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XINNIX FINAL EXAM LATEST 2024 WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS/ALREADY GRADED A+ 100% GUARANTEED TO PASS CONCEPTS(ALL WHAT YOU NEED) LATEST EDITION 2024 26,90 €
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XINNIX FINAL EXAM LATEST 2024 WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS/ALREADY GRADED A+ 100% GUARANTEED TO PASS CONCEPTS(ALL WHAT YOU NEED) LATEST EDITION 2024
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XINNIX
XINNIX FINAL EXAM LATEST 2024 WITH ACTUAL QUESTIONS
AND CORRECT VERIFIED ANSWERS/ALREADY GRADED A+
100% GUARANTEED TO PASS CONCEPTS(ALL WHAT YOU
NEED) LATEST EDITION 2024
xinnix final exam latest 2024 with actual question
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XINNIX FINAL EXAM LATEST 2024 WITH ACTUAL QUESTIONS
AND CORRECT VERIFIED ANSWERS/ALREADY GRADED A+
100% GUARANTEED TO PASS CONCEPTS(ALL WHAT YOU
NEED) LATEST EDITION 2024
A borrower paid semi-monthly and a borrower paid bi-weekly have the same
number of pay periods per year - ANSWER-False
FHA Case Numbers are tied to the property, not the borrower. - ANSWER-True
Judgments and tax liens are required to be paid off at or prior to loan closing.
(FNMA/FHLMC) - ANSWER-True
Unreimbursed business expenses can be located on Form 2106 of a borrower's
personal tax return. - ANSWER-True
HOA dues are included in the PITI calculation - ANSWER-False
A borrower's brother would like to give her money to help towards the down
payment of her new house. This would be considered.... - ANSWER-A gift from
a relative and would require a gift letter, as well as proof that the funds have
been transferred to the borrower's account.
,On an FHA loan the upfront MIP should be included when calculating cash-to-
close. - ANSWER-False
The borrower must have 5% of their own funds when putting 15% down on a
primary residence. (FNMA) - ANSWER-False
A 3-Year ARM adjusts every 3 years - ANSWER-True
A Loan Officer can locate the summary of the eligibility requirements for a loan
to be sold to a specific lender/investor in the lender specs. - ANSWER-False
A HELOC loan has an interest only payment - ANSWER-True
VA sets their own maximum loan limits. - ANSWER-False
The monthly MI for an FHA loan is calculated by BASE Loan Amount x .85% /12
- ANSWER-True
Redisclosure of the Truth in Lending is required if the PAR changes more than
_____% on a fixed rate loan? - ANSWER-.125
If a veteran has previously used their VA entitlement and it has not yet been
restored, their COE may show an available amount which is less that the VA
maximum allowable entitlement - ANSWER-True
A room addition is allowed under the FHA 203(k) Limited program. - ANSWER-
False
, The maximum allowable ratios for an owner-occupant when using a non-
occupant co-borrower per FHLMC guidelines is ______________. - ANSWER-
35/43
A borrower is considering a 1-year ARM with a note rate of 4.25%, 2/6 caps and
a margin of 2.5%. What would the borrower's interest rate be for year 2 if the
index is at 4.25%? - ANSWER-6.25%
The builder must provide an appraisal certificate to the mortgage company on
an FHA new construction loan prior to closing. - ANSWER-False
All of the following documents must be provided by the builder to the
mortgage company on an FHA new construction loan prior to the loan being
cleared to close EXCEPT: - ANSWER-Appraisal Certificate
MUST BE PROVIDED: Certificate of Occupancy, Builder's 1-Year Warranty,
Insulation Certificate
After the borrower submits a complete loan application, the LE must be
delivered or placed in the mail within how many days? - ANSWER-3 business
days
Which document is not necessary for the builder provide to the mortgage
company on an FHA new construction loan prior to the loan being cleared to
close? - ANSWER-Appraisal Certificate
Ms. Armstrong is paid an hourly wage of $17.50. She receives time and a half
for overtime (more than 40 hours per week) and has been averaging 50 hours
every week, since starting with the company five years ago. Her current
paystub from 7/15 of this year shows a YTD gross income of $26,260. Her W2
from last year shows $48,048 and the year before shows $46,116.
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