Truth in lending act Study guides, Class notes & Summaries
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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...
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WGU - D265 - Critical Thinking - Reason and Evidence Latest Update (2022/2023) Already Passed
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WGU - D265 - Critical Thinking - Reason and Evidence Latest Update (2022/2023) Already Passed PROPOSITIONS Are statements that can be true or false 
NON-PROPOSITONS Are sentences that are not statements about matters of fact or fiction. They do not make a claim that can be true or false. 
SIMPLE PROPOSITIONS Have no internal logic structure, meaning whether they are true or false does not depend on whether a part of them is true or false. They are simply true or false on their own. (Example: Har...
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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...
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Champions School Of Real Estate – FINANCE Exam || Complete Questions & Answers (Graded A+)
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Champions School Of Real Estate – FINANCE Exam || Complete Questions & Answers (Graded A+) 
Champions School Of Real Estate – FINANCE Exam || Complete Questions & Answers (Graded A+) 
 
The process of creating a new mortgage loan, including all steps taken by a lender to attract and qualify a borrower are _____. - ANSWER - Origination activities 
 
The process of evaluating a borrower's loan application to determine the risk involved for the lender is - ANSWER - Underwriting 
 
Which of the...
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Law of Contract Final exam
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This generally refers to a governmental entity's legal authority to force a private landowner to sell his or her real property for public use. 
 
 A) Condemnation 
 B) Taxation 
 C) Police power 
 D) Eminent domain - Answer- D) Eminent domain 
 
Precedents are determined by: 
 
 A) Statutory Law 
 B) Case law 
 C) TRELA 
 D) DTPA - Answer- Wrong A) Statutory Law? 
 
This estate may be terminated at will of either party. It has no duration limitation. 
 
 A) Estate at will 
 B) Estate from perio...
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CRCR Exam Prep questions and answers 2023/2024
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CRCR Exam Prep 
What are collection agency fees based on? - correct answer A percentage of dollars collected 
 
Self-funded benefit plans may choose to coordinate benefits using the gender rule or what other rule? - correct answer Birthday 
 
In what type of payment methodology is a lump sum or bundled payment negotiated between the payer and some or all providers? - correct answer Case rates 
 
What customer service improvements might improve the patient accounts department? - correct answer Ho...
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RMLO - Champions School of Real Estate| 109 questions with 100% correct answers
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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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The US Banking System 3rd Edition by Center for Financial Training - Test Bank
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Name Clas Dat : s: e: 
CHAPTER 01—THE BUSINESS OF BANKING 
 1. A bank is a not-for-profit organization. a. 
b. 
True False 
False 
1 
BNKG.CFFT.3.LO: 1.1.1 - LO: 1.1.1 
ANSWER: 
POINTS: 
LEARNING OBJECTIVES: 
2. All federally chartered banks must be corporations. 
a. True 
ANSWER: 
POINTS: 
LEARNING OBJECTIVES: 
b. False True 
1 
BNKG.CFFT.3.LO: 1.1.1 - LO: 1.1.1 
3. Commercial banks offer their services only to businesses. 
ANSWER: 
POINTS: 
LEARNING OBJECTIVES: 
5. Issuing credit cards is ...
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Pearson Vue Test Questions and answers, 100% Accurate, Graded A+. Approved.
- Exam (elaborations) • 42 pages • 2023
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Pearson Vue Test Questions and answers, 100% Accurate, Graded A+. Approved. 
 
 
Which of the following terms BEST describes personal property that, by its attachment to real property, is regarded as real estate? 
 
A. 
Emblements 
 
B. 
Personality 
 
C. 
Fixtures 
 
D. 
Appliances - -C 
 
A salesperson who completes a written listing agreement with a seller is helping to create a contractual relationship between the: 
 
A. 
salesperson and the seller 
 
B. 
salesperson and the buyer 
 
C. 
sal...
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NMLS Safe Test Mortgage Licensing Practice Exam with 100% correct answers 2022-23
- Exam (elaborations) • 29 pages • 2022
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Which federal law requires that the Loan Estimate be provided to the borrower within 
three business days of the time of loan application is taken? - ANSWER-TILA 
What type of scam entails homeowners who are encouraged to refinance their property 
over and over until little or no equity remains? - ANSWER-Loan flipping or churning 
After a loan closing, funds are disbursed. When are the funds disbursed for an owneroccupied, residential refinance? - ANSWER-After 3 business-day rescission period 
W...
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