110 Non-qualified mortgages offer more options for borrowers who: A) are unemployed. B) are self-employed. C) have no down payment. D) are currently living with their parents.
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- 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 lacks a history in an industry that requires specific skills. B) The borrower has been employed by the same company for three years. C) A recent college graduate holds a high-level position in the organization. D) The residence is more than 120 miles from the work location on a refinance.Describe 3 criteria of the 13 minimum standards on which plan status is determined to qualify retirement plans for preferential tax treatmentThrifts invest in mortgages for which of the following reasons? I. Regulatory incentives to remain concentrated in mortgages II. To reduce interest rate risk III. Managerial expertise in mortgages IV. To engage in matched funding O II and III O I and II O II and IV O I and III.
- What is the main reason lenders pay borrowers' property taxes through a pre-paid escrow account? It prevents a tax lien from being applied to the home. The tax lien would be senior to the mortgage lien. It prevents the borrower from refinancing with another lender because they would lose all of their escrow funds. It allows the lender to earn interest on the pre- paid tax money as itsits in the account. It allows the lender to take advantage of corporate tax deductions.90 Which of the following types of income are considered as qualifying when applying for a mortgage loan? A) Reimbursed expenses B) Net rental income C) Family gifts D) Federal tax refundDescribe three criteria of the 13 minimum standards on which plan status is determined to qualify retirement plans for preferential tax treatment.
- What factors should businesses consider when determining financing needs to determine whether they can repay the debt? a. Inventory b. Depreciation c. Liquidity d. EquityAccording to the Real Estate Settlement Procedures Act (RESPA), which of the following information is required for a completed application for an extension of credit? A) A bank statement B) The purchase contract C) The borrower's date of birth D) The mortgage loan amount soughtA borrower wants to lower the amount of money they pay in interest over the life of a loan. Which of these tactics is best for decreasing the amount of interest the borrower would pay? making payments small enough to create negative amortization never defaulting on a monthly payment making monthly payments on a non- amortized loan making biweekly payments on an amortized loan
- In a subprime loan, interest rates are: equal to prime loan rates unrelated to a borrower's credit score higher than prime loan rates lower than prime loan ratesSize of the Warehouse Good Market ($) Fair Market ($) Poor Market ($) Small 40,000 18,000 -10,000 Medium 80,000 90,000 -20,000 Large Very Large 100,000 350,000 175,000 -40,000 -160,000 25,000 Probabilities 0.35 0.45 0.20With the success of your business, you are ready to establish a storefront. However, you do not have the necessary funds to acquire the building and pay the necessary rent. You are considering borrowing a short-term note from a bank for $130,000. Required part B. Research the lending practices of a local bank. Determine the interest rate charged for a $130,000 loan. What collateral does the bank require to secure the loan? Determine your overall payback amount if you were to repay the loan in less than one year. Choose either a payback with periodic payments or all at the end of the loan term and compare the outcomes. After conducting your research, would you consider borrowing the money? What positive and negative outcomes accompany borrowing the money? Instead of borrowing on a short-term note, you are thinking on borrowing $130,000 and signed a 5-year, note payable with a 12% interest rate. Each annual payment is in the amount of $34,920 and payment is due each Dec. 31. What is…
