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Real Estate New-Jersey-Real-Estate-Salesperson Exam Syllabus Topics:

Real Estate New Jersey Real Estate Salesperson Sample Questions:

1. A low loan-to-value ratio indicates a:

A) higher equity in the property.
B) lower equity in the property.
C) greater use of leverage.
D) greater risk of foreclosure.

2. A buyer and broker enter into a 3-month exclusive buyer agency agreement. With regard to the broker's right to be compensated and to work with other clients, this means that during the term of this agreement, the broker

A) must be compensated by the seller.
B) may not show a property to other buyers until the buyer decides if they want to make an offer.
C) is entitled to compensation even if the buyer purchases a property that they locate.
D) is only due compensation if the buyer purchases one of the broker's listings.

3. In advertisements of individual salespersons, which of the following is permitted?

A) Including reference to a home office.
B) Placing the real estate office sign on a personal residence.
C) Linking a personal real estate webpage to the salesperson's broker's website.
D) Having the broker's name appear in smaller print than the salesperson's name in a newspaper ad.

4. A couple secured a home mortgage loan from a lender who appraised the property at $92,500. If the loan-to- value ratio on the property was 85%, what was the minimum amount the couple needed for the down payment?

A) $6,166
B) $7,862
C) $10,882
D) $13,875

5. Rules for Truth in Lending and RESPA call for disclosure documents to borrowers. How can a managing broker best prepare associated licensees to manage these disclosures?

A) The buyer's broker can provide samples so that when the licensee and the borrower prepare the forms they are following a good example.
B) Because the lender has primary responsibility to provide these forms, the broker and licensees should be aware of the items required for the lender to comply.
C) Because the listing broker will be primarily responsible for completing the Loan Estimate to send to the lender, the broker should train associated licensees to collect all the necessary information in a timely fashion.
D) The managing broker should train licensees to advise borrowers to accept the Loan Estimate right away.

Solutions: