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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Real Property Law | 25% | - Conveyance and recording statutes - Liens, encumbrances, and easements - Property rights and interests |
| Topic 2: Title Insurance Principles | 25% | - Title search and examination procedures - Purpose and function of title insurance - Title commitments and policy forms - Exceptions and risk elimination |
| Topic 3: General Insurance Concepts | 15% | - Contract law fundamentals - Risk and indemnity - Basic insurance principles |
| Topic 4: Insurance Regulation | 25% | - Pennsylvania insurance statutes and regulations - Unfair trade practices and ethics - Licensing requirements and procedures |
| Topic 5: Real Estate Transactions & Settlement | 10% | - Policy issuance and delivery - Disbursement and record-keeping - Escrow and closing procedures |
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질문 # 63
To satisfy a mortgage of record, which of the following must be filed?
정답：C
설명：
A mortgage of record is cleared by recording a mortgage satisfaction, often called a satisfaction piece. A payoff statement shows the amount needed to pay the loan, but it does not release the lien from the land records. The original note evidences the debt and may be marked paid, but it is not the recorded release instrument. A certified copy of the original mortgage only proves the existence or contents of the recorded mortgage; it does not satisfy it. Pennsylvania's Mortgage Satisfaction Act states that mortgages are satisfied by satisfaction pieces or, in residential cases, settlement officer satisfactions, and that the recording officer indexes them against the mortgagee or last assignee.
질문 # 64
Which one of the following estates may NOT be insured under a title insurance policy?
정답：B
설명：
A license is not an estate in land and is generally not insured as a title estate. It is a personal permission to use property and is usually revocable, unlike an easement or leasehold interest. Easements, life estates, and leasehold estates can be insured because they are recognized real property interests. Title insurance insures ownership or other recognized interests in real property against covered title defects, liens, encumbrances, or unmarketability. A license lacks the estate quality necessary for ordinary title insurance coverage. The Pennsylvania title examination outline specifically lists fee simple estate, leasehold estate, life estate, and easements as interests that can be insured, but it does not list a license as an insurable estate.
질문 # 65
The sale of a property was subject to the buyer's being able to assume an existing loan on the property. Upon examination, the note was found to contain a clause that prohibited the assumption of the loan. The clause was
정답：D
설명：
A due-on-sale clause allows the lender to call the loan due when the property is sold or transferred, preventing the buyer from simply assuming the seller's existing loan without lender approval. That directly matches the question's wording: the buyer wanted to assume the existing loan, but the note contained a clause prohibiting that assumption. An assumption clause would allow or describe assumption, not prohibit it. A prepayment clause concerns paying the loan before maturity. A subordination clause changes lien priority between interests; it has nothing to do with whether a buyer may assume the loan. This belongs under Real Estate Transactions because the Pennsylvania title exam tests notes, mortgages, loan closings, recording, and settlement procedures.
질문 # 66
Which of the following is considered an involuntary lien?
정답：C
설명：
A federal tax lien is an involuntary lien because it arises by operation of law when federal tax obligations are unpaid; it is not created voluntarily by the property owner as loan collateral. A HELOC loan is voluntary because the borrower intentionally grants a mortgage or security interest to secure the credit line. A deed restriction is a covenant or limitation affecting use of the property, not a lien for payment. A life estate reservation creates or reserves an estate in land, not a creditor's lien. The Pennsylvania Title Insurance exam outline expressly includes voluntary and involuntary liens, federal liens, judgments, taxes, and assessments under Title Exceptions and Procedures for Clearing Title.
질문 # 67
A notarized deed ensures that the
정답：D
설명：
A notarized deed ensures that the deed is eligible for recording because the notarial acknowledgment verifies the execution formalities needed by the recorder's office. Notarization alone does not make title clear, does not guarantee marketable title, and does not by itself transfer ownership unless the deed has also been properly delivered and accepted. A deed may be legally effective between parties in some circumstances, but the examination issue tested here is recordability. Pennsylvania recording practice requires proper execution and acknowledgment for deeds and other instruments affecting real property. The Pennsylvania title outline specifically lists document preparation, deeds, acknowledgment forms, recording, requirements to record, and acknowledgments under Real Estate Transactions.
질문 # 68
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