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[General] Free PDF Real Estate - Maryland-Real-Estate-Salesperson Newest Latest Dumps Ppt

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【General】 Free PDF Real Estate - Maryland-Real-Estate-Salesperson Newest Latest Dumps Ppt

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Real Estate Maryland Real Estate Salesperson Examination Sample Questions (Q100-Q105):NEW QUESTION # 100
Which of the following is true about USDA loans?
  • A. They're for farm loans only.
  • B. They're for rural housing loans only.
  • C. They mirror the requirements for conventional loans.
  • D. Loan terms may be as long as 38 years.
Answer: D
Explanation:
The U.S. Department of Agriculture (USDA) Rural Development Loan Program provides financing for low- to moderate-income borrowers in rural areas.
The Maryland course teaches that Section 502 Direct Loans may offer repayment terms of up to 38 years, depending on borrower income and property location.
These loans are designed to promote homeownership in eligible rural communities and may include payment assistance or subsidies to reduce monthly payments.
Reference: Maryland 60-Hour Principles and Practices - "Real Estate Financing" module; USDA Rural Development Loan Program, Section 502 Direct Loan Guidelines.

NEW QUESTION # 101
The lender will require flood insurance if the home is ________.
  • A. Located in a flood plain
  • B. Located in a valley
  • C. More than 100 years old
  • D. New construction
Answer: A
Explanation:
Comprehensive and Detailed
Lenders that make federally related loans must require flood insurance if the property is located in a Special Flood Hazard Area (SFHA), as designated by the Federal Emergency Management Agency (FEMA).
Flood insurance protects the lender's collateral and the borrower's investment.
The Maryland pre-licensing course covers flood hazards in the "Environmental Issues and Disclosures" unit.
Reference:
Maryland 60-Hour Principles and Practices of Real Estate Pre-Licensing Course - "Environmental Issues and Disclosures" Module National Flood Insurance Act of 1968 (42 U.S.C. §4001 et seq.) - FEMA Floodplain Management.

NEW QUESTION # 102
What's the purpose of testing with regard to fair housing?
  • A. To increase fines on landlords
  • B. To educate applicants
  • C. To punish blatant discrimination
  • D. To uncover hidden discrimination
Answer: D
Explanation:
The fair housing section explains that testing (often using paired testers) is designed to identify discriminatory housing practices that may not be visible to the public, such as unequal treatment in showings, terms, or availability disclosures. Testing compares how similarly qualified people from protected classes are treated relative to control testers, thereby uncovering hidden or subtle discrimination and supporting enforcement of fair housing laws.
References: Maryland 60-Hour Principles and Practices of Real Estate - Fair Housing and Ethics: purpose of testing, paired testing methodology, detecting disparate treatment, and enforcement support.

NEW QUESTION # 103
Which of the following is one of your duties as a listing agent?
  • A. Hold confidential all facts from the buyer, even material facts.
  • B. Promote your client's interests throughout the entire transaction.
  • C. Secure a profit for your client.
  • D. Disclose material facts to the seller only.
Answer: B
Explanation:
Under Maryland Agency Law (Business Occupations and Professions Article, Title 17, Subtitle 5), a listing agent represents the seller and owes the seller the fiduciary duties of loyalty, obedience, disclosure, confidentiality, reasonable care, and accounting.
A primary fiduciary obligation is to promote the interests of the client at all times during the transaction, as outlined in the Maryland Real Estate Commission's Agency Disclosure materials.
While the listing agent must disclose all material facts to all parties (facts that affect value or desirability), the agent's duty of loyalty and advocacy is owed to the seller client.
Therefore, the correct answer is that a listing agent must promote the client's interests throughout the entire transaction.
Reference:
Maryland 60-Hour Principles and Practices of Real Estate Pre-Licensing Course - "Real Estate Brokerage and the Law of Agency" Module Md. Business Occupations and Professions Article, Title 17, 17-532 - Duties of a Licensee Representing a Seller or Landlord.

NEW QUESTION # 104
Assume you are a licensee in Maryland who has recently entered into an agreement with a seller to represent their interests in a real estate transaction. At what point are you required to provide a potential buyer with the agency disclosure notice?
  • A. After the seller accepts the buyer's offer
  • B. At your first scheduled face-to-face meeting with the buyer about the seller's property
  • C. When the buyer asks you to represent them as well
  • D. After the buyer deposits the earnest money in escrow
Answer: B
Explanation:
Maryland law requires that a licensee acting as a seller's agent must provide any unrepresented buyer with the
"Understanding Whom Real Estate Agents Represent" disclosure at the first scheduled face-to-face meeting about a specific property.
The purpose is to ensure that consumers understand who represents whom before discussing confidential or motivational information.
This rule is clearly detailed in the Maryland Agency Law module of the pre-licensing course.
Reference (Maryland Source):
- Maryland 60-Hour Principles and Practices Course, Maryland Agency Law section.
- Business Occupations and Professions Article 17-530 through 17-534.
- COMAR 09.11.07.01 - Agency Disclosure Requirements.

NEW QUESTION # 105
......
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