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Real Estate Licensing Virginia Real Estate Salesperson Sample Questions:

1. Ernest is a third-party trustee who is holding a title for the lender of a home loan that is secured by a trust deed. The title gives Ernest limited rights sufficient to carry out the terms of the trust. What kind of title does Ernest hold?

A) skinny title
B) naked title
C) dirty title
D) clean title

2. What do ostensible agency and agency by estoppel have in common?

A) They both arise when a third party correctly believes that agency exists between a principal and an agent.
B) They both arise when a third party is ted to mistakenly believe that agency exists between a principal and an agent.
C) They are both forms of third-party agency no longer recognized in the U.S.
D) They both concern a third party's decision to go unrepresented in a transaction.

3. When the CFPB introduced the new TRID rules integrating RESPA and TILA rules, what two disclosure forms did they mandate lenders provide to borrowers?

A) the Good Faith Estimate and the HUD-1
B) the Settlement Statement and the Loan Disclosure
C) the Loan Estimate and the Closing Disclosure
D) the TILA disclosure and the RESPA disclosure

4. A form of insurance that protects the policyholder by covering any losses they might incur as a result of theft or fraud by specified individuals is:

A) a risk management bond
B) a fidelity bond
C) a liability bond
D) a security bond

5. Rosa is trying to get approved for a loan so she can purchase a new home. What type of value will the lender use to determine whether or not to approve Rosa's loan?

A) appraised value
B) market value
C) insurable value
D) assessed value

Solutions: