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Real Estate Licensing Virginia Real Estate Salesperson Sample Questions:

1. The purpose of discount points is:

A) to lower the property value for purposes of tax savings
B) to lock in an interest rate for a specified time prior to closing
C) to lower the amount due at closing
D) to lower the interest rate over the life of the loan

2. Lillian is buying a home for $355,000. She is going to put down $75,000 as her down payment on her conventional loan. Will Lillian be required to pay private mortgage insurance?

A) No, but it depends solely on her credit score.
B) Yes, her down payment does not meet the requirements to eliminate PMI.
C) No, her down payment is large enough to avoid PMI.
D) Yes, PMI is required until she reaches 50% equity.

3. When must a lender provide borrowers with a Closing Disclosure?

A) on the day of closing
B) at least five business days after consummation of the loan
C) at least three business days before the consummation of the loan
D) at the end of the closing ceremony

4. Which environmental law requires federal agencies to prepare environmental impact assessments and statements before undertaking a potentially impactful act?

A) The National Environmental Policy Act
B) Resource Conservation and Recovery Act
C) The Clean Air Act
D) The Clean Water Act

5. Per se violations are:

A) acts that are in violation of CAN-SPAM
B) acts that are considered inherently illegal
C) acts that are NOT considered inherentty illegal
D) acts that are in violation of the TCPA

Solutions: