= liability Always pay the other guy, never me Third party Policy Sections (DICEE) - Answer-Declarations Insuring Conditions Endorsement Exclusions Additional/Supplementary Coverage - Answer--Payment for additional expenses not normally covered -May have separate limit of insurance Insureds - Answer-Named insured- in the decl...
USAA Practice Test Questions with Correct Answers
USAA Practice Test Questions with Correct Answers What type of reinsurance contract involves two companies automatically sharing their risk exposure? - Answer-treaty A group-owned insurance company that is formed to assume and spread the liability risks of its members is known as a - Answer-risk retention group What is the name of the law that requires insurers to disclose information gathering practices and where the information was obtained? - Answer-Fair Credit Reporting Act The s...
- Exam (elaborations)
- • 20 pages •
USAA Practice Test Questions with Correct Answers What type of reinsurance contract involves two companies automatically sharing their risk exposure? - Answer-treaty A group-owned insurance company that is formed to assume and spread the liability risks of its members is known as a - Answer-risk retention group What is the name of the law that requires insurers to disclose information gathering practices and where the information was obtained? - Answer-Fair Credit Reporting Act The s...
USAA P&C Insurance Adjuster Exam Questions and Answers
USAA P&C Insurance Adjuster Exam Questions and Answers Perils - Answer-Causes of loss identified in the policy (Fire, lightening, internal explosion ,Wind, Hail, Collision) Hazard - Answer-Condition that create or increases the chance or loss or contributes to the loss Physical Hazard - Answer-Visible ( operational features of a risk) Moral Hazard - Answer-Intentional dishonesty or illegal actions of a person (arson) Morale Hazard - Answer-Carelessness or indifference ( attitude). ...
- Exam (elaborations)
- • 8 pages •
USAA P&C Insurance Adjuster Exam Questions and Answers Perils - Answer-Causes of loss identified in the policy (Fire, lightening, internal explosion ,Wind, Hail, Collision) Hazard - Answer-Condition that create or increases the chance or loss or contributes to the loss Physical Hazard - Answer-Visible ( operational features of a risk) Moral Hazard - Answer-Intentional dishonesty or illegal actions of a person (arson) Morale Hazard - Answer-Carelessness or indifference ( attitude). ...
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