What does respa stand for Study guides, Class notes & Summaries
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![NMLS TEST-Affinity Exam Questions with Verified Answers](/docpics/5111526/662b48d1e2c78_5111526_121_171.jpeg)
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NMLS TEST-Affinity Exam Questions with Verified Answers
- Exam (elaborations) • 18 pages • 2024
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What law deals with credit, APR & Advertising of consumer loans? - Answer-TILA 
 
Which regulation prohibits kickbacks? - Answer-RESPA 
 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - Answer-HPA-Homeowners Protection Act 
 
Which Regulation prohibits fee splitting? - Answer-RESPA 
 
Regulation X is the letter used to describe which law? - Answer-RESPA 
 
RESPA is the acronym used to describe which law? - Answer-Real Estate Settlement Procedures Act 
 
What t...
![RESPA Exam Review Questions and answers, VERIFIED/ / 2024-25 Exam board exam predictions. APPROVED/](/docpics/4545784/65d3b5bb3e7bd_4545784_121_171.jpeg)
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RESPA Exam Review Questions and answers, VERIFIED/ / 2024-25 Exam board exam predictions. APPROVED/
- Exam (elaborations) • 6 pages • 2024
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RESPA Exam Review Questions and 
answers, VERIFIED/ 
What does RESPA stand for? - -Real Estate Settlement Procedures Act 
What regulation does RESPA fall under? - -Regulation X 
Define RESPA - -protects consumers by regulating cost and business arrangement disclosures. 
What loans does RESPA exempt? - -Agriculture 
Business 
Commercial 
Temporary 
Time share 
25 acres or more 
Who does RESPA impact? - -federally regulated mortgage loans are that secured by a first or 
subordinated lien on resi...
![NMLS TEST-Affinity 100% Correct Solved](/docpics/5658760/667015cdedb17_5658760_121_171.jpeg)
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NMLS TEST-Affinity 100% Correct Solved
- Exam (elaborations) • 26 pages • 2024
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NMLS TEST-Affinity 100% Correct Solved 
What law deals with credit, APR & Advertising of consumer loans? - Correct 
Answer️️ -TILA 
Which regulation prohibits kickbacks? - Correct Answer️️ -RESPA 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - 
Correct Answer️️ -HPA-Homeowners Protection Act 
Which Regulation prohibits fee splitting? - Correct Answer️️ -RESPA 
Regulation X is the letter used to describe which law? - Correct Answer️️ -RESPA...
![SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers](/docpics/5572995/6663287e81db7_5572995_121_171.jpeg)
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers
- Exam (elaborations) • 28 pages • 2024
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SAFE Mortgage Loan Originator Test - 
National Component with Uniform State 
Content Exam Questions With Verified 
Answers 
What does UST stand for? - answerUniform State Test 
Who does the CFPB protect? - answerThe Consumer Financial Protection Bureau protects 
consumers in the financial marketplace. 
What does the CFPB do? - answerCFPB is now in charge of implementing and enforcing 
most of the provisions of federal lending laws that relate to protecting consumers while they are 
shopping for,...
![FREC 1 Exam Questions & Answers 2023/2024](/docpics/3222945/64d428159e997_3222945_121_171.jpeg)
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FREC 1 Exam Questions & Answers 2023/2024
- Exam (elaborations) • 11 pages • 2023
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FREC 1 Exam Questions & Answers 2023/2024 
 
What does RESPA stand for? What does it mean? - ANSWER-Real Estate Settlement Procedures Act. Getting someone qualified 
 
Wha is real estate brokerage? - ANSWER-Real estate brokerage is the business of bringing together buyers and sellers and owners and renters and completing real estate transactions (paid a fee or a commission for services) 
 
5 major sales specialties - ANSWER-"Residential"- 4 or fewer residential units OR agricultural property o...
Mortgage Loan Originator Exam Latest Update...
![FREC 1 Questions & Answers | 100% Correct Answers | Verified | Latest 2024 Version](/docpics/5431339/665184b8e85d1_5431339_121_171.jpeg)
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FREC 1 Questions & Answers | 100% Correct Answers | Verified | Latest 2024 Version
- Exam (elaborations) • 11 pages • 2024
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FREC 1 Questions & Answers | 100% Correct 
Answers | Verified | Latest 2024 Version 
What does RESPA stand for? What does it mean? - Real Estate Settlement Procedures Act. Getting 
someone qualified 
 
Wha is real estate brokerage? - Real estate brokerage is the business of bringing together buyers and 
sellers and owners and renters and completing real estate transactions (paid a fee or a commission for 
services) 
 
5 major sales specialties - "Residential"- 4 or fewer residential units OR a...
Mortgage Loan Originator Exam Latest Update...
![NATIONAL FINANCE EXAM PREP | questions and answers 2023/24](/docpics/3558206/651d9c3f8ceed_3558206_121_171.jpeg)
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NATIONAL FINANCE EXAM PREP | questions and answers 2023/24
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NATIONAL FINANCE EXAM PREP | questions and answers 2023/24 
 
Advantages of Real Estate Investment: (3 things) - Above average rate of return 
Tax benefits 
Land can never be depreciated. 
Disadvantages of Real Estate Investment: (3 things) - Not highly liquid 
The purchaser of investment property must be prepared to "invest" for the long haul 
Market conditions are changing all the time. 
What is the total amount of money remaining after all expenditures have been paid including taxes, oper...
![NMLS Exam Review Questions and answers, VERIFIED// LATEST UPDATE [ EXAM PREDICTION QUIZZES]](/docpics/4558502/65d59e9153b4c_4558502_121_171.jpeg)
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NMLS Exam Review Questions and answers, VERIFIED// LATEST UPDATE [ EXAM PREDICTION QUIZZES]
- Exam (elaborations) • 7 pages • 2024
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NMLS Exam Review Questions and 
answers, VERIFIED/ 
-AfBA/ABA stands for? 
-What is it? - --Affiliated Business Arrangement 
-If referring client to another business of yours (1%) then you must disclose ASAP 
Other ways to say "Doc Signing" - --Loan consummation 
-Loan Settlement 
-Loan Closing 
What is an escrow account? - --account holding money for insurance/taxes 
-AKA "impound account" or "reverse account" 
-What's an MU4? 
-What are requirements? - --Individual application after NM...
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