MISSOURI TITLE INSURANCE PRODUCER EXAM
2024/2025 – QUESTIONS AND VERIFIED ANSWERS
|| 100% GUARANTEED PASS <RECENT VERSION>
1. What is the primary purpose of title insurance?
A. To guarantee the property's value will appreciate.
B. To protect the lender and/or owner from financial loss due to defects in the title.
C. To insure the property against fire and flood damage.
D. To act as a home warranty for mechanical systems.
Answer: B
2. In a standard real estate transaction, who typically pays for the owner's
title insurance policy in Missouri?
A. The Buyer
B. The Seller
C. The Real Estate Agent
D. The Lender
Answer: B
3. The "chain of title" refers to:
A. The sequence of mortgage lenders on a property.
B. The legal description of the property's boundaries.
C. The history of ownership transfers for a parcel of land.
D. The list of all recorded easements and restrictions.
Answer: C
4. Which of the following is a common defect or "cloud on the title" that title
insurance protects against?
A. A previously undisclosed mechanic's lien.
B. Future zoning changes by the city.
C. Normal wear and tear on the property.
D. A drop in the local real estate market.
Answer: A
, 5. The document that provides a summary of the conditions and exceptions
affecting the title is the:
A. Title Commitment
B. Deed of Trust
C. Preliminary Report
D. Both A and C
Answer: D
6. In Missouri, a "bona fide purchaser for value" is protected against which
type of interest?
A. A properly recorded easement.
B. An unrecorded deed held by a previous owner.
C. A future property tax assessment.
D. All of the above.
Answer: B
7. What is the function of a deed?
A. To create a lien on the property as security for a loan.
B. To legally transfer an ownership interest in real property from one party to
another.
C. To certify that the title is free and clear of all defects.
D. To outline the terms of the mortgage.
Answer: B
8. A legal right for a person or entity to use part of another's property for a
specific purpose is known as a(n):
A. Encroachment
B. Lien
C. Easement
D. Encumbrance
Answer: C
9. Which type of lien takes priority over all other liens in Missouri?
A. First Mortgage Lien
B. Mechanic's Lien
2024/2025 – QUESTIONS AND VERIFIED ANSWERS
|| 100% GUARANTEED PASS <RECENT VERSION>
1. What is the primary purpose of title insurance?
A. To guarantee the property's value will appreciate.
B. To protect the lender and/or owner from financial loss due to defects in the title.
C. To insure the property against fire and flood damage.
D. To act as a home warranty for mechanical systems.
Answer: B
2. In a standard real estate transaction, who typically pays for the owner's
title insurance policy in Missouri?
A. The Buyer
B. The Seller
C. The Real Estate Agent
D. The Lender
Answer: B
3. The "chain of title" refers to:
A. The sequence of mortgage lenders on a property.
B. The legal description of the property's boundaries.
C. The history of ownership transfers for a parcel of land.
D. The list of all recorded easements and restrictions.
Answer: C
4. Which of the following is a common defect or "cloud on the title" that title
insurance protects against?
A. A previously undisclosed mechanic's lien.
B. Future zoning changes by the city.
C. Normal wear and tear on the property.
D. A drop in the local real estate market.
Answer: A
, 5. The document that provides a summary of the conditions and exceptions
affecting the title is the:
A. Title Commitment
B. Deed of Trust
C. Preliminary Report
D. Both A and C
Answer: D
6. In Missouri, a "bona fide purchaser for value" is protected against which
type of interest?
A. A properly recorded easement.
B. An unrecorded deed held by a previous owner.
C. A future property tax assessment.
D. All of the above.
Answer: B
7. What is the function of a deed?
A. To create a lien on the property as security for a loan.
B. To legally transfer an ownership interest in real property from one party to
another.
C. To certify that the title is free and clear of all defects.
D. To outline the terms of the mortgage.
Answer: B
8. A legal right for a person or entity to use part of another's property for a
specific purpose is known as a(n):
A. Encroachment
B. Lien
C. Easement
D. Encumbrance
Answer: C
9. Which type of lien takes priority over all other liens in Missouri?
A. First Mortgage Lien
B. Mechanic's Lien
