Reviewing All Questions A mortgage loan originator (MLO) should inform their company of potential fraud if the MLO: suspects that a processor is changing pay stubs. suspects that another MLO is co-sponsoring a real estate agent's promotional event. overhears a processor requesting a rush approval on a VA loan. receives multiple applications from an individual real estate agent for a new housing subdivision. 8888 0
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- 92 Which of the following actions is suspicious activity and possibly mortgage fraud? A) The mortgage broker ordering the appraisal B) The appraiser only using independently selected comparables C) The borrower requesting to hand-dellver the Verification of Employment D) The borro er asking che lender to acceot a power of attorey for a hardship situationA mortgage loan originator (MLO) is prohibited from taking which of the following actions? A) Collecting an application fee prior to ordering a credit report B) Assisting a mortgage loan applicant in completing a mortgage application by filling out the form with the MLO's best assumptions C) Accepting a check for the appraisal before the borrower receives the Loan Estimate and intent to proceed D) Accepting a check payable to a title company and forwarding the check to the title company as payment for a title searchWhich one (1) of the following statements is true regarding Replacement Cost insurance? OA) A professional appraisal is required by insurers before they will insure any property for its Replacement Cost. OB) Most insurers do not require an insured to replace a damaged property as a condition to be indemnified for its Replacement Cost. OC) A condition of this coverage is that replacement must be with materials of similar kind and quality. OD) Only commercial properties can be insured for their Replacement Cost.
- D) The title company decides which index type the ARM will use when an applicant closes the loan, and the index type generally will change after loan closing. A Loan Estimate is considered expired and is permitted to be revised by the creditor without additional justification if the consumer indicates an intent to proceed with the transaction more than: A) 1 business day after the Loan Estimate was provided. B) business days after the Loan Estimate was provided. C) 7 business days after the Loan Estimate was provided. D) 10 business days after the Loan Estimate was provided.Which one (1) of the following types of loss or expense is covered under Section I of the Tenants Comprehensive policy? OA) Assessments levied by the landlord to pay for damage caused by tenants to those areas of the premises which they all use. OB) At the insured's option, damage to the portion of the dwelling occupied by the insured as a private residence caused by theft or attempted theft. OC) Fire damage to the dwelling caused by another tenant. OD) Moving expenses incurred by cancellation of the lease agreement resulting from the occurrence of one of the insured perils.1.) which of the following statements is incorrect about life settlement and variables A) the life insurance policy sold to a third party B) the purchase price equals all premiums paid up to the time of the sale C) the cash surrender value is always less than the purchase price D) the proceeds from the sale may be subject to taxes
- Section 404 of the Sarbanes-Oxely Act requires A the establishment of procedures to accept employee compliants B D the principle executive to certify they have reviewed the financial statements C a report of the company's internal control over financial reporting code of ethics requirements for senior officers.true or false ? subject :Sales Management 7. Commission is a fixed sum of the price of the product or service that salespeople earn for their selling efforts. 8. Modified re-buy is the purchase of a product or service that is currently being bought, but for important reasons the buyer is considering same vendors or products again.Elay for Revi Recording The Misstatement of Age provision in an Accident and Health policy allows an insurance company to take which of the following actions if an feared has understated the insured's age on the policy application? OA SOB. SO C. O D. Increase the premium Adjust the benefits Lapse the coverage Cancel the policy Webcas
- If an insurer receives an application for Travel Health insurance that reveals the applicant has a pre-existing medical condition, certain action may be taken. Which one (1) of the following actions would the insurer most likely NOT take? OA) The application may be rejected. OB) Policy benefits may be limited or capped. OC) An additional premium may be required. OD) The application will be referred to a "High-Risk Pool" of insurers.88 Which of the following situations is acceptable according to the Real Estate Settlement Procedures Act (RESPA)? A) A mortaage broker refers a settlement to a borrower and discloses that the agent will receive a portion of the settie fee. B) A mortgage broker refers a borrower to a settlement attorney in exchange for free legal services in the future C) A mortgage lender refers a title company to a borrower and provides a disclosure detailing the nature of the business relationshio and the estimated charges. the title company. D) A mortgage lender refers a real estate broker to a borrower after giving the borrower a prequalification, and the lender receives a portion of the real estate broker's commission.Which of the following is the least important reason for requiring that insurance agents be licensed? A) To establish and maintain high professional and ethical standards B) To protect the public C) To give the government adequate control over the conduct of agents D) To provide additional income to the government through license fees