Jerry takes out a mortgage at 5.2%. After a few years, his payment increases and he sees that the interest rate of his mortgage is now 6.1%. Which of these mortgage types does Jerry most likely have? ARM loan home equity loan fixed-rate loan package mortgage
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- Ronny took out a 7-year mortgage. For 7 years, he paid the lender monthly payments of $950. Then, after 7 years, his last payment comes due at $55,000. What kind of mortgage did Ronny most likely have? a partially amortized loan a wraparound loan an FHA lean a reverse mortgage109 Which of the following loan types may be considered a qualified loan under ability-to-pay rules? A) An interest-only mortgage B) A loan with a balloon payment C) A loan with negative amortization D) A mortgage with an adjustable rate11 which of the following types of insurance best satisfies the need for permanent insurance protection A endowment B term C whole life D annuity
- During the audit of Albert Eistein, what relevant assertion should be used to record loans receivable net of an allowance for loan losses when allowance should adequately cover any estimated losses inherent in the loan portfolio but not excessive losses? a. Existence or occurrenceb. Valuation or allocationc. Cutoffd. Rights or obligationsWhich item of personal property is not excluded under Coverage C of the Dwelling Program? A: Credit card or fund transfer card loss in any amount when stolen. B: Manuscripts. C: Animals, birds or fish owned by the insured. D: Mausoleums owned by the insured.In the 5 C's of credit, "conditions" refers to the fact that lenders and investors must be satisfied with the owner's character. * O True O False
- What is the APR on a $700,000 fixed rate mortgage loan fully amortizing over 30 years if the stated annual interest rate is 5.5% and the lender charges 1.5% as an origination fee, $750 for an appraisal and $18 for a credit report? a.5.65% b.5.72% c.5.36% d. 5.5%A shopping center investor bought a 36,000 square foot shopping center in Calabasas, California with a 25-year fully amortizing fixed rate mortgage loan at a stated annual interest rate of 5.5%, a loan to value ratio of 80%, and a down payment of $600,000. What was the purchase price of the property? a.$750,000 b.$480,000 c.$2,400,000 d. $3,000,000In order to raise capital, XYZ company decided to issue loan certificates. The loan certificates have fixed interest rate of 20% and payable over 10 years. Therefore, XYZ company is raising capital through O None of the options Selling shares Debentures Equity finance II
- The actual cash value of a property is BEST described as: OA its original cost only its original cost less depreciation its replacement cost less depreciation the cost to repair or rebuild the property OD. ReKayla took out an amortized loan of $240,000 with a 5% interest rate. Her monthly payment is $1,288.37. How much will she pay in interest on her first monthly payment? $1.200 $1.150 $1.000 $900HC6Q 2) Mr. Hamid bought a new home in Wave Muscat for OMR 65000. If he puts OMR 5000 as down payment. Bank Dhofar is ready to finance at rate of 8.00% for 20 years. Amortization Table (Partial- Mortgage principal and interest per 1000) Terms in years 5.50% 10 12 15 17 20 6.50% 11.36 10.02 8.72 7.00% 11.62 10.29 8.99 8.40 76 7.50% 11.88 8.00% 8.50% 12.40 6.00% 9.00% 10.86 9.51 8.18 11.11 9.76 8.44 12. 14 10.83 9.56 8.99 8.37 12.67 11.39 10.15 9.59 9.00 10.56 9.28 11.11 9.85 7.56 6.88 7.84 7.17 8.12 7.46 8.69 8.06 9.29 8.68 i) The mortgage is OMR. I) The monthly payment for Mr. Hamid is OMR . II) Total cost of interest for Mr. Hamid is OMR. iv) Balance of payment at the end of 1st month payment is OMR.