Respa applies to - Study guides, Class notes & Summaries
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NMLS Exam Study Guide: RESPA Exam Questions with Correct Answers
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NMLS Exam Study Guide: RESPA Exam Questions with Correct Answers 
 
True (Promotional items with the company logo are permitted to be given) - Answer-True or False: Promotional items with the company logo are permitted to be given. 
 
Regulation X - Answer-What regulation is RESPA? 
 
RESPA (Regulation X) - Answer-Primarily involved with the disclosure of closing costs and the prevention of kickbacks, which may raise the closing costs to the consumer: 
 
Consumer Financial Protection Bureau - An...
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Prepxl Practice test 4, Questions and answers/ VERIFIED/| LATEST UPDATE | EXAM PREDICTION QUESTIONS |
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Prepxl Practice test 4, Questions and 
answers/ VERIFIED/ 
If a borrower is required to pay alimony or child support, it must be included as a(n): 
- Asset 
- Liability 
- Qualifier 
- Mitigating circumstance - -Liability. 
Alimony and child support must be included in a borrower's liabilities if they are required to pay. 
A lender who refuses to originate loans in a particular neighborhood or ZIP code because of the 
perceived creditworthiness of consumers living in the area is in violation...
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HUD Housing Counseling Exam Questions with Correct Answers
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Civil Rights Act of 1866 Correct Answer Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
Fair Housing Act of 1968 Correct Answer banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
Housing and Community Development Act of 1974 Correct Answer added gender (sex) to the protected classes 
 
Fair Housing Amendments Act of 1988 Correct Answer Added Disability and familial status to protected classes. 
 
...
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Superior NC Real Estate Important Final Exam QUESTIONS & Revised CORRECT ANSWERS <UPDATED&ALREADYPASSED>
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Superior NC Real Estate Important Final 
Exam QUESTIONS & Revised CORRECT 
ANSWERS 
<UPDATED&ALREADYPASSED> 
RESPA - ANSWER : -Real Estate Settlement Procedures 
Act: applies ONLY to 1-4 family residential transactions, 
transactions involving a "federally related" mortgage 
(conventional, FHA, VA) 
Which party's signature is required on a deed of trust? 
A. the trustee 
B. the beneficiary 
C. the trustor(s) 
D. the grantee(s) - ANSWER : C. the trustor(s) 
The trustor is the borrow...
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Real Estate Settlement Procedures Act (RESPA), Questions and answers, V / 2024-25 Exam board exam predictions. APPROVED/ ERIFIED/
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Real Estate Settlement Procedures Act 
(RESPA), Questions and answers, 
VERIFIED/ 
RESPA Purpose - -allow consumers to obtain information on the costs of closing so that they can 
shop for settlement servicers and protect consumers from excessive settlement costs and unearned fees 
through mandatory disclosure requirements and established prohibited practices. 
RESPAS regulations are known as... - -Regulation X 
RESPA applies to.. - -federally-related mortgage loans (virtually every home loa...
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Maine Real Estate Study question n answers graded A+ 2023/2024
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Maine Real Estate Study 
In Maine, an agency relationship begins when the - correct answer Buyer or seller and agency sign an agreement establishing the agency relationship. 
 
Where a licensee has an agency relationship with a client, his/her most important duties are owed to: - correct answer The client. 
 
Which of the following statements is true? For an agent to become an appointed agent in Maine: - correct answer -The agency must have adopted the appointed agent concept. 
-The client must...
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HUD Housing Counseling Exam Questions and Answers 100% Pass
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HUD Housing Counseling Exam 
Questions and Answers 100% Pass 
Civil Rights Act of 1866 - Correct Answer ️️ -Federal law granting citizenship to former 
slaves; passed over Johnson's veto. (Race and Color) 
Fair Housing Act of 1968 - Correct Answer ️️ -banned discrimination in the rental or 
sale of housing (Race, color, religion, national origin) 
Housing and Community Development Act of 1974 - Correct Answer ️️ -added gender 
(sex) to the protected classes 
Fair Housing Amendments ...
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HUD Housing Counseling Exam Questions and answers Graded A+
- Exam (elaborations) • 37 pages • 2024
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Civil Rights Act of 1866 - Answer-Federal law granting citizenship to former slaves; passed over 
Johnson's veto. (Race and Color) 
Fair Housing Act of 1968 - Answer-banned discrimination in the rental or sale of housing (Race, color, 
religion, national origin) 
Housing and Community Development Act of 1974 - Answer-added gender (sex) to the protected 
classes 
Fair Housing Amendments Act of 1988 - Answer-Added Disability and familial status to protected 
classes. 
Real Estate Settlement and p...
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NMLS PRACTICE QUESTIONS WITH ALL CORRECT ANSWERS.docx
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NMLS PRACTICE QUESTIONS WITH ALL CORRECT ANSWERS.docx 
which federal agency administers Regulation B implementing ECOA, Rgulation C implementig HMDA and Regulation Z implementing TILA? - Answer-FEDERAL RESERVE SYSTEM 
 
the clause in a mortgage that allows the lender to foreclose if the borrower defaults is the - Answer-Acceleration Clause 
 
at closing a borrower may deposit funds to establish reserves for which of the following? 
- Answer-TAXES AND INSURANCE 
 
in a qualification of an applica...
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National Real Estate Exam Prep Study Questions and Answers Graded A 2024
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Unilateral Contract - Contract containing ONE promise given in exchange for completing an act. NO obligation to act. 
 
Bilateral Contract - Contract containing TWO promises. Example: A listing agreement is a bilateral contract 
 
Client/Principal - A person who has entered into an agency relationship w/ a licensee & with whom there is a written contract 
 
Customer - Any 3rd party w/ whom a licensee works 
 
In-Company Transaction - Transaction in which the buyer and seller are both represented...
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