Mortgagor Study guides, Class notes & Summaries
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![Real Estate Finance and Investments 15th Edition By Brueggeman - Test Bank](/docpics/3344226/64f0916bb39e0_3344226_121_171.jpeg)
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Real Estate Finance and Investments 15th Edition By Brueggeman - Test Bank
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CHAPTER 3 
Mortgage Loan Foundations: The Time Value of Money 
 
TRUE/FALSE 
 
1.	In order to solve a compounding problem, you must know all four of the variables in order to solve for the fifth variable. (T) 
 
2.	One way to calculate the present value of a single payment is with the following formula: PV = FV * (1+i)n. (F) 
 
3.	At 6%, the present value of a $1 payment in 12 months is .. At 7%, the present value of a $1 payment in 12 months is .. (F) 
 
4.	The future value of $800 deposited ...
![Champions Real Estate Finance Exam (2024/ 2025) 100% Correct Questions and Verified Answers| Grade A](/docpics/5146275/663043c1c8d75_5146275_121_171.jpeg)
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Champions Real Estate Finance Exam (2024/ 2025) 100% Correct Questions and Verified Answers| Grade A
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Champions Real Estate Finance Exam (2024/ 2025) 100% Correct Questions and Verified Answers| Grade A 
 
 
Q: The money that mortgage companies use to make loans come from the sale of ________, which is considered a business transaction, not a savings account deposit procedure. 
 
 
Answer: 
Bonds 
 
 
 
Q: Government entities regularly sell bonds to 
 
 
Answer: 
Fund major capital investments 
 
 
 
Q: Advantage of municipal bonds is 
 
 
Answer: 
That the interest paid to investors is not subj...
![PSI NJ Real Estate Exam, PSI Practice Test. 2024, 136 Questions and Correct Answers.](/docpics/4890191/660adc99c675e_4890191_121_171.jpeg)
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PSI NJ Real Estate Exam, PSI Practice Test. 2024, 136 Questions and Correct Answers.
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PSI NJ Real Estate Exam, PSI Practice Test. 2024, 136 Questions and Correct Answers. 
Water Rights 
The terms "littoral," "riparian," and "appropriative" refer to 
A salesperson lists a property with a contract that allows for subagency and dual agency. The salesperson is 
an agent to the broker and a subagent to the principal. 
Depreciation is calculated based on the 
Cost of the building only. 
When a property owner uses his home as collateral for a loan and creates a lien in favor of th...
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![PVL3701 EXAM PACK 2023](/docpics/books/1001004009804307.jpg)
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PVL3701 EXAM PACK 2023
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MCQ 
1. Indicate the correct option. 
Which one of the following things can be regarded as a res nullius? 
(1) a domesticated tiger living in his owner‟s house 
(2) an impala roaming in the bushes 
(3) a Persian cat lying on the neighbor‟s patio 
(4) a springbok kept on a private game farm for hunting purposes 
ANSWER: 
Option 2 is correct. A res nullius is a thing which does not belong to anyone. All creatures that are 
wild by nature either in their natural state or when they have...
![Gold Coast Final Exam Questions and Answers 100% Solved](/docpics/3481440/650d600c07d23_3481440_121_171.jpeg)
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Gold Coast Final Exam Questions and Answers 100% Solved
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Gold Coast Final Exam Questions and Answers 100% Solved What is the form you sign that says you will pay the loan back ? promissory note 
What is the post licensing grace period after first expiration ? none 
Deposits is a form of... valuable consideration 
Physical land and improvements real property 
Is it a violation if a sales associate work for two brokers Monday-Friday, and Saturday and Sunday and getting paid commission from both Yes 
What is the maximum fine per offense ? $5,000 per fine...
![New Jersey PSI Real Estate Exam With complete solutions.](/docpics/3337516/64ef2b6662b81_3337516_121_171.jpeg)
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New Jersey PSI Real Estate Exam With complete solutions.
- Exam (elaborations) • 12 pages • 2023
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New Jersey PSI Real Estate Exam With 
complete solutions. 
Water Rights ️ The terms "littoral," "riparian," and "appropriative" refer to 
A salesperson lists a property with a contract that allows for subagency and dual 
agency. The salesperson is ️ an agent to the broker and a subagent to the 
principal. 
Depreciation is calculated based on the ️ Cost of the building only. 
When a property owner uses his home as collateral for a loan and creates a lien in 
favor of the lender, title...
![PSI NJ Real Estate Exam, PSI Practice Test|100% Verified Complete solutions|Newly Updated 2023!](/docpics/2913108/648d66ab41f22_2913108_121_171.jpeg)
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PSI NJ Real Estate Exam, PSI Practice Test|100% Verified Complete solutions|Newly Updated 2023!
- Exam (elaborations) • 26 pages • 2023
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PSI NJ Real Estate Exam, PSI Practice Test|100% Verified Complete solutions|Newly Updated 2023! 
Water Rights 
The terms "littoral," "riparian," and "appropriative" refer to 
A salesperson lists a property with a contract that allows for subagency and dual 
agency. The salesperson is 
an agent to the broker and a subagent to the principal. 
Depreciation is calculated based on the 
Cost of the building only. 
When a property owner uses his home as collateral for a loan and creates a lien i...
![REAL ESTATE FINANCE PRACTICE EXAM NEW SOLUTION 2023 COMPLETE EXAM UPDATE](/docpics/3207968/64d16622ebd39_3207968_121_171.jpeg)
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REAL ESTATE FINANCE PRACTICE EXAM NEW SOLUTION 2023 COMPLETE EXAM UPDATE
- Exam (elaborations) • 11 pages • 2023
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A __________ is a permanent change in one or more of the terms of a borrower's loan. 
Loan Qualification 
Loan Modification 
Loan Approval 
Loan Origination - ANS IS Loan Modification 
What time period must borrowers have in job history with the same employer to qualify? 
2 months 
6 months 
1 year 
2 years - ANS IS 2 years 
Unscrupulous actions carried out by a lender to entice, induce and/or assist a borrower 
in taking a mortgage that carries high fees, a high interest rate, strips the borro...
![Notary Loan Signing Agent Definitions: Updated Guide Solution](/docpics/4628813/65e05ae93edb5_4628813_121_171.jpeg)
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Notary Loan Signing Agent Definitions: Updated Guide Solution
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Borrower (Mortgagor) 
 (Ans- An individual who applies for and receives funds in the form of a loan and is obligated to repay the loan in full under the terms of the loan. 
 
Title 
 (Ans- Document that gives evidence of ownership of a property. Also indicates the rights of ownership and possession of the property. Individuals who will have legal ownership in the property are considered "on title" and will sign the mortgage and other documentation 
 
Refinancing 
(Ans- The process of paying ...
![Ohio Notary Public Test. Question and answers. Graded A+. 2022/2023 Document Content and Description Below](/docpics/2718699/645a1ae84248d_2718699_121_171.jpeg)
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Ohio Notary Public Test. Question and answers. Graded A+. 2022/2023 Document Content and Description Below
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Ohio Notary Public Test. Question and answers. Graded A+. 2022/2023 
Document Content and Description Below 
Can a notary take the acknowledgement to an instrument in which he himself has an interest? - No. Can a notary notarize an instrument when he is out of the physical boundaries of the State of Ohio? - No. Can a notary witness the signature and take acknowledgement in another State, then make the certification in his own State? - No. May a notary take the acknowledgement of a relative, even...
![CQIB Exam 2023 Questions and Answers](/docpics/2837452/647895ec6a1f2_2837452_121_171.jpeg)
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CQIB Exam 2023 Questions and Answers
- Exam (elaborations) • 32 pages • 2023
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Mutually owned co-operative financial institutions offering benefits to members through a trust-like structure" describes which type of Insurer/Fund Manager? - Answer- Friendly Society 
 
Which is the decision-making process of framing? - Answer- To remove the 'noise' from an issue to allow us to see the problem for what it is 
 
Under the RG271 what is the maximum timeframes for IDR response for a Superannuation trustee complaints? - Answer- 45 days after receiving the complaint 
 
In the se...
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