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Welcome to the course!
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The Real Estate Business
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Law & Qualifications
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License Law And Commission Rules
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Authorized Relationships, Duties, And Disclosure
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Brokerage Offices and Branch Requirements
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Violations Of License Law, Penalties And Procedures
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Chapter 8
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Property Rights
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Title, Deeds And Ownership Restrictions
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Legal Descriptions
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Real Estate Contracts
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Residential Mortgages
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Types of mortgages
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Qualifying for a Loan
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Qualifying Ratios
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Qualifying the Property
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Preapproval vs Prequalification
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Conventional Mortgages
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Conventional Mortgage Loan Features
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Total Obligations Ratio Calculation
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Interest Rate
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Assumption
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Prepayment
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Down Payment and Private Mortgage Insurance (PMI)
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Loan to Value Ratio (LTV)
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Common Types of Mortgages
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30-Year and 15-Year Terms
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Components of a Mortgage Amortization Table
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Adjustable Rate Mortgage (ARM)
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Components of an ARM
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Components of ARM 2
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How Negative Amortization
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Custom Mortgages
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Biweekly Mortgage
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Package Mortgage
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Home Equity Loans & Home Equity Line of Credit (HELOC)
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Purchase Money Mortgage
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HECM, Reverse Mortgage
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Government Insured FHA Program
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Characteristics of FHA Mortgage Loans
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Down Payment and Limits
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Insurance Premium (UFMIP & MIP)
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Qualifying Ratios and Interest Rates
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Appraisal, Costs, Assumption, and Prepayment
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Common FHA Loan Programs
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Condominiums and Adjustable Rates
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VA Loan Guarantee Program
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Qualifications and Eligibility
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Lending Source and Eligible Property
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Discount Points and Loan Origination Fee
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Qualifying Ratios
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Loan Limits, Guarantee, and Down Payment
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Entitlement and Reusing the Entitlement
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Appraisal
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VA Funding Fee
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Prepayment, Assumption, and Interest Rate
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Depository lenders
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Savings Associations
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Commercial Banks
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Credit Unions
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Nondepository
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Mortgage Lenders
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Mortgage Loan Originator (MLO)
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Seller Financing
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Contract for Deed
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Amortized Mortgage
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Circulate the Mortgage Money Supply
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Standardize Loan Requirements
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Fannie Mae
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Ginnie Mae
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Freddie Mac
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Common Types of Mortgage Fraud
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No Document Loans
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Inflated Appraisal
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Inflated Contract Prices
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Ethical Practices
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Prohibits Discrimination
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Income Sources
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Child-Bearing Plans
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Regulation Z
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Full Disclosure and APR
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Consumer Credit Protection Act (Truth in Lending Act)
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Real Estate Settlement Procedures Act (RESPA)
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RESPA 2
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TILA-RESPA Integrated Disclosure Rule (TRID)
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Chapter 14 Quiz
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Real Estate Related Computations And Closing Of Transactions
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The Real Estate Markets And Analysis
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Real Estate Appraisal
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Real Estate Investments And Business Opportunity Brokerage
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Taxes Affecting Real Estate
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Planning, Zoning And Environmental Hazards
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Course Assessments