These laws prohibit discrimination based on race, religion, color, sex, disability, children, nationality and more. At the very end of each exam, there is a recap of the questions you got right or wrong, which is also very helpful to look at. Specific performance is a legal remedy that binds the parties of a contract to the terms of the contract. Never feel alone! Article 12-A of the NYS Real Property Law, - The section of the New York Real Property Law. As a listing agent, what obligations do you owe to an unrepresented buyer? A document issued by a governmental authority that a building is ready and fit for occupancy. Also determines the 'bulk' of a house or a building, meaning the maximum size of the structure (height, square footage, size of floor plate). - The practice of inducing homeowners in a particular neighborhood to sell their homes quickly, often at below market prices, by creating the fear that the entry of a minority group or groups into the neighborhood will cause a precipitous decline in property values. As lease is a legal estate, leasehold estate can be bought and sold on the open market. Taking private property for public use, with fair compensation to the owner; exercising the right of eminent domain. - The premise that the ownership of real estate consists of the ownership of the various rights associated with it. - Primary purpose is to "Protect the Public" A conditional use permit is a zoning exception that allows you to use your property in non-conforming ways. Remember, were all in this together. Tenants by the entirety Is a special form of co-ownership used in some states that allow a husband or wife to inherit the other spouse's ownership interest upon death. The right of a property owner whose land borders on a body of water, such as a lake, ocean or sea, to reasonable use and enjoyment of the shore and water the property borders on. For help with the national we have our free national real estate practice exam. It is hazardous to health when a possibility exists of exposure to inhalable fibers. They made this test to trick you on purpose. More specifically its a measure of the value of an investment property that is obtained by dividing the property's sale price by its gross annual rental income. Building superintendents or maintenance workers who perform tasks such as rent collecting for one owner, entity or company. What is the difference between commingling and conversion in real estate? Final Exam Study Guide Real Estate U by vandykel, Mar. A buyer of a home was not informed that his house was on a septic tank system. A person whose principal business is the originating, financing, closing, selling and servicing of loans secured by the real property for institutional lenders on a contractual basis is referred to as a? Anderson's Business Law and the Legal Environment, Comprehensive Volume, David Twomey, Marianne Jennings, Stephanie Greene, Elliot Aronson, Robin M. Akert, Samuel R. Sommers, Timothy D. Wilson, Claudia Bienias Gilbertson, Debra Gentene, Mark W Lehman. $$, Define each of the following terms: Fee simple absolute or (fee simple for short) is an estate in land. The math looks like this: Gross Rent Multiplier = Property Price / Gross Rental Income. A licensed real estate broker that holds the license of a salesperson. - A person who on behalf of or for the benefit of another transacts business or handles money or property not the person's own; such relationship implies great confidence and trust. An appraisal technique whereby the value of an income producing property is estimating by capitalizing its net operating income using an appropriate capitalization rate. Must complete required state approved pre-licensing courses. Parcels without access to a public way may have an easement of access over adjacent land if crossing that land is absolutely necessary to reach the landlocked parcel and there has been some original intent to provide the lot with access. This entity is typically referred to as the lender. Oversees and upholds the quality and aesthetics of a neighborhood, town, or city. What does the Federal Housing Administration do? Legal policy mandates that a deed to real property be a matter of. The premise that the ownership of real estate consists of the ownership of various rights associated with it. All states require a high school diploma or G.E.D equivalent. - The refusal to lend money within a specific area for various reasons. The interest rate decreases not the down payment. In Missouri, there are 140 questions on the exam (100 on the national portion and on the 40 state portion). Read More Here, An interest in real property which is held for the duration of the life of a designated person is called a, A life estate is an interest in real property which is held for the duration of the life of a designated person. We created a Texas real estate exam prep course to help students pass their first time! The exam can be challenging, but it isn't something students should be intimated by! The statute applies to land sales and most purchases of goods over $500 (this includes real estate sales agreements). Historic Preservation/Landmark Commissions. - A person that provides services to another under terms specified in a contract or within a verbal agreement. No matter what type of person applies for a loan they cannot be turned away due to factors that are not directly related to their credit. Void contracts are not contracts because they lack an essential element of a contract and are thus unenforceable. 3% on a $400,000 property is $12,000. Contains no warranties whatsoever, its just a deed of release. - Rules in a cooperative that cover common issues including garbage disposal, maintenance, noise, pets, and conflict resolution. An intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate mortgages. Vertical framing members found in wall construction. Read More Here. A clause in a deed or lease that defines the type of interest and rights to be enjoyed by the grantee or lessee. An independent contractor is not an employee. Mortgage points are directly paid to the lender or bank at closing. - Valuation method which compares a subject property's characteristics with those of comparable properties which have recently sold in similar transactions. Once youre there, you can post any exam-related question you may have or answer other peoples questions too. An easement in gross is basically selling rights to the land to another person, but without giving them legal ownership. Monthly payments by a shareholder to a cooperative corporation. Changing terms of a sale because someone is Chinese is clearly illegal and a violation of The Fair Housing Act. A satisfaction of mortgage is a document that confirms a mortgage has been paid off and details the provisions for the transfer of collateral title rights. - Legal agreement by which a bank lends money in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon payment of the debt. Analysis of the competition in the marketplace that a property will face upon attempts. Which of the following statements is NOT true about radon? that must be transacted for a successful transfer of ownership to take place. The number of questions on the real estate exam depends on which state you are taking the exam in. Parcels without access to a public way may have an, A type of deed where the grantor guarantees that he or. A written document produced by an Architect that described the QUALITY of construction for a building. A document issued by a governmental authority that a building is ready and fit for occupancy. For example, they can't implement zoning code to raise what people pay for properties, they can, however, implement zoning codes to help promote the local economy. They are the Market Data Approach, Cost Approach, and Income Approach. - A written explanation, to be signed by a prospective buyer or seller of real estate, explaining to the client the role that the broker plays in the transaction. A summary of all of the recorded instruments and proceedings which affect the title to a property, arranged in the order in which they were recorded. Regulations established by state and local governments stating fully that structural requirements for building. An intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate mortgages. In most cases, a tenant in an apartment holds: A less than freehold estate (also known as a leasehold estate) is an estate held by one who rents or leases property. When pre-existing use of property in a zoned area is different from that specified zoning. The key concepts and words you have to study are essential for obtaining your real estate license, so you must learn and become familiarized with them. In this situation, the new offer cannot be accepted unless the seller's counteroffer is withdrawn or hypothetically rejected. You can't have that form of ownership with two unmarried individuals. The market where mortgage loans and servicing rights are bought and sold between mortgage originators, mortgage aggregators (securitizers) and investors. Escheat is part of the reason it's critical to have a will or when you are purchasing property you establish a clear right to survivorship. A colorless, odorless gas that is emitted from soils, rocks and water as a result of radioactive decay in certain areas of the country. - Agent must act in accordance to clients demands/instructions. Escheat is, When a property owner dies and leaves no proper documented inheritance plan, the property ownership reverts to the government. Established to review proposed projects within historic districts for compliance with standards established for new development or alteration or improvement of historic buildings and landmarks. - Responsible for developing and controlling a municipality's comprehensive strategy for growth and development. In real estate transactions, restrictive covenants are binding legal obligations written into the deed of a property by the seller. Obtained after you register for the New York State Salesperson exam using eAccessNY. Real Estate Mathematics 349 Questions 351 Answers 366 APPENDIX A Salesperson's Practice Final Examination 379 General Information 379 Specific Information 379 Exam Content Outline and Allocated Percentage 380 Sample Salesperson Real Estate Licensing Examination 382 Answers 391 QA_Help_Pass_RE_Exam_9E.indb 4 9/12/2014 10:31:40 AM SAMPLE Equal Credit Opportunity Act (ECOA) is a regulation that aims to give all legal individuals an equal opportunity to apply for loans. A contract between the owner of a property and someone who agrees to manage it. What determines who pays for what and how much at closing? Drawings produced by Architects that describe the QUANTITIES of a building. We have almost everything real estate related, and yes, that includes real estate exam prep videos. During your time as agent you will run into many different types of people from areas across the world. Utility: The item satisfies a human need or desire; such as shelter, income, or recreation. Usury is the practice of making unethical or immoral monetary loans that unfairly enrich the lender. Vertical framing members found in wall construction. The use of borrowed capital (mortgage) to increase the potential return of an investment. Determines the usage allowed for a building or subdivision. - A clause found in real estate contracts that may allow buyers to walk away from an agreed upon sale for any reason. A series of documents submitted for the review by a cooperative board. - A lien imposed by law upon a property to secure the payment of taxes. Blueprints- Architectural drawings that describe the layout and construction of a house. The subreddit or forum should show up. These drawings describe the layout and construction of a house. The amount of expenses that must be paid out of pocket before an insurer will pay any expenses. In Florida, there are 100 questions on the exam. The right of any political body to enact laws and enforce them, for the order, safety, health, morals and general welfare of the public. Jelly leases equipment used in its production processes from Squishy, Inc. I.E. - Drawings produced by Architects that describe the quantities of a building. Travel Inc. receives a commission of 6% of the total price. Similar real estate exam preparation courses charge anywhere from $49 to $200. i.e. The Cost Approach is also referred to as summation. Volunteers from state or private agencies who enforce fair housing by claiming to be home seekers, thereby finding out if brokers deal fairly with all clients/customers. If it's for less than one year, it can be oral with some exceptions. The program was established by the United States Department of Veterans Affairs and has been a strong success ever since. Specifications- A document provided by Architects that describes the QUALITY of construction. A career in real estate sales is one of the most lucrative routes a salesperson can take. Agreement in which a tenant is permitted to develop a piece of property during the lease period, after which the land and all improvements are turned over to the property owner. Intangible Deterioration. A deed which conveys simply the grantor's rights or interest in real estate, without any agreement or covenant as to the nature or extent of that interest, or any other covenants; usually used to remove a cloud from the title. - Accounts for the majority of mortgages. - Insurance policy that covers amounts above those covered under one or more other primary policies, and which does not pay until the losses exceed a certain sum. Suppose a sample of $11$ paired differences that has been randomly selected from a normally distributed population of paired differences yields a sample mean of $103.5$ and a sample standard deviation of $5.$ A document acknowledging the payment of a mortgage debt. - A card issued by the Department of State to each licensee which contains the photo, name and business address of the licensee, and, in the case of a real estate salesperson, the name and business address of the broker with whom he or she is associated and shall certify that the person whose name appears thereon is a licensed real estate broker or salesperson. One of the most essential parts of the real estate exam is vocabulary. They use their own funds, or funds borrowed from a warehouse lender, to fund mortgages. What is the key difference between a Less than Freehold Estate and a Freehold estate is, Estates can be divided into two different sections: freehold estates, and less than freehold estates(or leasehold estates).The key difference between a leasehold estate and a freehold estate is the limitation of time. Bonus tip. A method of calculating the depreciation of an asset which assumes the asset will lose an equal amount of value each year. 200 cards Real Estate Real Estate Principles Practice all cards The set of rights enjoyed by the owner of real property are commonly referred to as the? If you know of any additional free resources that we can add to this list, please email us and let us know.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[250,250],'realestatelicensewizard_com-leader-1','ezslot_15',699,'0','0'])};__ez_fad_position('div-gpt-ad-realestatelicensewizard_com-leader-1-0'); Have you ever heard of Reddit? Want to practice real estate exam questions every day; this is the perfect playlist for you. Who dictates trust accounts and when to deposit earnest money or other trust funds? Requires public accommodations to remove barriers in existing buildings such as adding braille markings to elevator buttons, is a requirement of which law? - The process by which a loan principal decreases over the life of a loan. That section can be used to study the topics featured . They are typically wood, cold formed metal framing or steel. In this instance age does in fact matter you must be at least 62 years or older to qualify for a reverse mortgage. Explain. He needs an easement for ingress and egress over Ron's property to be able to enter and exit the property. A contractual or consensual lien that is created by an action taken by the debtor, such as a mortgage loan to buy real estate (Example: mortgage). A valuation placed upon property by a public officer or a board, as a basis for taxation. A document commonly used in real estate transactions, detailing the fees, commissions, insurance, etc., that must be transacted for a successful transfer of ownership to take place. The key difference between a leasehold estate and a freehold estate is the limitation of time. Have a question about the real estate exam? RE is one of the few industries that you could literally make one sale a month and live comfortably. A clause in a deed or lease that defines the type of interest and rights to be enjoyed by the grantee or lessee. This type of deed contains the strongest guarantee of title. Structural walls that transfer building loads down to the foundation. A parcel of real property that has an easement over another piece of property is best described as: By definition, a dominant estate is a parcel of real property that has an easement over another piece of property. Final Real Estate Exam. Rights in real property to use the space above the surface of the land. Find the answers to all your real estate license questions here: The real estate license exam is divided into two parts: the national and your specific state portions. By far, the most substantial chunk of the real estate license exam is the vocabulary. Most real estate sales contracts include contingency clauses, making them what? What are they? Also known as the "to have and to hold'" clause. - A method of estimating the value of real property by calculating a current construction cost, subtracting accrued depreciation and adding a land value obtained from the market. Beams are typically wood, cold formed metal framing or steel. The actual interest rate charged, including loan fees and points. We highly encourage you to join these groups and talk to other test takers. Fee simple absolute is the greatest interest in a parcel of land that one can possibly own. Under a lease for a commercial property, a tenant agrees to pay $3,000 per month plus 4% of the gross monthly sales. The textbook name is for closing is closing. - A leasehold estate for any specific period of time. Article 12-A of the NYS Real Property Law, The section of the New York Real Property Law. By far, the most substantial chunk of the real estate license exam is the vocabulary. Liquidated damage is most likely to be found in which of the following documents? Ex: Mortgage. Typically placed 12", 16" or 24" on center. Severance is the opposite of attachment. An intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate mortgages. - Rights in real property to use the space above the surface of the land. Also known as the "to have and to hold'" clause. A measure of land equal to 43,560 square feet. - The employer of an agent or broker; the broker's or agent's client. Easement Which of the following is not a type of depreciation used in the cost approach? The term refers to the process where a bank or lender packages mortgage loans to consumers for the purpose of quickly selling those loans on the secondary market. - A contract in which all elements of a contract are specifically stated (offer, acceptance, consideration). - The safety valves for electrical systems. Area of a triangle [triangle=1/2 of rectangle]. Here are what topics you are expected to know:if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'realestatelicensewizard_com-box-4','ezslot_14',696,'0','0'])};__ez_fad_position('div-gpt-ad-realestatelicensewizard_com-box-4-0'); It depends. Generally, you can expect that your state real estate agent license exam will consist of 80-100 multiple-choice questions about general real estate concepts and 60-80 questions specific to state licensing laws. Also known as the "to have and to hold'" clause. (a) Cash. Gross Rent Multiplier is the ratio of the price of a real estate investment to its annual rental income before accounting for expenses such as property taxes, insurance, and utilities. If someone is unlawfully forced to execute a contract it is called what? - A written document produced by an Architect that describes the quality of construction for a building. Lastly, an (LLC) is a hybrid legal entity that has certain characteristics of both a corporation and a partnership or sole proprietorship. By far, the most substantial chunk of the real estate license exam is the vocabulary. The EPA was established in December 1970 by an executive order of United States President Richard Nixon. Federal law designed to control air pollution on a national level. A leasehold estate for any specific period of time. Value = Income / Rate. 2. A method of calculating the depreciation of an asset which assumes the asset will lose an equal amount of value each year. Weve helped thousands of people pass the real estate exam and get their real estate license. Honesty and fairness must be given to an unrepresented buyer. - Obtained after you register for the New York State. - A valuation placed upon property by a public officer or a board, as a basis for taxation. The best way to pass is to use all the resources available to you. In this instance age doesn't really matter. This designated person is called a life tenant. Aaron can't get to his property from a public road without crossing over his neighbor Ron's property. A lien imposed by law upon a property to secure the payment of taxes. Escheat ensures that property always has ownership. Sometimes people forget there are hundreds of others in the same boat. This is word for word from the study guide, enjoy and good luck :), Article 12-A of the NYS Real Property Law, The section of the New York Real Property Law. If Federal or City building code is more stringent on particular issue, the more stringent Code will supersede the State code. Homeowners should be alert for friable asbestos and always seek professional advice in dealing with it. - Agent must work in the best interest of the client. A valuation placed upon property by a public officer or a board, as a basis for taxation. A licensed real estate broker that holds the license of a salesperson summary of your submission Obtained after you regustsr for the NYS Salesperson exam. Which of the following enforces all federal environmental rules and regulations? The course includes 6 full months of access to well . Ready to get started? Primary mortgage market is lending institution where mortgage originates. Taking private property for public use, with fair compensation to the owner; exercising the right of eminent domain. The Americans with Disabilities Act (ADA) prohibits discrimination against people with disabilities in several areas, including employment, transportation, public accommodations, communications and access to state and local government' programs and services. An amount of money set aside by the owner for a specific period for the property manager to manage the property effectively. The ADA is a civil rights law that prohibits discrimination against individuals with disabilities in all areas of public life, including jobs, schools, transportation, and all public and private places that are open to the general public. The statute specifically covers contracts for the sale of land, agreements involving goods worth over $500, and contracts lasting one year or more. This practice is illegal. The lender in a traditional mortgage loan transaction is known as what? -Must be 18 years old, if younger it is voidable. A right to cross or otherwise use someone else's property for a specified purpose. - The section of the New York Real Property Law pertaining to real estate salespersons and brokers. This practice is illegal. - A key document provided during the purchase of a cooperative, which includes information required to be disclosed to the purchaser. Eurocredits; eurodollar. It still can be considered valid but only after the contingencies are met or no longer exist. A card issued by the Department of State to each licensee which contains the photo, name and business address of the licensee, and, in the case of a real estate salesperson, the name and business address of the broker with whom he or she is associated and shall certify that the person whose name appears thereon is a licensed real estate broker or salesperson. Or otherwise use real estate u final exam quizlet else 's property is vocabulary alert for friable asbestos and always seek professional in. 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