Consumer credit act 1974 Study guides, Revision notes & Summaries
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Champions real estate finance Exam Questions with Verified Answers
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mortgage Broker - Answer- Functions as a middleman between the borrower and the lender, negotiating, selling or arranging loans to be delivered to large investors 
 
Mortgage Banker - Answer- Provide their own funds for the purpose of providing mortgage financing 
 
Correspondent Lender - Answer- Smaller in scale then mortgage bankers or brokers, these lenders typically extended loans with their own funds at their own risk 
 
Origination - Answer- The process of creating a new mortgage loan 
 
U...
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BRITAIN ESSAY PLANS ALL SOLUTION 100% CORRECT SPRING FALL-2023/24 EDITION GUARANTEED GRADE A+
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to what extent did the political landscape change 1918-79? 
ARGUMENT- changes massively, war most prominent change 
 
PARA 1- rise of labour+decline of the liberals. Lloyd-george outed asquith, seen as traitor. caused a split in the liberals, failed to reunite for 1918 election. Tories rejected coalition, allowed labour to rise. ww1 led to more trade union members, no more fptp. labour became the main opposition in 1929, parties shared the goal of getting rid of liberals 
 
PARA 2- ww2. the war ...
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Principles of real estate II (Champions) Exam with complete solutions
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Functional obsolescence - Answer- Refers to the loss in desirability of the style, layout or function of an element of a property over time 
 
Sales comparison - Answer- best indicator of value for existing properties 
 
highest and best use - Answer- the legal use for property that gives the greatest return in money and/or amenities 
 
external obsolescence - Answer- the loss in value of a property caused by factors outside the property itself 
 
principle of contribution - Answer- suggests the...
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FIL 260 Final Exam Study Guide
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Fair Housing Act of 1968 
-It outlawed: Refusal to sell or rent a dwelling to any person because of race, color, religion, sex, 
handicap or national origin. & financing/advertising 
-False statements concerning availability of housing 
-Stating different terms or conditions - lenders: deny loans or specifying different terms 
Federal Truth-in-Lending Law 
-Part of Consumer Credit Protection Act of 1968. Regulation Z 
-Disclosure of all financial charges 
-Interest rate 
-Prepayment penalty 
-La...
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HRCI aPHR Certification questions and answers rated A+ verified to pass
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HRCI aPHR CertificationProfessional Certification - correct answer based on work experience, education, and require re-certification 
 
Certificate Program - correct answer Does not require work experience, education, or re-certification 
 
The Clayton Act (1914) - correct answer prohibits mergers and acquisitions that would less competition, a single person cannot be a director of two or more competing corporations, and restricts use of injunctions against labor, and legalized peaceful strikes,...
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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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Fair Housing DC Latest Update Graded A+
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Fair Housing DC Latest Update 
 
Graded A+ 
 
Additional Penalties for Real Estate Licensees revoked, suspended, denied, or otherwise 
restricted. 
 
Civil Rights Act of 1866 Gave civil rights to newly freed slave 
 
Separate but Equal 1896 Decision made by congress to Plessy vs Ferguson 
 
Civil Rights Act of 1964 outlawed discrimination based on race, color, religion, sex, or 
national origin 
 
7 protected classes race, color, religion, national origin, sex, familial status, handicap 
 
FHEO ...
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HUD Housing Counseling Exam Complete Questions and Answers(RATED A)
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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 a...
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NMLS QUESTIONS WITH SOLUTIONS, GRADED A+
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NMLS QUESTIONS WITH SOLUTIONS, GRADED A+ 
Acceleration Clause 
Allows lenders to demand payment in full if the borrower defaults on the loan (can be construed as predatory lending) 
 
 
 
Alienation Clause (Due on Sale Clause) 
Says you must repay your mortgage if you sell your home to a new owner (loan is not assumable) 
 
 
 
 
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SAFE MLO Exam Questions and Answers Best rated A+ Guaranteed Success Latest Update 2024
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AARMR stands for - American Association of Residential Mortgage Regulations 
AML - Anti-Money Laundering 
Blockbusting - Illegal practice of inducing homeowners to sell their properties cheaply by telling 
them that a certain people of a certain race, national origin or religion are moving into the area, and 
thus profiting by reselling at a higher price 
CC&R - covenants, conditions, and restrictions 
CFPB - The Consumer Financial Protective Bureau - an independent federal agency that holds 
pr...
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