Mortgage loan products Study guides, Class notes & Summaries
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![Florida Mortgage LIcense broker exam with complete verified solutions](/docpics/4826934/6602b4dc834e8_4826934_121_171.jpeg)
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Florida Mortgage LIcense broker exam with complete verified solutions
- Exam (elaborations) • 18 pages • 2024
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What law prohibits a lender from requiring mortgage insurance through any agent or company? 
Anti - coercion law 
 
 
 
Who supervises all activities of the OFR? 
The director 
 
 
 
What are examples of prohibited practices under Chapter 494? 
Mostly fraud related activities 
 
 
 
Who can a fee or commission related to a mortgage loan transaction be paid to under chapter 393? 
Mortgage broker 
Mortgage lender 
A person exempt from licensure under the law. 
 
 
 
What disclosures need to be pro...
![NMLS SAFE EXAM QUESTIONS AND ANSWERS GRADED A+](/docpics/4235060/65a55e44793f3_4235060_121_171.jpeg)
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NMLS SAFE EXAM QUESTIONS AND ANSWERS GRADED A+
- Exam (elaborations) • 61 pages • 2024
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NMLS SAFE EXAM QUESTIONS AND ANSWERS GRADED A+ 
Primary Mortgage Market 
Where credit institutions originate loans 
 
 
 
C. The maximum the rate can increase over the life of the loan 
When an ARM has rate caps of 5/2/6, the 6 refers to what? 
A. The maximum rate increase at the initial adjustment 
B. The start rate for the loan 
C. The maximum the rate can increase over the life of the loan 
D. The rate maximum the rate can decrease over the life of the loan 
 
 
 
 
Brainpower 
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Pre...
![Loan Officer: NMLS. Question with 100 % correct answers | Verified | updated](/docpics/5743920/6682b71d73804_5743920_121_171.jpeg)
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Loan Officer: NMLS. Question with 100 % correct answers | Verified | updated
- Exam (elaborations) • 44 pages • 2024
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(Fair and Accurate Credit Transactions Act of 2003) FACTA Purpose is to... - ... address the problem 
of identity theft. To facilitate consumer's access to information retained by the CRAs, and to improve the 
accuracy of consumer reports. 
(FCRA) The National Consumer Assistance Plan (NCAP) aims to... - ...improve consumer 
experience, data accuracy, and quality. 
(HMDA) In addition to originations, reportable HMDA data includes... - - Loan Applications 
- Loan Denials 
- Loan Approvals 
- Loa...
![RECA Fundamentals Exam 2023 Questions with Verified Answers](/docpics/641bfcf5e9842_2505136.jpg)
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RECA Fundamentals Exam 2023 Questions with Verified Answers
- Exam (elaborations) • 14 pages • 2023
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Which of the following is NOT a RECA educational resource for industry professionals? - Answer- Spatial Information System (Spin 2) 
 
Which entity has the authority to amend the Real Estate Act - Answer- Provincial Legislature 
 
Which of the following measures the change in a cost of a fixed basket of goods and services purchased by families over a period of time - Answer- Consumer Price Index (CPI) 
 
Which of the following will occur to the supply of a good when there is a change in quantity...
![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
- Exam (elaborations) • 57 pages • 2023
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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 Mortgage LIcense broker exam with complete verified solutions.](/docpics/4827108/6602b683e768f_4827108_121_171.jpeg)
-
Florida Mortgage LIcense broker exam with complete verified solutions.
- Exam (elaborations) • 18 pages • 2024
- Available in package deal
-
- $13.49
- + learn more
What law prohibits a lender from requiring mortgage insurance through any agent or company? 
Anti - coercion law 
 
 
 
Who supervises all activities of the OFR? 
The director 
 
 
 
What are examples of prohibited practices under Chapter 494? 
Mostly fraud related activities 
 
 
 
Who can a fee or commission related to a mortgage loan transaction be paid to under chapter 393? 
Mortgage broker 
Mortgage lender 
A person exempt from licensure under the law. 
 
 
 
What disclosures need to be pro...
![NMLS SAFE EXAM Questions And Answers (Verified And Updated)](/docpics/5286592/66422472746ef_5286592_121_171.jpeg)
-
NMLS SAFE EXAM Questions And Answers (Verified And Updated)
- Exam (elaborations) • 68 pages • 2024
- Available in package deal
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- $14.49
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NMLS SAFE EXAM Questions And 
Answers (Verified And Updated) 
Where credit institutions originate loans - answerPrimary Mortgage Market 
When an ARM has rate caps of 5/2/6, the 6 refers to what? 
A. The maximum rate increase at the initial adjustment 
B. The start rate for the loan 
C. The maximum the rate can increase over the life of the loan 
D. The rate maximum the rate can decrease over the life of the loan - answerC. The 
maximum the rate can increase over the life of the loan 
When utiliz...
![HUD Housing Counselor Module- Avoiding Foreclosure Exam Questions and Answers 100% Pass](/docpics/5588431/6665731393328_5588431_121_171.jpeg)
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HUD Housing Counselor Module- Avoiding Foreclosure Exam Questions and Answers 100% Pass
- Exam (elaborations) • 17 pages • 2024
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HUD Housing Counselor Module- Avoiding Foreclosure 
Exam Questions and Answers 100% Pass 
Which of the following did NOT contribute to the increase in foreclosure rates during the 
mortgage crisis? 
- Risky loan products with features like negative amortization 
- Homeowners paying off mortgages early 
- Aggressive marketing of Home Equity Line of Credits (HELOC) 
- Using teaser rates to qualify more borrowers - Correct Answer ️️ -Homeowners 
paying off mortgages early 
This program made it ...
![NMLS SAFE EXAM Questions And Answers (Verified And Updated)](/docpics/5473337/665725dc2de36_5473337_121_171.jpeg)
-
NMLS SAFE EXAM Questions And Answers (Verified And Updated)
- Exam (elaborations) • 68 pages • 2024
-
- $14.49
- + learn more
NMLS SAFE EXAM Questions And 
Answers (Verified And Updated) 
Where credit institutions originate loans - answerPrimary Mortgage Market 
When an ARM has rate caps of 5/2/6, the 6 refers to what? 
A. The maximum rate increase at the initial adjustment 
B. The start rate for the loan 
C. The maximum the rate can increase over the life of the loan 
D. The rate maximum the rate can decrease over the life of the loan - answerC. The 
maximum the rate can increase over the life of the loan 
When utiliz...
![Finance Skills for Managers - D076](/docpics/5157702/6631a698a53f5_5157702_121_171.jpeg)
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Finance Skills for Managers - D076
- Exam (elaborations) • 34 pages • 2024
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Which area of finance deals with sources of funding and the capital structure of corporations and seeks to increase the value of a firm to its owners? - Answer- Business finance 
 
What is the primary difference between finance and accounting? - Answer- Finance focuses on the future, while accounting is generally backward-looking. 
 
Which subspecialty of finance primarily involves deciding which assets will create more wealth and earn positive returns? - Answer- Investments 
 
What is the prima...
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