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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Massachusetts State Portion | 33% | - State-Specific Practices
|
| Topic 2: National Portion | 67% | - Real Estate Practice
|
>> Massachusetts-Real-Estate-Salesperson Ausbildungsressourcen <<
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53. Frage
Which of the following is true about mortgage assumptions?
Antwort: B
Begründung:
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.
54. Frage
On which of the following must the landlord pay interest when collecting first month, last month, and security deposit?
Antwort: C
Begründung:
Under M.G.L. c. 186, 15B, landlords in Massachusetts must pay interest on both the security deposit and the last month's rent if these funds are held for more than one year. The interest must be paid annually and credited to the tenant's account, unless the tenant and landlord have a written agreement stating otherwise.
The first month's rent is not subject to interest requirements. The landlord must hold the security deposit in a separate, interest-bearing account, and the interest accrues for the benefit of the tenant.
Therefore, the landlord must pay interest on both the security deposit and last month's rent.
Reference: M.G.L. c. 186, 15B; Massachusetts Real Estate Candidate Information Bulletin - Tenant Rights.
55. Frage
Local zoning limits office buildings to four stories. An owner wants permission to construct a six-story building despite that restriction. What zoning relief would generally be sought?
Antwort: B
Begründung:
A variance is the appropriate form of zoning relief contemplated by the facts, making A correct. A variance authorizes departure from applicable zoning requirements when the statutory standards are satisfied. A request to construct six stories where dimensional zoning allows only four is therefore fundamentally a variance issue.
A nonconforming use concerns a use or structure that lawfully existed before a zoning restriction changed and is permitted to continue subject to statutory and local rules. The facts instead describe a proposed new deviation from existing zoning. Title V primarily concerns Massachusetts septic-system and subsurface sewage disposal requirements; it does not waive building-height limitations. "Police power exclusion" is not a standard zoning remedy available to a private owner.
A significant current-law point is that Massachusetts amended M.G.L. c.40A 10 effective in 2026.
Candidates should use the current statutory variance standards rather than memorize obsolete wording from older preparation materials. The permit-granting authority evaluates the statutory criteria and the circumstances of the parcel and proposed relief.
Study Guide Reference: Land Use Controls and Regulations - zoning, variances and nonconforming uses;
M.G.L. c.40A 10.
56. Frage
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
Antwort: B
Begründung:
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).
57. Frage
Real Estate Mortgage Investment Conduits (REMICs) principally hold or invest in:
Antwort: D
Begründung:
The correct answer is C. A Real Estate Mortgage Investment Conduit (REMIC) is an entity used to hold a fixed pool of qualified mortgages and issue interests to investors.
IRS guidance describes a REMIC as an entity formed for the purpose of holding a fixed pool of mortgages secured by interests in real property. It can issue regular and residual interests, and the regular interests are generally treated as debt instruments for federal tax purposes.
REMICs are therefore associated with the mortgage-backed securities and secondary mortgage markets, rather than direct ownership of individual homes or apartment buildings as operating real estate.
This is distinct from a Real Estate Investment Trust (REIT). A REIT can invest in income-producing real estate or qualifying real-estate assets, while a REMIC is specifically structured around pools of mortgage obligations.
Understanding mortgage pooling helps explain how mortgage lenders can obtain liquidity and transfer mortgage-credit exposure into broader capital markets.
Study Guide Reference: Financing - secondary mortgage market, mortgage-backed investments and REMICs.
58. Frage
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