Subprime Study guides, Revision notes & Summaries
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Federal Mortgage- Related Laws (Module 1) questions with correct answers
- Exam (elaborations) • 17 pages • 2023
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Closed-end loans with rates that exceed the average prime offer rate, but are not high enough to trigger protections under HOEPA, are known as: 
 a: Qualified high-cost mortgages 
 b: Higher-priced mortgage loans 
 c: Subprime mortgage loans 
 d: Reverse mortgages Answer b: Higher-priced mortgage loans 
 
All but which of the following may serve as a legal, non-discriminatory basis for denying a mortgage loan application? 
 a: The consumer is purchasing a home located in a neighborhood primarily...
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CFCI Study Guide Latest Update Already Passed
- Exam (elaborations) • 28 pages • 2024
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CFCI Study Guide Latest Update Already 
 
Passed 
 
Fraud "Any illegal acts characterized by deceit, concealment, or violation of trust. These acts 
are not dependent upon the perpetrated by individuals and organizations to obtain money, 
 
property, or services; to avoid payment or loss of services; or to secure personal or business ad- 
vantage." 
 
Main types of fraud Internal Fraud and External Fraud 
 
Internal Fraud which involves the employees of the company against which the fraud is 
...
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Real Estate 87 Economics Final Exam 2023/2024 Questions and Answers Latest A+ Grade.
- Exam (elaborations) • 23 pages • 2023
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Real Estate 87 Economics Final Exam 2023/2024 Questions and Answers Latest A+ Grade. 
Real Estate 87 Economics 
Question 1 
. Compared to a 30-year loan, a 15-year loan usually has: 
 
B. a lower interest rate and a larger monthly payment 
 
 
Question 2 
What federal law requires lenders to disclose information that would help detect 
instances of redlining? 
 
C. Home Mortgage Disclosure Act 
 
Question 3 
Which of these types of income is least likely to be counted as part of a loan applicant...
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PREPXL- General mortgage knowledge EXAM(Graded A+ actual test)
- Exam (elaborations) • 21 pages • 2024
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According to the Truth-in-Lending Act, a variation up to what amount is permitted for the annual 
percentage rate in a regular fixed-rate mortgage transaction as quoted in the Loan Estimate? 
1% 
.5% 
.125% 
.25% - Answer-.125% 
The term "subordination" refers to: 
The process of releasing a lien 
The process of recording a lien 
The process of one lienholder accepting inferior lien priority in favor of another 
The process of researching a lien - Answer-The process of one lienholder accepting...
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Summary + answers to problem sets EC2B5
- Summary • 66 pages • 2024
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Summary of all concepts described below, including content from background readings and lines of arguments to be made for answers on exam. 
 
 
Revision of basic concepts: 
* IS-LM Model, 
* AD-AS Model, 
* Philips Curve. 
Week 1: Class questions and answers 
 
 Central banks: 
* Why does political control of monetary policy harm long-run economic performance? 
* Why did the UK govt. grant independence to the BoE in 1997? 
* Why do many developed countries have inflation targeting? 
* What...
Too much month left at the end of the money?
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EXAM TEST FOR NATIONAL USPAP 2023/2024 QUESTIONS & ANSWER
- Exam (elaborations) • 24 pages • 2023
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Which board within The Appraisal Foundation has the authority to make revisions to 
USPAP? 
Board of Trustees (BOT) 
Appraisal Standards Board (ASB) 
Appraiser Qualifications Board (AQB) 
All boards within the Foundation have the authority to revise USPAP - CORRECT 
ANSWER-Appraisal Standards Board (ASB) 
The three independent boards within The Appraisal Foundation include: 
Appraisal Standards Board, Appraisal Subcommittee, Federal Housing Finance Agency 
Appraisal Standards Board, Appraiser ...
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NMLS Practice Test questions with correct answers
- Exam (elaborations) • 8 pages • 2023
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1) Seller can Sell property at a premium/profit with Fannie Mae financing after? 
30 days 
•60 days 
•90 days Answer •90 days 
 
2) A COFI index is defined as? 
 
Cost of funds index 
•Cost of financial index 
•Cost of funding insurance Answer cost of fund index 
 
3) Subordinate financing relates to 
 
•seller financing. 
•second mortgages. 
•financing in the secondary mortgage market. 
•subprime loans. Answer second mortgage 
 
4) Explain what Investors with non-recourse loa...
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Azure Tide Section 1:1 Exam Questions and Answers
- Exam (elaborations) • 6 pages • 2024
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Azure Tide Section 1:1 Exam Questions and Answers 
The real estate industry's role in the nation's economy includes: - Answer-• Providing housing 
 
• Providing investment opportunities 
 
• Providing funds through taxes 
 
• Providing jobs 
 
What does residential real estate provides? - Answer-Housing 
 
How do investors utilize real estate? - Answer-Investors utilize real estate as an income source from construction, sales, commercial and industrial business outlets. 
 
How does c...
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2024 Hud Final Exam Prep (Questions And Answers)
- Exam (elaborations) • 21 pages • 2024
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2024 Hud Final Exam Prep (Questions 
And Answers) 
Types of Credit Used - CORRECT ANSWER-Student loan or credit cards only 
FAKO scores - CORRECT ANSWER-purchase score which are educational score 
Fair Credit Reporting Act FCRA - CORRECT ANSWER-what is in file/dispute/remove 
30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/state rights 
Fair and Accurate Credit Transactions Act FACTA - CORRECT ANSWER-free 
cbrs/fraud alert/truncate cc #s 
Fair Credit Billing Act (FCBA...
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ETA CPP EXAM QUESTIONS AND ANSWERS LATEST RATED A+.
- Exam (elaborations) • 8 pages • 2023
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ETA CPP EXAM QUESTIONS AND ANSWERS LATEST RATED A+. 
What data elements are MOST critical to the payments professional when comparing a 
merchant's current statement to the new offer proposed by the payment professional? - 
ANSWER Volume, average ticket, rate, and transaction fee 
Using the interchange plus model, which of the following costs can be adjusted during 
negotiations with the merchant? - ANSWER Acquirer markup 
For most credit card transactions, what is the MAXIMUM numbers of days b...
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