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| Section | Weight | Objectives |
|---|---|---|
| Insurance Regulation | 25% | - Licensing requirements and procedures - Pennsylvania insurance statutes and regulations - Unfair trade practices and ethics |
| Real Property Law | 25% | - Liens, encumbrances, and easements - Property rights and interests - Conveyance and recording statutes |
| General Insurance Concepts | 15% | - Contract law fundamentals - Risk and indemnity - Basic insurance principles |
| Title Insurance Principles | 25% | - Purpose and function of title insurance - Title search and examination procedures - Title commitments and policy forms - Exceptions and risk elimination |
| Real Estate Transactions & Settlement | 10% | - Policy issuance and delivery - Escrow and closing procedures - Disbursement and record-keeping |
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NEW QUESTION # 47
An ALTA survey of the land could disclose all of the following EXCEPT
Answer: D
Explanation:
An ALTA survey discloses physical and locational matters affecting the land, such as improvements, visible features, boundary relationships, encroachments, and possible setback-line issues. A pond located on the land can be shown because it is a physical feature. Improvements on the land can be located and plotted. A setback violation may be revealed if a structure is shown inside a required setback area. A property line lawsuit, however, is a legal proceeding or claim, not something a survey itself physically discloses. It may be found through litigation records, title search, or other legal investigation. The Pennsylvania title outline tests surveys, boundary matters, title exceptions, liens, claims against title, and clearing-title concerns.
NEW QUESTION # 48
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?
Answer: C
Explanation:
Recording releases after mortgages or trust deeds have been paid at closing is a post-closing function. The closing itself involves execution, settlement, funding, and collection of payoff amounts. After that, the title or settlement agent must ensure that satisfied liens are properly released or reconveyed in the public records so the chain of title no longer shows an open encumbrance. This is not marketing, because it has nothing to do with obtaining business. It is not pre-closing, because the lien has already been satisfied at settlement. It is not mere disbursement, because the question asks about obtaining and recording releases. The Pennsylvania title outline places recording, disbursement procedures, releases, and clearing title within the Real Estate Transactions and Title Exceptions sections.
NEW QUESTION # 49
When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be
Answer: A
Explanation:
Intervening liens that would prevent the lender from having first lien priority can be addressed by subordination. A subordination agreement makes an otherwise prior or intervening lienholder agree that its lien will rank behind the insured mortgage. That clears the priority problem for loan-policy underwriting.
"Waived to the lien" and "restricted to the lien" are not the correct title-clearing terms. Subrogation is different: it allows one party to step into another party's priority position after paying a debt or claim; it is not the normal document used when an existing lienholder agrees to become junior. The Pennsylvania title outline expressly includes voluntary and involuntary liens, releases, assignments, subordinations, and title-clearing procedures.
NEW QUESTION # 50
What requirements define which closing costs are allowable as charges to the borrower?
Answer: C
Explanation:
FHA requirements define which closing costs and fees may be collected from the borrower in an FHA-insured loan transaction. RESPA governs settlement-service disclosures, escrow rules, and anti-kickback restrictions, but it is not the best answer to a question asking which requirements define allowable charges to the borrower in this loan-closing context. ALTA provides title insurance forms and standards, not borrower-charge rules.
"State" is too broad and does not match the specific loan-program requirement being tested. HUD/FHA guidance identifies customary and reasonable fees that may be collected from the borrower, and the Pennsylvania Title Insurance outline separately lists FHA requirements under settlement and closing procedures.
NEW QUESTION # 51
The process by which a mortgage is enforced against real estate is called a
Answer: C
Explanation:
The best answer is sheriff's sale. Pennsylvania mortgage enforcement is generally a judicial foreclosure process, and the forced sale of the real property after judgment is conducted through a sheriff's sale. Non- judicial foreclosure and trustee sale terminology are more commonly associated with deed-of-trust states, where a trustee can sell property without the same judicial foreclosure structure. Forfeiture is not the standard mortgage enforcement process; it usually refers to loss of rights due to breach or legal penalty. In title practice, foreclosure and sheriff's sale records are critical because they affect ownership, lien priority, divestiture of interests, and insurability. The Pennsylvania title outline includes foreclosure, executions, claims against title, and judicial sales.
NEW QUESTION # 52
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