MARYLAND PUBLIC ADJUSTER EXAM
STUDY GUIDE CORRECTLY ANSWERED
CERTIFICATION EVALUATION 2026
SOLVED QUESTIONS AND SOLUTIONS
GRADED A+
⩥ In a metes and bounds legal description, the following is true?
Answer: All of the above; Course is the same as direction, distance is the
same as length and an arc is a part of a circle
⩥ Which ALTA title policy has a check list for endorsements? Answer:
ALTA Short Form Loan Policy
⩥ Which of the following is not required to be accompanied by an intake
sheet at the time of recording? Answer: (All of the above) Assignment,
release, Power of attorney.
⩥ Names of parties to a real estate transactions must be ran through a
national database that identifies potential pursuant to? Answer: The
Patriot Act
⩥ Which of the following creates a valid and enforceable restriction on
land? Answer: A recorded covenant
,⩥ Most title insurance policies insure against all of the following
except? Answer: Eminent domain
⩥ Pursuant to Maryland Law, a loan for a secondary mortgage cannot be
conducted? Answer: At the borrower's house
⩥ A location drawing might show all of the following except? Answer:
Boundary lines
⩥ All of the following are characteristics of an ALTA loan policy
EXCEPT? Answer: Contingencies
⩥ The policy limit noted in a title insurance policy applies to? Answer:
Cumulative Claims
⩥ The Gramm Leach Bliley Act requires insurance companies to do
which of the following? Answer: (All of the above) Provide consumers
with a privacy notice, Create mechanisms for protecting the security and
integrity of consumer information, and
Provide consumers with an opportunity to opt out of having their
information shared.
⩥ If a joint tenant sells their interest in a property, the tenancy becomes?
Answer: Tenants in common
,⩥ In Maryland, funds received by title companies from a sales
transaction must be deposited into? Answer: A trust account
⩥ A power of attorney ceases when? Answer: (Any of the above) The
power of attorney is revoked, The person granting the powers dies, and
Statutory expiration.
⩥ Schedule BI of a title commitment is reserved for? Answer:
Requirements
⩥ In Maryland, if a release is not available for recording, the following
may be recorded in its place? Answer: (Either of the above) Promissory
note, stamped paid in full by the note holder or Copy of the cancelled
check with an affidavit.
⩥ In a foreclosure sale, all interested parties, have the following rights
Except? Answer: Have a right to choose the foreclosure sale price
⩥ Before a foreclosure can occur in Maryland, a Notice of Intent to
foreclose (NOI) must be sent to the borrower? Answer: 45 days before
the sale
⩥ An acceleration clause in a deed of trust? Answer: Allows the lender
to demand the balance due upon default
, ⩥ An owner's title insurance policy covers? Answer: (All of the above)
Defects in title, Marketability and
Unpaid property liens of previous owner.
⩥ A senior mortgage is the? Answer: Mortgage in priority position
⩥ Real estate loans are secured by the execution and recording of?
Answer: A deed of trust, promissory note and right to cancel
⩥ RESPA and the Truth In Lending Act require that the borrower?
Answer: (All of the above) Receives the Hud-1 settlement statement 1
day prior to settlement, Receives the Closing Disclosure form 3 days
prior to settlement and Receives the Loan Estimate within 3 days of
application.
⩥ Loan proceeds disbursed at a settlement must be? Answer: (Any of the
above) as long as they are guaranteed and available immediately
⩥ Checks received by a title company in a real estate transaction must
be drawn on a bank insured by? Answer: FDIC
⩥ A title insurance commitment is an? Answer: An offer with respect to
contract terms
STUDY GUIDE CORRECTLY ANSWERED
CERTIFICATION EVALUATION 2026
SOLVED QUESTIONS AND SOLUTIONS
GRADED A+
⩥ In a metes and bounds legal description, the following is true?
Answer: All of the above; Course is the same as direction, distance is the
same as length and an arc is a part of a circle
⩥ Which ALTA title policy has a check list for endorsements? Answer:
ALTA Short Form Loan Policy
⩥ Which of the following is not required to be accompanied by an intake
sheet at the time of recording? Answer: (All of the above) Assignment,
release, Power of attorney.
⩥ Names of parties to a real estate transactions must be ran through a
national database that identifies potential pursuant to? Answer: The
Patriot Act
⩥ Which of the following creates a valid and enforceable restriction on
land? Answer: A recorded covenant
,⩥ Most title insurance policies insure against all of the following
except? Answer: Eminent domain
⩥ Pursuant to Maryland Law, a loan for a secondary mortgage cannot be
conducted? Answer: At the borrower's house
⩥ A location drawing might show all of the following except? Answer:
Boundary lines
⩥ All of the following are characteristics of an ALTA loan policy
EXCEPT? Answer: Contingencies
⩥ The policy limit noted in a title insurance policy applies to? Answer:
Cumulative Claims
⩥ The Gramm Leach Bliley Act requires insurance companies to do
which of the following? Answer: (All of the above) Provide consumers
with a privacy notice, Create mechanisms for protecting the security and
integrity of consumer information, and
Provide consumers with an opportunity to opt out of having their
information shared.
⩥ If a joint tenant sells their interest in a property, the tenancy becomes?
Answer: Tenants in common
,⩥ In Maryland, funds received by title companies from a sales
transaction must be deposited into? Answer: A trust account
⩥ A power of attorney ceases when? Answer: (Any of the above) The
power of attorney is revoked, The person granting the powers dies, and
Statutory expiration.
⩥ Schedule BI of a title commitment is reserved for? Answer:
Requirements
⩥ In Maryland, if a release is not available for recording, the following
may be recorded in its place? Answer: (Either of the above) Promissory
note, stamped paid in full by the note holder or Copy of the cancelled
check with an affidavit.
⩥ In a foreclosure sale, all interested parties, have the following rights
Except? Answer: Have a right to choose the foreclosure sale price
⩥ Before a foreclosure can occur in Maryland, a Notice of Intent to
foreclose (NOI) must be sent to the borrower? Answer: 45 days before
the sale
⩥ An acceleration clause in a deed of trust? Answer: Allows the lender
to demand the balance due upon default
, ⩥ An owner's title insurance policy covers? Answer: (All of the above)
Defects in title, Marketability and
Unpaid property liens of previous owner.
⩥ A senior mortgage is the? Answer: Mortgage in priority position
⩥ Real estate loans are secured by the execution and recording of?
Answer: A deed of trust, promissory note and right to cancel
⩥ RESPA and the Truth In Lending Act require that the borrower?
Answer: (All of the above) Receives the Hud-1 settlement statement 1
day prior to settlement, Receives the Closing Disclosure form 3 days
prior to settlement and Receives the Loan Estimate within 3 days of
application.
⩥ Loan proceeds disbursed at a settlement must be? Answer: (Any of the
above) as long as they are guaranteed and available immediately
⩥ Checks received by a title company in a real estate transaction must
be drawn on a bank insured by? Answer: FDIC
⩥ A title insurance commitment is an? Answer: An offer with respect to
contract terms
