Fair lending - Study guides, Class notes & Summaries
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HUD Certification Questions and Answers 100% Pass
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HUD Certification Questions and Answers 100% Pass 
Which document is most important when working with a client to develop an initial budget as part of a Client Action Plan? 
Pay stub 
Retirement plan statement 
List of assets Current lease Pay stub 
A client would like purchase a home within one year. The client is motivated to increase household income as a way to save for a down payment and qualify for a loan. Which is the best solution for the client to reach this goal? 
Find a second job 
Bo...
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Fair Lending (ECOA, FHA, Exam Procedures) Exam| Questions with 100% Correct Answers (A Rated)
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ECOA - ANSWER prohibits discrimination in any aspect of a credit transaction. 
ECOA applicability - ANSWER Any extension of credit, including credit to small businesses, 
corporations, partnerships, and trusts. 
Race or Color - ANSWER Prohibited Basis (ECOA/FHA) 
Prohibited Basis (ECOA) - ANSWER 8 classes that cannot be discriminated against 
Religion - ANSWER Prohibited Basis (ECOA/FHA)
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Champions Principles of Real Estate 2 Exam Questions with Correct Answers
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Champions Principles of Real Estate 2 Exam Questions with Correct Answers 
appraisal - ANSWER value of a property maybe affected by social, economic, govt and environmental influences 
 
Loan-to-Value Ratio (LTV) - ANSWER The percentage of value or sales price that a lender is willing to finance. 
 
limited appraisal report - ANSWER exterior only/drive by inspection. deemed as low risk loan 
 
highest and best use of property - ANSWER legal use that gives the gre...
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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Law of Contract Final exam
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This generally refers to a governmental entity's legal authority to force a private landowner to sell his or her real property for public use. 
 
 A) Condemnation 
 B) Taxation 
 C) Police power 
 D) Eminent domain - Answer- D) Eminent domain 
 
Precedents are determined by: 
 
 A) Statutory Law 
 B) Case law 
 C) TRELA 
 D) DTPA - Answer- Wrong A) Statutory Law? 
 
This estate may be terminated at will of either party. It has no duration limitation. 
 
 A) Estate at will 
 B) Estate from perio...
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TEST BANK FOR INTERMEDIATE ACCOUNTING, 11TH EDITION BY DAVID SPICELAND, MARK NELSON, THOMAS WAYNE, JENNIFER COMPLETE ALL CHAPTERS 2023-2024
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TEST BANK FOR INTERMEDIATE ACCOUNTING, 11TH EDITION BY DAVID SPICELAND, MARK NELSON, THOMAS WAYNE, JENNIFER COMPLETE ALL CHAPTERS . Resources are efficiently allocated if they are given to enterprises that will use 
them to provide goods and services desired by society and not to enterprises that will 
waste them. The capital markets are the mechanism that fosters this efficient 
allocation of resources. 
Question 1–3 
Two extremely important variables that must be considered in any investmen...
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The US Banking System 3rd Edition by Center for Financial Training - Test Bank
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Name Clas Dat : s: e: 
CHAPTER 01—THE BUSINESS OF BANKING 
 1. A bank is a not-for-profit organization. a. 
b. 
True False 
False 
1 
BNKG.CFFT.3.LO: 1.1.1 - LO: 1.1.1 
ANSWER: 
POINTS: 
LEARNING OBJECTIVES: 
2. All federally chartered banks must be corporations. 
a. True 
ANSWER: 
POINTS: 
LEARNING OBJECTIVES: 
b. False True 
1 
BNKG.CFFT.3.LO: 1.1.1 - LO: 1.1.1 
3. Commercial banks offer their services only to businesses. 
ANSWER: 
POINTS: 
LEARNING OBJECTIVES: 
5. Issuing credit cards is ...
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Fair Lending Reg U courses Oct 2020 Exam with Complete Solutions
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Unmarried joint applicants learn of the credit decision on their loan two weeks after submitting a completed application. Married joint applicants receive a credit decision within 24 hours after submitting a completed application. This is an example of what type of discrimination? 
 
A. Overt disparate treatment 
B. Disparate treatment 
C. Comparative disparate treatment 
D. No discrimination in this scenario - ANSWER-C. Comparative disparate treatment 
 
As a director, your fair lending respons...
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Pearson Vue Test Questions and answers, 100% Accurate, Graded A+. Approved.
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Pearson Vue Test Questions and answers, 100% Accurate, Graded A+. Approved. 
 
 
Which of the following terms BEST describes personal property that, by its attachment to real property, is regarded as real estate? 
 
A. 
Emblements 
 
B. 
Personality 
 
C. 
Fixtures 
 
D. 
Appliances - -C 
 
A salesperson who completes a written listing agreement with a seller is helping to create a contractual relationship between the: 
 
A. 
salesperson and the seller 
 
B. 
salesperson and the buyer 
 
C. 
sal...
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TEST BANK FOR INTERMEDIATE ACCOUNTING, 11TH EDITION BY DAVID SPICELAND, MARK NELSON, THOMAS WAYNE, JENNIFER – ALL CHAPTERS 2023-2024
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TEST BANK FOR INTERMEDIATE ACCOUNTING, 11TH EDITION BY DAVID SPICELAND, MARK NELSON, THOMAS WAYNE, JENNIFER – ALL CHAPTERS . Financial accounting is concerned with providing relevant financial information 
about various kinds of organizations to different types of external users. The primary 
focus of financial accounting is on the financial information provided by profitoriented companies to their present and potential investors and creditors. 
Question 1–2 
Resources are efficiently alloca...
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