Mortgage loan products Study guides, Class notes & Summaries
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![Test Bank Of Financial Institutions Management A Risk Management Approach 9th Edition by Saunders](/docpics/3501510/651205f34e570_3501510_121_171.jpeg)
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Test Bank Of Financial Institutions Management A Risk Management Approach 9th Edition by Saunders
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Chapter 03 
Financial Services: Finance Companies 
 
 
 True / False Questions 
1. Finance companies differ from banks in that they do not accept deposits. TRUE 
 
2. Finance companies have been among the slowest growing FI groups in recent years. FALSE 
 
3. General Electric Capital Corporation (GECC) provides services to more than 15 million businesses and consumer is Asia alone. TRUE 
 
4. In 2008, GE Capital Corporation accounted for approximately 50 percent...
![Michigan Residential Builder's License Test With Correct Solution](/docpics/3122015/64bea2640c094_3122015_121_171.jpeg)
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Michigan Residential Builder's License Test With Correct Solution
- Exam (elaborations) • 114 pages • 2023 Popular
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What is the 1st offense penalty for engaging in the practice of residential building without a license? - Answer Not less than $5K and not more than $25K and/or 1 year 
 
What is the penalty for engaging in the practice of residential building, resulting in a death? - Answer Not less than $5K and not more than $50K and/or 4 years 
 
On your individual builder's license application, what should you write as your "business address"? - Answer Your personal address 
 
What is the cost of the individ...
![CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023](/docpics/3693748/65391122636a7_3693748_121_171.jpeg)
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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...
![RECA Fundamentals Exam Questions and Answers Already Passed](/docpics/63e62127a61c5_2356607.jpg)
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RECA Fundamentals Exam Questions and Answers Already Passed
- Exam (elaborations) • 34 pages • 2023
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RECA Fundamentals Exam Questions and Answers Already Passed 
Which of the following is NOT a RECA educational resource for industry professionals? Spatial Information System (Spin 2) 
Which entity has the authority to amend the Real Estate Act 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 Consumer Price Index (CPI) 
Which of the following will occur to the supply of a good when ther...
![SOMB II Practice Test | questions and answers with complete solution](/docpics/3541808/651abd3bcd00d_3541808_121_171.jpeg)
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SOMB II Practice Test | questions and answers with complete solution
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SOMB II Practice Test | questions and answers with complete solution 
 
When refinances as a percentage of total originations rise, does profitability at large banks tend to rise or to fall? - Fall 
What are the top three Mortgage lender's main sources of income? - - Fees negotiated at origination 
- Gain on sale 
- Interest Income 
Interest income earned at the note rate from the date a loan closes until it is sold belongs to? - The lender 
Which type of loan sale generates the most revenue...
![Personal Finance 6th Edition Madura - Test Bank](/docpics/3454068/6507767386c8c_3454068_121_171.jpeg)
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Personal Finance 6th Edition Madura - Test Bank
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Personal Finance, 6e (Madura) 
Chapter 1 Overview of a Financial Plan 
 
1.1 How You Benefit from Personal Finance 
 
1) Most Americans will never be able to understand and develop a personal financial plan. 
Answer: FALSE 
Diff: 1 
Question Status: Previous edition 
 
2) The simple objective of financial planning is to make the best use of your resources to achieve your financial goals. 
Answer: TRUE 
Diff: 2 
Question Status: Previous edition 
 
3) An understanding of personal finan...
![Mortgage Loan Products and Terms/Final Study Set (A+ Graded)](/docpics/6410a512bf7c0_2471500.jpg)
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Mortgage Loan Products and Terms/Final Study Set (A+ Graded)
- Exam (elaborations) • 15 pages • 2023
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HECM Tenure payment plan correct answers Equal monthly payments continue for the life of the borrower as long as one borrower lives and continues to occupy the property as principal residence 
 
HECM Term payment plan correct answers Equal monthly payments for a fixed period of months selected 
 
HECM Line of Credit payment plan correct answers Borrowers withdraw money as needed. Unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhau...
![Finance Skills for Managers - D076](/docpics/642169321fcb3_2520560.jpg)
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Finance Skills for Managers - D076
- Exam (elaborations) • 34 pages • 2023
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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...
Mortgage Loan Products
![ETS MFT BUSINESS EXAM | Answered Correctly! Summer 2022-23.](/docpics/640cddc9db891_2461943.jpg)
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ETS MFT BUSINESS EXAM | Answered Correctly! Summer 2022-23.
- Exam (elaborations) • 37 pages • 2023
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ETS MFT BUSINESS EXAM 
 
The principal difference between variable costing and absorption costing centers on: 
 
a) whether variable manufacturing costs should be included as product costs 
 
b) whether fixed manufacturing costs should be included as product costs 
 
c) whether fixed manufacturing costs and fixed selling and administrative costs should be included as product costs 
 
d) none of these. 
 
General Bikes is debating which marketing research options to employ. The traditional p...
![AL Practice Exam – Adjusting 2023 with complete solution](/docpics/2762371/6464e877aa828_2762371_121_171.jpeg)
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AL Practice Exam – Adjusting 2023 with complete solution
- Exam (elaborations) • 29 pages • 2023
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1.	1. The insured carries a BOP policy with protective systems such as a sprinkler system. If the system becomes inoperative, the insured must 
advise the insurance company of the problem within	if the system cannot be restored to working order: 48 hours Your Answer 
2.	2. Tina has two policies (Policy X and Policy Y) that cover the same risk on a pro rata basis. Policy X has a limit of $100,000 and Policy Y has a limit of 
$25,000. When Tina suffers a loss totaling $75,000, how will the two pol...
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