Prepayment risk Study guides, Class notes & Summaries
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![CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023](/docpics/3693748/65391122636a7_3693748_121_171.jpeg)
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 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...
![Champions Real Estate Finance Exam Questions and Answers 2023](/docpics/641ca09664675_2508104.jpg)
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Champions Real Estate Finance Exam Questions and Answers 2023
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_____ is the consummation of a contractual real estate transaction in which all appropriate documents are signed, and the mortgage loan proceeds are disbursed by the lender. - Answer- Closing 
 
The primary determinants of real estate values are supply and _____. - Answer- Demand 
 
_____ is something of value that can be pledged as security for repayment of a loan. - Answer- Collateral 
 
Servicing includes which of the following activities? - Answer- Maintaining records of payment 
 
The monet...
![Financial Reporting Financial Statement Analysis and Valuation 9th Edition Wahlen Solutions Manual](/docpics/632c73102f03c_1978118.jpg)
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Financial Reporting Financial Statement Analysis and Valuation 9th Edition Wahlen Solutions Manual
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Principle of Finance Milestone 3 Sophia Course,100% correct-Principle of Finance Milestone 3 Sophia Course 1 You invest $1,000 in a stock that has a 15% chance of a 1% return, a 60% chance of a 5% return and a 25% chance of a 7% return. What is your expected return after one year? · 4.3% · 4.9% �� 4.5% · 5.3% CONCEPT Expected Return 2 Which of the following credit ratings would make a country or company have the easiest time raising capital? · CC · A · BBB · AAA CONCEPT The Impact of ...
![CFA Level 1 - 101 Must Knows 368 Questions with Verified Answers,100% CORRECT](/docpics/2866636/6480c71d49128_2866636_121_171.jpeg)
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CFA Level 1 - 101 Must Knows 368 Questions with Verified Answers,100% CORRECT
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CFA Level 1 - 101 Must Knows 368 Questions with Verified Answers 
 
Addition Rule of Probability - CORRECT ANSWER ADDITION: P(A or B) = P(A) + P(B) - P(AB) 
 
Roy's Safety First Criterion - CORRECT ANSWER Safety First Ratio = (E(R) - Rₜ) / σ 
 
Larger ratio is better 
 
If (Rₜ) is risk free rate, then it becomes Sharpe Ratio 
 
Sharpe Ratio - CORRECT ANSWER Sharpe Ratio = (E(R) - RFR) / σ 
 
Larger ratio is better 
 
If (Rt) is higher than RFR, then it becomes Safety First Ratio 
 
Centra...
![REE Final Exam questions with complete solutions](/docpics/5467864/66566c115dede_5467864_121_171.jpeg)
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REE Final Exam questions with complete solutions
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With respect to bearing the risk of future property price fluctuations, which of the following lending relationships is viewed as the most risky from the borrower's perspective? Correct Answer-Straight debt 
 
Developers may be attracted to a _______________________which enables them to proceed with construction without long term financing, if they expect to sell the project or refinance into a permanent loan before the term of the ______________________expires. Correct Answer-Mini-perm loan 
 ...
![SIE Exam Latest Updated Graded A](/docpics/641af10cbdfec_2501401.jpg)
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SIE Exam Latest Updated Graded A
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What type of risk is unique to a specific industry, business enterprise, or investment type? - ANSWER-Nonsystematic risk 
 
Under which of the following circumstances is an investor in a position to acquire stock? - ANSWER-Buy a call, sell a call (The holder of a call has the right to buy stock at the strike price if exercised. The seller of a put is obligated to buy stock at the strike price if exercised) 
 
Options- a premium - ANSWER-the cost of an option contract, expressed in dollars per sh...
![AUE2601 EXAM PACK 2023](/docpics/63e663fac6c04_2357490.jpg)
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AUE2601 EXAM PACK 2023
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OCTOBER/NOVEMBER 
1.5) 
Password controls 
 Passwords should be unique to each individual (group passwords should not be used). 
 Passwords should consist of at least six characters, be random not obvious, and a mix of 
letters, numbers, upper/lower case and symbols. 
 Passwords/user-IDs for terminated or transferred personnel should be removed/disabled 
at the time of termination or transfer. 
 Passwords should be changed regularly and users should be forced by the system, to...
![FAC1601 EXAM PACK 2023](/docpics/63e664e2aadfb_2357502.jpg)
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FAC1601 EXAM PACK 2023
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FAC1601-Exam-Pack - Exam pack 
Financial Accounting and Reporting (University of South Africa) 
lOMoARcPSD| 
Financial Accounting 1B 
Study & Exam Pack for FAC1601 © 2014 
This is prepared for UNISA undergraduate students undertaking the module FAC1601. The past exam 
papers used as a way of practicing the concept emphasized in the study guide for this module 
Compiled by Levison Kamanga (check his profile on ), for and on behalf of 
“Inspired to impact with a difference” 
All the que...
![NMLS SAFE EXAM STUDY GUIDE](/docpics/5003186/661c54c4ec539_5003186_121_171.jpeg)
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NMLS SAFE EXAM STUDY GUIDE
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NMLS SAFE EXAM STUDY GUIDE 
 
What does TILA stand for? - Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan? - a secured loan in that you are borrowing against the equity that has 
been built in your house 
 
What is a REFI loan? - 
 
LTV stands for - Loan to Value 
 
Define PMI and state what the acronym stands for. - Private mortgage insurance- on 
conventional loans 
 
Define one time variable funding fee and people in what situations is it waived for? - 
Disabled veterans and survi...
![NMLS MLO Exam with Complete Solutions | A+ Grade](/docpics/5102326/662a21bba2ea2_5102326_121_171.jpeg)
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NMLS MLO Exam with Complete Solutions | A+ Grade
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What must a borrower do to avoid having late payments reported to a credit bureau? - Pay within 
30 days of due date 
Max penalty if a borrower is required to use a specific title company or settlement agent? - 3 times 
the fee 
What should not be over-weighted in an analysis of borrower repayment capacity? - Credit scores 
Max prepayment penalty on residential mortgages in the first year of the loan - 3% 
What must condominium associations do with respect to property insurance? - Keep a "blank...
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