Does the borrower Study guides, Class notes & Summaries
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![SOMB II Practice Test | questions and answers with complete solution](/docpics/3541808/651abd3bcd00d_3541808_121_171.jpeg)
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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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NATIONAL REAL ESTATE EXAM PRACTICE TEST ALREADY PASSED
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NATIONAL REAL ESTATE EXAM PRACTICE TEST ALREADY PASSED 
In most cases, broker compensation, as a percentage of home price, falls somewhere between: 5-7% 
A Christian organization owns a fourplex. It wants to rent to only Christian tenants. Under the federal Fair Housing Act, is this legal? Yes. Religious organizations which rent to tenants for residential purposes are exempt from the Fair Housing Act 
What happens to trade fixtures after a business moves out of a leased property? The tenant remo...
![Arizona Life Insurance Exam Questions and Answers (Latest Update 2023) Verified Answers](/docpics/4009071/657829c7614df_4009071_121_171.jpeg)
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Arizona Life Insurance Exam Questions and Answers (Latest Update 2023) Verified Answers
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Arizona Life Insurance Exam 
Questions and Answers 
(Latest Update 2023) 
Verified Answers 
a whole life policy that provides a choice of dividend options include the 
following statement about dividends they accrue at a guaranteed rate 
they are deferred for one year they are not guaranteed they are guaranteed 
after the first year - Correct Answers they are not guaranteed 
When there is a named beneficiary on a life insurance policy, the death 
benefits 
1. are directed to a trustee ...
![CRU Exam 1 | 120 Questions | 100% Correct Answers](/docpics/63eac38d438f5_2368382.jpg)
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CRU Exam 1 | 120 Questions | 100% Correct Answers
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Select all that apply. Which of the following fields can be used to search for a loan in 
Loan Product Advisor (LPA)? - -Property Address 
-AUS Transaction Number 
-Borrower Last name 
-Fannie Mae ID 
All 
The opportunity to utilize streamlined appraisal is lost if the lender fails to submit an 
accurate address for the subject property to Desktop Underwriter (DU). - False* 
What is the primary role of the GSEs, Fannie Mae and Freddie Mac? - Buy 
mortgages and create mortgage-backed securities 
...
![NMLS Safe Test Mortgage Licensing Practice Exam with 100% correct answers 2022-23](/docpics/6385e81b868bd_2141684.jpg)
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NMLS Safe Test Mortgage Licensing Practice Exam with 100% correct answers 2022-23
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Which federal law requires that the Loan Estimate be provided to the borrower within 
three business days of the time of loan application is taken? - ANSWER-TILA 
What type of scam entails homeowners who are encouraged to refinance their property 
over and over until little or no equity remains? - ANSWER-Loan flipping or churning 
After a loan closing, funds are disbursed. When are the funds disbursed for an owneroccupied, residential refinance? - ANSWER-After 3 business-day rescission period 
W...
![California property and casualty exam, Pool Questions & Answers. Verified. Rated A](/docpics/63dd5810dd087_2333246.jpg)
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A 
 
 
 
The process where by a mutul insurer becomes a stock company is called - Demutalization 
 
The process whereby a stock company a mutal insurer is called - Mutalization 
 
The provision in a property policy which states that the insured has been paid up to their insurable interest is - Valuation clause 
 
The part of the policy that states the amout of coverage the insured property policy period is - Declara...
![Florida Real Estate STATE exam Questions and Answers 100% Pass](/docpics/642cafb798600_2554489.jpg)
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Florida Real Estate STATE exam Questions and Answers 100% Pass
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Florida Real Estate STATE exam Questions and Answers 100% Pass 
The best protection that the public has during a Real Estate transaction is (are) 
A. The national and state association of REALTORS 
B. The punishment of licensees dealing dishonesty 
C. the high ethical standards of real estate agents D. FREC and the license law D. FREC and the license law 
A group license 
A. allows a broker to have a branch office 
B. allows a sales associate to work for more than one broker 
C. may be held by a...
![USAREUR Practice Exam questions and answers 100% correct](/docpics/636dff60a6f7b_2097705.jpg)
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USAREUR Practice Exam questions and answers 100% correct
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For registration purposes, the insurance policy cannot substitute for the insurance confirmation 
card as proof of automobile insurance under German law and U.S. Forces regulations. (para 33e(3)) 
 
a. True. 
b. False. 
True 
 
 
 
License plates issued to drivers by the Registry of Motor Vehicles automatically become the driver's property. (para 33c(1)(a)) 
 
a. True. 
b. False. 
False 
 
 
 
The driver of a registered motor vehicle is required to observe which of the following with respect to...
![HECM Practice Exam 2023 Questions and Answers](/docpics/63bb222e60e34_2235028.jpg)
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HECM Practice Exam 2023 Questions and Answers
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The HECM Saver was introduced as an option to lower the upfront cost of a HECM by reducing the upfront mortgage insurance premium to: 
a. 0. 
b. 0.01% of the Maximum Claim Amount. 
c. 1% of the Maximum Claim Amount. 
d. 1.25% of the Maximum Claim Amount. - ANSWER-b 
 
If repairs are required but can be completed after closing, the lender will create a repair set-aside in the amount of: 
a. 15% of the maximum claim amount. 
b. 100% of the actual cost of repairs. 
c. 100% of the estimated cost of...
![HUD Certification Exam with 100% Correct Answers 2023](/docpics/63d13571c3a1b_2299202.jpg)
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HUD Certification Exam with 100% Correct Answers 2023
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Deed Restrictions - Correct answer-Legally enforceable terms that govern the use of 
real estate 
Redlining - Correct answer-The practice of refusing to make residential loans or 
imposing more onerous terms on any loans made because of the predominant race, 
color, national origin, religion, sex, disability, or familial status of the area's residents. 
Civil Rights Act of 1968 - Correct answer-Following the assassination of Dr. Martin 
Luther King Jr., Congress passed what monumental piece of ...
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