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Real Estate Licensing Virginia Real Estate Salesperson Sample Questions:

1. Lillian is buying a home for $355,000. She is going to put down $75,000 as her down payment on her conventional loan. Will Lillian be required to pay private mortgage insurance?

A) No, her down payment is large enough to avoid PMI.
B) No, but it depends solely on her credit score.
C) Yes, PMI is required until she reaches 50% equity.
D) Yes, her down payment does not meet the requirements to eliminate PMI.

2. In which of these cases should an agent disclose information about someone's HIV/AIDS status?

A) Agents should never disclose or inquire about someone's HIV/AIDS status.
B) only if the seller has previously made their HIV or AIDS status public
C) only when a buyer client insists on knowing this information
D) only if the seller or tenant's status has caused the property to be stigmatized

3. Trystan and Nia enter into a contract for the sale of a tiny house. Trystan is 17. Closing is supposed to occur in two weeks. This contract is:

A) executory and voidable
B) executed and void
C) executory and void
D) executed and voidable

4. Who regulates fair housing advertising?

A) HUD
B) CRA
C) HMDA
D) ECOA

5. The purpose of discount points is:

A) to lower the interest rate over the life of the loan
B) to lock in an interest rate for a specified time prior to closing
C) to lower the amount due at closing
D) to lower the property value for purposes of tax savings

Solutions: