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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Real Estate Knowledge | 67% | - Valuation and Market Analysis
|
| Topic 2: Massachusetts Real Estate Law | 33% | - Licensing Requirements
|
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질문 # 93
How long is the ordinary Massachusetts real estate license term for continuing-education purposes?
정답：D
설명：
The correct answer is B, Two years. Massachusetts Board guidance states that the twelve-hour continuing- education requirement applies to each two-year license term.
For individual brokers and salespersons, renewal is tied to the licensee ' s birthday during the applicable renewal year. The Board makes licenses available for renewal in advance of expiration and requires completion of the continuing-education requirement before renewal in active status.
Candidates sometimes confuse prelicensing education, license duration, and continuing education. The twelve continuing-education hours are not an annual requirement; they apply across the two-year renewal term.
Business entities and schools also operate on renewal cycles, but candidates should focus on the requirements applicable to their individual salesperson license.
Study Guide Reference: Massachusetts License Law - License Renewal Cycle.
질문 # 94
Which of the following is true about mortgage assumptions?
정답：D
설명：
Comprehensive and Detailed Explanation (150-250 words):
When a mortgage is assumed, the buyer takes over the existing loan obligations. The buyer typically becomes personally liable for the debt if the lender approves the assumption, but the seller remains liable unless formally released by the lender through a novation.
Thus, the seller "may or may not be released" depending on lender approval. The assumption is different from a "subject to" transaction, where the buyer makes payments but is not personally liable.
A is incorrect: the buyer is not relieved of liability-they are assuming it.
C is incorrect: a new note is not signed; the existing obligation is assumed.
D is incorrect: transfer of a deed does not release liability; only lender approval/novation does.
Therefore, the correct answer is B.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Financing; Assumptions vs.
"Subject To" Mortgages.
질문 # 95
A contract in which a licensee is employed by an owner to find a buyer for a 20-unit apartment building is most likely
정답：B
설명：
Comprehensive and Detailed Explanation (150-250 words):
A listing contract is an agreement in which a property owner employs a broker to find a ready, willing, and able buyer on specified terms. In this case, the owner of a 20-unit apartment building hires a licensee for that purpose.
A (option contract): gives a buyer the right to purchase property within a set time, not relevant here.
C (property management contract): involves ongoing operation of rental property, not selling it.
D (contract of sale): is the purchase agreement between buyer and seller, not the employment of a broker.
Therefore, the agreement described is a listing contract.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Contracts; Brokerage Agreements.
질문 # 96
In which residential ownership form does the occupant typically receive shares of stock together with a proprietary lease rather than a deed to the individual apartment?
정답：B
설명：
The correct answer is D, cooperative. Massachusetts Board curriculum expressly distinguishes cooperatives from condominiums: the cooperative corporation or other qualifying entity owns the real property, while an individual resident acquires shares connected with a right to occupy a designated unit through a proprietary lease.
At closing, the cooperative purchaser commonly receives stock certificates or equivalent evidence of the ownership interest together with the proprietary lease. The resident therefore owns an interest in the cooperative entity rather than holding a conventional deed directly to the apartment itself.
In a condominium, by contrast, the purchaser normally receives a deed to an individually defined unit and an associated percentage interest in common areas. A fee-simple subdivision likewise involves direct ownership through a deed. A life estate is a freehold interest measured by a life and does not inherently involve corporate shares or proprietary leases.
Massachusetts law defines a proprietary lease as an agreement between a cooperative housing corporation and its stockholder relating to occupancy of a dwelling unit owned by the cooperative. This is a highly testable distinction.
Study Guide Reference: Property Ownership - Cooperatives versus Condominiums; proprietary leases.
질문 # 97
RESPA generally applies to covered residential settlement-service transactions involving:
정답：D
설명：
The correct answer is A, a federally related mortgage loan. RESPA and Regulation X govern specified settlement-service practices connected with federally related mortgage loans.
The CFPB ' s current guidance explains that RESPA Section 8 applies to referrals and settlement services incident to or part of a real-estate settlement involving a federally related mortgage loan.
Settlement services can include mortgage origination, title work, closing services, appraisal, credit reporting, surveys, real estate brokerage services, mortgage brokerage, and other services associated with settlement.
RESPA does not simply apply because any real property changes hands. Certain transactions and loan types fall outside its coverage, and purely cash transactions do not automatically become federally related mortgage transactions.
A major RESPA examination topic is Section 8 ' s prohibition on kickbacks and unearned referral fees.
Current Regulation X prohibits paying or accepting a thing of value for settlement-service referrals in covered transactions.
Study Guide Reference: Financing - RESPA and Federally Related Mortgage Loans.
질문 # 98
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