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質問 1：
Which of the following lender payments is prohibited according to Real Estate Settlement Procedures Act (RESPA)?
A. A payment to a real estate agent for loan referral activities
B. A payment to an attorney for services actually rendered
C. A payment to its own employees for lender referral activities
D. A payment to the lender's duly appointed agent or contractor for services actually performed in the origination, processing or funding of a loan
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 2：
Which of the following fees must remain the same unless a valid changed circumstance occurs?
A. Total per diem interest
B. Fees paid to an affiliate of the lender
C. Owner's title insurance premium
D. Homeowner's insurance
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 3：
A real estate broker overhears her buyer discussing what she believes to be illegal activities while on a phone conversation. The real estate broker notifies the buyer's mortgage loan originator (MLO) that the borrower may be using illegally acquired funds as down payment for this property. The MLO decides to report some suspicious cash deposit transactions found in the borrower's bank records. Under the Patriot Act, the MLO may discuss the filing of this report with which of the following parties, if any?
A. His loan processor
B. The report Is not permitted to be discussed with any parties involved in the transaction.
C. The buyer's agent
D. All parties involved in the transaction
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 4：
Which of the following fees or charges is an allowable closing cost typically found on a Closing Disclosure?
A. Yield-to-loan fee
B. Referral fee
C. Origination charge
D. Servicing fee
正解：C
解説: (Pass4Test メンバーにのみ表示されます)
質問 5：
A lender is permitted to accept the employment information provided by the borrower on the initial loan application without asking for a letter of explanation in which of the following circumstances?
A. The borrower has been employed by the same company for three years.
B. A recent college graduate holds a high-level position in the organization.
C. The borrower lacks a history in an industry that requires specific skills.
D. The residence is more than 120 miles from the work location on a refinance.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 6：
Which of the following activities is an example of redlining in mortgage lending?
A. The systematic denial of various services to residents of specific, often racially associated, neighborhoods or communities, either explicitly or through the selective raising of prices
B. The act of the mortgage lender putting a "red line" under the borrower's name in a file to indicate they are a substandard applicant
C. Ensuring that all creditworthy borrowers are afforded equal treatment when applying for a mortgage loan
D. The mortgage loan originator convincing the underwriter to move their loan file to the front of the line or "redline" it
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
Which of the following lender payments is prohibited according to Real Estate Settlement Procedures Act (RESPA)?
A. A payment to a real estate agent for loan referral activities
B. A payment to an attorney for services actually rendered
C. A payment to its own employees for lender referral activities
D. A payment to the lender's duly appointed agent or contractor for services actually performed in the origination, processing or funding of a loan
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 2：
Which of the following fees must remain the same unless a valid changed circumstance occurs?
A. Total per diem interest
B. Fees paid to an affiliate of the lender
C. Owner's title insurance premium
D. Homeowner's insurance
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 3：
A real estate broker overhears her buyer discussing what she believes to be illegal activities while on a phone conversation. The real estate broker notifies the buyer's mortgage loan originator (MLO) that the borrower may be using illegally acquired funds as down payment for this property. The MLO decides to report some suspicious cash deposit transactions found in the borrower's bank records. Under the Patriot Act, the MLO may discuss the filing of this report with which of the following parties, if any?
A. His loan processor
B. The report Is not permitted to be discussed with any parties involved in the transaction.
C. The buyer's agent
D. All parties involved in the transaction
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 4：
Which of the following fees or charges is an allowable closing cost typically found on a Closing Disclosure?
A. Yield-to-loan fee
B. Referral fee
C. Origination charge
D. Servicing fee
正解：C
解説: (Pass4Test メンバーにのみ表示されます)
質問 5：
A lender is permitted to accept the employment information provided by the borrower on the initial loan application without asking for a letter of explanation in which of the following circumstances?
A. The borrower has been employed by the same company for three years.
B. A recent college graduate holds a high-level position in the organization.
C. The borrower lacks a history in an industry that requires specific skills.
D. The residence is more than 120 miles from the work location on a refinance.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 6：
Which of the following activities is an example of redlining in mortgage lending?
A. The systematic denial of various services to residents of specific, often racially associated, neighborhoods or communities, either explicitly or through the selective raising of prices
B. The act of the mortgage lender putting a "red line" under the borrower's name in a file to indicate they are a substandard applicant
C. Ensuring that all creditworthy borrowers are afforded equal treatment when applying for a mortgage loan
D. The mortgage loan originator convincing the underwriter to move their loan file to the front of the line or "redline" it
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
Takagi -
一問一問実際に手を動かして書いてみる練習で合格を手にしました。Pass4Testの問題集MLOはいつも素敵でございますね。