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Exam (elaborations)

Real Estate Finance Exam 2026 (100+ Q&A) | BOAT110 | Mortgage Loans, FHA/VA, Foreclosure, Lending Laws – Champions School of Real Estate

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This document features over 100 verified questions and answers from the 2026 Real Estate Finance final exam for students at Champions School of Real Estate, aligned with the BOAT110: Real Estate Finance and Lending Principles course. It is structured to assist students and real estate professionals in passing licensing exams and mastering foundational and advanced concepts of property finance. The material covers a broad range of topics critical for real estate finance competency, including: Mortgage loan origination, underwriting, amortization, and loan types FHA and VA loan requirements, ratios, and insurance regulations Primary and secondary mortgage markets, including Fannie Mae, Freddie Mac, and Ginnie Mae Texas-specific programs such as the Texas Veteran’s Loan Program and TDHCA housing initiatives Fair housing, redlining, CRA compliance, and federal lending laws Lien theory, encumbrances, and promissory note structures Foreclosure types (judicial, power of sale, strict), deficiency judgments, and mortgage servicing processes Valuation methods, including market comparison, assessed value, and ad valorem taxation This study guide is ideal for: Students in real estate finance, mortgage lending, property law, or real estate economics Candidates preparing for Texas Real Estate License Exam or National Mortgage Licensing System (NMLS) exams Real estate agents, brokers, loan officers, and appraisers seeking continuing education or exam prep Professionals working in residential, commercial, or investment property financing Every question is matched with a correct, concise answer, allowing for focused learning and high retention. Legal definitions, regulatory policies, and numeric thresholds are clearly stated, aligning with both state and national standards for 2026. Keywords: real estate finance, mortgage origination, FHA loan, VA loan, foreclosure types, amortization, lien theory, mortgage underwriting, TDHCA, Texas real estate exam, promissory note, redlining, community reinvestment act, secondary mortgage market, property valuation

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Uploaded on
January 25, 2026
Number of pages
10
Written in
2025/2026
Type
Exam (elaborations)
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Questions & answers

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  • champions school of real estate finance

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Champions School of Real Estate
Finance 2026 Exam Questions and
Verified Answers | Already Graded A+



Seller's market - 🧠ANSWER ✔✔When supply is low and demand is high


Buyer's market - 🧠ANSWER ✔✔When supply is high and demand is low


The process of creating a new mortgage loan - 🧠ANSWER ✔✔Origination


The detailed process of evaluating a borrower's loan application to

determine the risk involved for the lender - 🧠ANSWER ✔✔Underwriting


When there is an excess of money supply in the market - 🧠ANSWER

✔✔Monetary inflation

, Which agency insures deposits in bank and thrift institution for up to

$250,000? - 🧠ANSWER ✔✔Federal Deposit Insurance Corporation


prohibit housing discrimination based on sex, race, color, religion, national

origin, disabilities, or familial status - 🧠ANSWER ✔✔Federal Fair Housing


All residential mortgage loan originators must now be registered with... -

🧠ANSWER ✔✔Nationwide Mortgage Licensing System and Registry

(NMLSR)

The practice of refusing to provide financing in a particular area because of

the location - 🧠ANSWER ✔✔Redlining


What was the Community Reinvestment Act (CRA)? - 🧠ANSWER ✔✔Law

against bank to ensure that banks would serve the needs of the community


The Texas Veteran's Loan Program - 🧠ANSWER ✔✔Buyes loans from

lender

To participate in the program, the Veteran obtains a FHA, VA, or

conventional loan from participating lenders - 🧠ANSWER ✔✔Texas

Veteran's Loan Program


Texas Veterans Land Loan - 🧠ANSWER ✔✔Charges less in fees
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