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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Real Estate Knowledge | 67% | - Property Ownership
|
| Topic 2: Massachusetts Real Estate Law | 33% | - Massachusetts License Law
|
>> Massachusetts-Real-Estate-Salesperson熱門考題 <<
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問題 #299
Must a married couple in Massachusetts hold their jointly owned home as tenants by the entirety?
答案：B
解題說明：
The correct answer is C. Massachusetts recognizes tenancy by the entirety as a form of concurrent ownership available to married spouses, but spouses are not universally required to use it.
Depending on the deed and circumstances, spouses may instead own as joint tenants or tenants in common.
Each form has materially different legal consequences.
Tenancy by the entirety includes survivorship characteristics and special protections arising from the marital ownership relationship. Joint tenancy also generally carries a right of survivorship, but it is not limited to married couples. Tenancy in common provides each owner with an undivided interest without an automatic right of survivorship; a deceased tenant ' s interest generally passes according to the owner ' s estate plan or intestacy law.
Because the form of title can affect inheritance, creditors, conveyancing, estate planning, divorce, and financing, purchasers should obtain appropriate legal advice when choosing how to take title.
The licensing-exam principle is simple: tenancy by the entirety is available to qualifying spouses, not mandatory merely because they are married.
Study Guide Reference: Property Ownership - Tenancy in Common, Joint Tenancy and Tenancy by the Entirety.
問題 #300
A buyer tells an agent that the buyer wants to live in a neighborhood populated predominantly by people of the buyer ' s own protected racial or ethnic group. The agent then directs the buyer only to neighborhoods selected on that basis. What prohibited practice is illustrated?
答案：D
解題說明：
The correct answer is C, Steering. Steering occurs when a real-estate professional directs buyers or renters toward or away from particular neighborhoods or properties because of race or another protected characteristic.
A buyer ' s own discriminatory preference does not authorize a licensee to participate in discriminatory housing practices. The professional should focus on objective criteria supplied by the buyer-price range, property type, bedroom count, commute, transportation, school proximity without demographic steering, amenities, and other lawful characteristics.
Redlining traditionally concerns discriminatory lending, insurance, or services based on location or protected- class composition. Blockbusting, also known as panic selling or panic peddling, involves inducing owners to sell because members of a protected group are supposedly entering the neighborhood.
Massachusetts housing law prohibits discriminatory treatment in real-estate transactions based on numerous protected characteristics and imposes broader protections than the historic federal minimum.
Study Guide Reference: Practice of Real Estate - Fair Housing; steering, blockbusting and discriminatory practices.
問題 #301
A seller wants $120,000 for a home and still owes $20,000 of the original loan at 7% interest. The current interest rate is 12%. A buyer can pay $60,000 down and wants to carry a mortgage that includes the seller's
$20,000 existing mortgage and the remaining $40,000 for a total of $60,000 at an interest rate of 10%. What kind of mortgage loan is this?
答案：B
解題說明：
A wraparound mortgage is a type of seller financing in which the new loan "wraps around" an existing loan.
The buyer makes one combined payment to the seller, who continues paying the original loan while retaining the difference.
In this case:
The seller owes $20,000 at 7%.
The buyer wants to borrow $60,000 total ($20,000 existing + $40,000 new).
The new loan is structured at 10% interest, covering both debts.
This is exactly how a wraparound mortgage works: the seller finances the buyer's loan, keeps the existing mortgage in place, and earns the difference between the interest rates.
The other options:
Blanket mortgage (A): covers multiple parcels.
Equity loan (B): based on homeowner equity.
Buydown (D): involves prepaying interest to reduce borrower's rate.
Correct answer: C: wraparound.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Financing; Real Estate Finance Principles.
問題 #302
A prescriptive easement is proven by a
答案：B
解題說明：
A prescriptive easement is established through open, notorious, continuous, and adverse use of another's land for a statutory period (in Massachusetts, typically 20 years).
To legally recognize and establish the easement, the claimant must usually bring a quiet title action in court.
This court proceeding clarifies ownership rights and confirms the existence of the easement.
A (deed): not applicable since prescriptive easements arise without written agreements.
C (abstract): summarizes recorded documents but would not establish prescriptive rights.
D (title policy): insures title, does not prove an easement.
Thus, the correct answer is B: quiet title action.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Easements & Rights; M.G.L. c.
187, 2.
問題 #303
The heir to a large estate will be of legal age within 30 days. The heir lists for sale with a broker one of the properties held by the estate. The broker knows of a buyer for the property and sells it within 24 hours of listing, with closing to be in 45 days. Both listing and sale contracts are
答案：B
解題說明：
Comprehensive and Detailed Explanation (150-250 words):
Contracts entered into by a minor (a person not yet of legal age) are generally voidable at the option of the minor. In this case, the heir is still underage when signing both the listing and the sales contract. Although enforceable by the minor, they may be disaffirmed before reaching majority age or within a reasonable time thereafter.
Fulfilled (A) applies only once all terms have been performed.
Executed (B) means fully performed; here, the contracts are not.
Executory (D) means still in progress, which is true, but the critical legal issue is that the contracts are voidable due to minority.
Therefore, both contracts are voidable.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Contracts; M.G.L. c.231 85O (contracts with minors).
問題 #304
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