Mortgage lending Study guides, Class notes & Summaries
Looking for the best study guides, study notes and summaries about Mortgage lending? On this page you'll find 2807 study documents about Mortgage lending.
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RMLO - Champions School of Real Estate| 109 questions with 100% correct answers
- Exam (elaborations) • 12 pages • 2023
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A market for the purchase and sale of existing mortgages designed to provide greater liquidity for selling mortgages is called the ________. 
secondary market 
 
 
 
The Federal agency established to restore Fannie Mae and Freddie Mac to a sound and solvent financial condition is _____. 
Federal Housing Finance Agency (FHFA) 
 
 
 
The ____ guarantee allows mortgage lenders to obtain a better price for their loan in the capital markets. 
Gov't. National Mortgage Association - Ginnie Mae 
 
 
 
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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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REAL ESTATE FINANCE PRACTICE EXAM NEW SOLUTION 2023 COMPLETE EXAM UPDATE
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A __________ is a permanent change in one or more of the terms of a borrower's loan. 
Loan Qualification 
Loan Modification 
Loan Approval 
Loan Origination - ANS IS Loan Modification 
What time period must borrowers have in job history with the same employer to qualify? 
2 months 
6 months 
1 year 
2 years - ANS IS 2 years 
Unscrupulous actions carried out by a lender to entice, induce and/or assist a borrower 
in taking a mortgage that carries high fees, a high interest rate, strips the borro...
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
- Exam (elaborations) • 22 pages • 2023
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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Solutions for Financial Markets and Institutions, 8th Edition Saunders (All Chapters included)
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Complete Solutions Manual for Financial Markets and Institutions, 8th Edition by Anthony Saunders, Marcia Millon Cornett, Otgo Erhemjamts ; ISBN13: 9781260772401. (Full Chapters included Chapter 1 to 25). ... 
Chapter 1: Introduction. 
Chapter 2: Determinants of Interest Rates. 
Chapter 3: Interest Rates and Security Valuation. 
Chapter 4: The Federal Reserve System, Monetary Policy, and InterestRates. 
Chapter 5: Money Markets. 
Chapter 6: Bond Markets. 
Chapter 7: Mortgage Markets. 
Chapter 8:...
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NYS Real Estate Exam 2024
- Exam (elaborations) • 27 pages • 2024
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NYS Real Estate Exam 2024 
Which of the following is considered a fixed operating expense? utilities, cleaning expenses, 
insurance premiums, management fees. - Answer ️️ -Insurance Premiums 
What is overage rent? - Answer ️️ -Rent calculated on a percentage of sales volume 
what is the amount a buyer owes at closing equal to? - Answer ️️ -The excess of the buyers 
debits over the buyers credits 
real estate agents are typically what kind of agent - Answer ️️ -special agent 
what...
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CE Shop Final Exam 2023 Correct 100%
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The components that make up a borrower's mortgage payment can best be remembered using which acronym? - ANSWER PITI (principal, interest, taxes, and insurance) 
 
From a real estate professional's point of view, what's the purpose of qualifying buyers? - ANSWER To determine the buyer's readiness to buy 
 
Activities that restrain trade and reduce competition and choices for consumers are considered to be what kind of violations? - ANSWER Antitrust 
 
Which of the following best describes mar...
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UGBA 135 Midterm #1 Exam With 100% Correct Answers 2023
- Exam (elaborations) • 14 pages • 2023
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UGBA 135 Midterm #1 Exam With 100% Correct Answers 2023 
21st Century Millionare 
- Someone who can financially take care of themselves without help from any government agency, living the life they want to lead 
- After working for 40 years, only 5% of people are financially independent (don't need government assistance) 
- Cornerstone of their wealth = being frugal (not cheap, but value-oriented) --> budget and spend carefully, live within their means 
- People who succeed have goals 
 
 
D...
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CUCE - Mortgage Lending Regulations | Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 12 pages • 2023
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Variable rate disclosure scope? - ARMs with a term of greater than one year secured by the 
borrowers principal dwelling 
When is a variable rate disclosure delivered? - At Application 
Consumer handbook and adjustable rate mortgages scope? - ARMs with a term of greater than one 
year secured by the borrowers principal dwelling. 
When is a consumer handbook on adjustable rate mortgages delivered? - At Application 
What is the definition of within three business days of application? - Any day in ...
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Florida Real Estate STATE exam Questions and Answers 100% Pass
- Exam (elaborations) • 15 pages • 2023
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Florida Real Estate STATE exam Questions and Answers 100% Pass 
The best protection that the public has during a Real Estate transaction is (are) 
A. The national and state association of REALTORS 
B. The punishment of licensees dealing dishonesty 
C. the high ethical standards of real estate agents D. FREC and the license law D. FREC and the license law 
A group license 
A. allows a broker to have a branch office 
B. allows a sales associate to work for more than one broker 
C. may be held by a...
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