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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 lender may add 1/12th of the estimated cost of the annual property taxes and hazard insurance on the mortgaged property to the monthly loan payment for deposit in:

A) an impound, escrow, or reserve account
B) an adjustment account
C) a PMI account
D) a margin account

2. A married couple is planning to purchase a house that costs $86,000. If they obtain a 60% loan and the lender charges a 2.5% loan origination fee and 0.5 discount points, what is the cost of these expenses?

A) $1,290
B) $2,580
C) $2,150
D) $1,548

3. Salesperson P leaves the employ of Broker A. One of the listings at Broker A's firm has agreed to list with Salesperson P at the new firm. In this instance the listing file:

A) cannot be taken because it belongs to Broker A.
B) should be turned into the MLS.
C) should be given to the seller.
D) can be taken to the new firm so there is no interruption of service to the client.

4. A purchase money note need NOT contain the:

A) principal amount of the loan.
B) time and method of payment.
C) loan-to-value ratio.
D) rate of interest.

5. A buyer's agent is NOT permitted to tell a buyer that:

A) the roof leaked recently but was patched by the owner
B) a former occupant of a property had AIDS
C) the property was the scene of a serious crime
D) the seller is willing to accept less than the listing price because of financial circumstances

Solutions: