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NJ TITLE PRODUCER TITLE FINAL EXAM
2025/2026 QUESTIONS WITH COMPLETE
SOLUTIONS
Riparian rights refer to an owner's rights:
A) To an adjoining navigable waterway
B) When a body of water permanently recedes
C) To an adjoining non-navigable waterway
D) To oceanfront property - ANSWER ✔✔- C) To an adjoining non-navigable
waterway
The right of a mortgagor in default, to pay the balance
of the loan and retain possession of the property, is
called:
A) The equity of redemption
B) Hypothecation
C) Subrogation
D) Right of re-possession - ANSWER ✔✔- A) The equity of redemption
A title insurance policy will protect a buyer from
financial losses that are caused by:
A) A change in zoning regulations
B) A recorded easement to which the policy has not
taken an exception
C) An unrecorded easement
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D) An encumbrance to which the policy has not taken an exception - ANSWER
✔✔- D) An encumbrance to which the policy has not taken an exception
The process under which the government may take real
property for the greater public good:
A) Condemnation
B) The allodial system
C) Police power
D) Escheat - ANSWER ✔✔- A) Condemnation
A deed in which the grantor warrants that title was
unencumbered for as long as the grantor held it:
A) Bargain and sale deed
B) Bargain and sale deed. CVG
C) Warranty deed
D) Sheriff's deed - ANSWER ✔✔- B) Bargain and sale deed. CVG
Charging an interest rate higher than the legal limit is
called:
A) Graft
B) Compounding
C) Usury
D) Discounting - ANSWER ✔✔- C) Usury
Which statement about an oral sales contract that involves the sale of real estate is
correct?
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A) It may not be enforceable if a breach takes place
B) It is not subject to the Statute of Frauds
C) It is a common method of consummating a sale
D) It is assignable to a third party - ANSWER ✔✔- A) It may not be enforceable if
a breach takes place
If a buyers purchased a home for $142500 and secures a loan for 100 percent of the
purchase price which of the following types of loans did they (MOST) likely
obtain?
A) VA-guaranteed
B) FHA insured
C) Conventional
D) Wraparound - ANSWER ✔✔- A) VA-guaranteed
One of the required of a valid real estate sales
contract is that it MUST:
A) Be signed by the seller
B) Provide for possession of the property by the buyer
C) Provide for installment payments
D) Contain a metes and bounds description of the property - ANSWER ✔✔- A) Be
signed by the seller
An IN REM proceeding would indicate:
A) A general lien
B) Constructive eviction
C) A specific Lien
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D) A deficiency judgment - ANSWER ✔✔- C) A specific Lien
An easement in gross is typically a:
A) Right of way
B) Public utility easement
C) Land acquisition
D) Dominant estate - ANSWER ✔✔- B) Public utility easement
An attachment is likely result of:
A) A home improvement
B) An addendum to contract
C) A sale and leaseback
D) Pending litigation - ANSWER ✔✔- D) Pending litigation
A lender is required under the Truth-in-Lending Act
(Regulation Z) to furnish an applicant for a real estate
loan with a copy of a/an:
A) Amortization
B) Disclosure statement
C) Deed
D) Financial Statement - ANSWER ✔✔- B) Disclosure statement
The term Point of Beginning (POB) is best associated with which of the following:
A) Mortgage finance
B) People on board vessel departure
NJ TITLE PRODUCER TITLE FINAL EXAM
2025/2026 QUESTIONS WITH COMPLETE
SOLUTIONS
Riparian rights refer to an owner's rights:
A) To an adjoining navigable waterway
B) When a body of water permanently recedes
C) To an adjoining non-navigable waterway
D) To oceanfront property - ANSWER ✔✔- C) To an adjoining non-navigable
waterway
The right of a mortgagor in default, to pay the balance
of the loan and retain possession of the property, is
called:
A) The equity of redemption
B) Hypothecation
C) Subrogation
D) Right of re-possession - ANSWER ✔✔- A) The equity of redemption
A title insurance policy will protect a buyer from
financial losses that are caused by:
A) A change in zoning regulations
B) A recorded easement to which the policy has not
taken an exception
C) An unrecorded easement
,2|Page
D) An encumbrance to which the policy has not taken an exception - ANSWER
✔✔- D) An encumbrance to which the policy has not taken an exception
The process under which the government may take real
property for the greater public good:
A) Condemnation
B) The allodial system
C) Police power
D) Escheat - ANSWER ✔✔- A) Condemnation
A deed in which the grantor warrants that title was
unencumbered for as long as the grantor held it:
A) Bargain and sale deed
B) Bargain and sale deed. CVG
C) Warranty deed
D) Sheriff's deed - ANSWER ✔✔- B) Bargain and sale deed. CVG
Charging an interest rate higher than the legal limit is
called:
A) Graft
B) Compounding
C) Usury
D) Discounting - ANSWER ✔✔- C) Usury
Which statement about an oral sales contract that involves the sale of real estate is
correct?
,3|Page
A) It may not be enforceable if a breach takes place
B) It is not subject to the Statute of Frauds
C) It is a common method of consummating a sale
D) It is assignable to a third party - ANSWER ✔✔- A) It may not be enforceable if
a breach takes place
If a buyers purchased a home for $142500 and secures a loan for 100 percent of the
purchase price which of the following types of loans did they (MOST) likely
obtain?
A) VA-guaranteed
B) FHA insured
C) Conventional
D) Wraparound - ANSWER ✔✔- A) VA-guaranteed
One of the required of a valid real estate sales
contract is that it MUST:
A) Be signed by the seller
B) Provide for possession of the property by the buyer
C) Provide for installment payments
D) Contain a metes and bounds description of the property - ANSWER ✔✔- A) Be
signed by the seller
An IN REM proceeding would indicate:
A) A general lien
B) Constructive eviction
C) A specific Lien
, 4|Page
D) A deficiency judgment - ANSWER ✔✔- C) A specific Lien
An easement in gross is typically a:
A) Right of way
B) Public utility easement
C) Land acquisition
D) Dominant estate - ANSWER ✔✔- B) Public utility easement
An attachment is likely result of:
A) A home improvement
B) An addendum to contract
C) A sale and leaseback
D) Pending litigation - ANSWER ✔✔- D) Pending litigation
A lender is required under the Truth-in-Lending Act
(Regulation Z) to furnish an applicant for a real estate
loan with a copy of a/an:
A) Amortization
B) Disclosure statement
C) Deed
D) Financial Statement - ANSWER ✔✔- B) Disclosure statement
The term Point of Beginning (POB) is best associated with which of the following:
A) Mortgage finance
B) People on board vessel departure
