What is a lenders yield - Study guides, Class notes & Summaries
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Texas Real Estate Finance Final Exam Questions And Answers
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Why do lenders collect reserve funds at the property closing? 
 
A) To get a higher yield in their investment 
B) To be sure money will be available for tax and insurance purposes 
C) To have extra money that will accrue interest 
D) To hedge against increases in taxes or insurance premiums - Answer- B) To be sure money will be available for tax and insurance payments 
 
The cost recovery period for land improvements is how long? 
A) 15 years 
B) 25 years 
C) 27.5 years 
D) 30 years - Answer- A)...
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Financial Analysis
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1.	SHV	Share price + Dividends 2.	How do you in- crease Earnings Per Share (EPS)? Increase net income 3.	Revenues	-Sales -Goods or services sold 4.	Gross profit	-Gross income -Gross earnings -Gross margin 5.	Operating in- come 6.	Income before taxes (IBT) -Operating profit -Earnings before interest and tax (EBIT) -Income before interest and taxes (IBIT) -Earnings before taxes (EBT) -Profit before taxes (PBT) 7.	Net income (NI)	-Earnings after taxes (EAT) -Profit after t...
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Civil Law Missed Exam Questions And Answers 2024-2025
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Civil Law Missed Exam Questions And Answers 
Which is not a specific lien? - ANS-state income tax 
State income taxes can become general liens that can attach to any property owned by the debtor. A 
mortgage is specific to the property that will be collateral for a debt. Real estate taxes are specific to one 
property. A mechanic's lien can attach only to the property that was the subject of the work being done. 
Fee simple absolute estates are not - ANS-conditional 
If a condition exis...
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Prepxl Practice Test 6 Questions With Complete Solutions Rated A+
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Cindy bought a home and closed on a 6.0% rate for 30 years. The loan includes a payment feature that 
allows Cindy to make a $1,400/month payment for the first five years, and a $1,800/month payment for 
the remainder of the loan. What type of loan is this? 
- Variable 
- ARM 
- Option ARM 
- Fixed rate - Answer-Fixed rate. 
This loan is a fixed-rate loan (at 6% for 30 years). The payment example shows an interest-only feature 
for the first five years and then a fully-amortized payment for the ...
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Colorado Closings Review Exam /53 Questions and Answers
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What is the purpose of discount points? - It increases the yield to lenders 
How is the payoff of the seller's loan shown on the worksheet? - Debit to seller and credit to buyer 
What happens to items listed in B2 of the title commitment? - They appear as exceptions unless removed prior to closing 
Bill Buyer is purchasing Sam Seller's home and assuming the existing loan. The interest on the loan is $1200 paid in arrears. The closing is March 1, 2009. How is the interest shown on the Worksheet...
And that's how you make extra money
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Florida Real Estate Lic Exam 13-14 with complete verified solutions
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Each discount point paid to the lender will increase the lender's yield (return) by approximately 1/8 of 1 percent. 
TRUE. Florida statute requires that the mortgagee send the recorded satisfaction to the mortgagor within 60 days. 
 
 
 
State-chartered commercial banks must display the word "National" somewhere in their name. 
FALSE. Commercial banks chartered by the federal government must display the word "National" or the initials "N.A." somewhere in their name. 
 
 
 
Deposit account...
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Bloomberg Concept Questions and Answers Already Passed
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Bloomberg Concept Questions and 
 
Answers Already Passed 
 
A rise in which of the following inputs will increase an absolute valuation? Earnings 
estimates 
 
A rise in which of the following measures would typically send a government bond price up? 
Creditworthiness 
 
A wedding planning company has a high fixed-cost base and a lot of debt. Who would you rather 
be? A shareholder in a booming economy. 
 
As a general rule, what percentage of debt to GDP will make a government's bond yields s...
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Florida Real Estate Lic Exam 13-14 with complete verified solutions
- Exam (elaborations) • 10 pages • 2024
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Each discount point paid to the lender will increase the lender's yield (return) by approximately 1/8 of 1 percent. 
TRUE. Florida statute requires that the mortgagee send the recorded satisfaction to the mortgagor within 60 days. 
 
 
 
State-chartered commercial banks must display the word "National" somewhere in their name. 
FALSE. Commercial banks chartered by the federal government must display the word "National" or the initials "N.A." somewhere in their name. 
 
 
 
Deposit account...
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REAL 4000 UGA Questions and answers
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Recourses of foreclosure - borrower can come back through 
- equity of redemption 
-statutory 
The possibility that the actual outcome will vary from what was expected when the asset was purchased. 
- Risk 
fixed amount of money paid or received at the end of every period - Ordinary annuity 
future cash inflow or outflow occurring only once - lump sum payment 
What are the four time Value of money operations - Compounding Operations 
1. Future value of a lump sum 
2. Future value of an annuity 
...
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Texas Principles of Real Estate 2 Exam| Complete Guide with Questions and Verified Answers| Already Grade A| 2023/ 2024 New Updated
- Exam (elaborations) • 88 pages • 2023
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Texas Principles of Real Estate 2 Exam| 
Complete Guide with Questions and Verified 
Answers| Already Grade A| 2023/ 2024 New 
Updated 
 
QUESTION 
What does a buyer receive until the debt is fully paid in case of installment land sales contract? 
 
Answer: 
 Equitable title 
 
 
QUESTION 
What type of loan is considered an expandable one? 
 
Answer: 
 Open-end 
 
 
 
QUESTION 
When a buyer borrows from the seller in addition to the lender, this is known as what? 
 
Answer: 
 Purcha...
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