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Real Estate Maryland Real Estate Salesperson Examination Sample Questions (Q90-Q95):

NEW QUESTION # 90
Which document is provided to borrowers at least three days prior to closing and provides disclosures about the costs of the transaction?

A. Closing Disclosure
B. Loan Estimate
C. Escrow closing notice
D. The Mortgage Servicing Transfer Disclosure

Answer: A

Explanation:
Comprehensive and Detailed Explanation From Exact Extract of Maryland 60-Hour Principles and Practices of Real Estate Pre-Licensing Course:
The Closing Disclosure (CD) is a federally required document under the TILA-RESPA Integrated Disclosure Rule (TRID).
It must be provided to the borrower at least three business days prior to closing and itemizes loan terms, fees, and total closing costs.
The Loan Estimate (LE) is given earlier in the process-within three business days of loan application-while the Closing Disclosure confirms final figures.
Maryland licensees must understand both forms as part of the Closing and Settlement Procedures portion of their coursework.
Reference (Maryland Source):
- Maryland 60-Hour Principles and Practices Course, Closing Procedures and Federal Disclosure Requirements section.
- TILA-RESPA Integrated Disclosure Rule (TRID), 12 C.F.R. §1026.19(f).

NEW QUESTION # 91
When assigning a contract, what should the assignor ensure is permitted in the purchase contract?

A. A due-on-sale clause
B. Acceleration
C. Termination
D. Assignability

Answer: D

Explanation:
Comprehensive and Detailed Explanation From Exact Extract of Maryland 60-Hour Principles and Practices of Real Estate Pre-Licensing Course:
A contract assignment occurs when a buyer (the assignor) transfers his or her contractual rights to another party (the assignee) before closing.
However, this is only allowed if the original purchase contract permits assignment-that is, if it includes an assignability clause or does not prohibit assignment.
If the contract specifically states "non-assignable" or "assignment requires seller consent," the assignor must comply with those terms.
This concept appears in the Contracts and Transaction Procedures section of the course.
Reference (Maryland Source):
- Maryland 60-Hour Principles and Practices Course, Real Estate Contracts and Assignments section.
- Maryland Contract Law Principles (General Common Law on Assignability).

NEW QUESTION # 92
The earth's surface, extending downward to the center of the earth and upward to infinity, including permanently attached natural objects, is called ______.

A. Real property
B. Estate
C. Real estate
D. Land

Answer: D

Explanation:
In real estate terminology taught in the course:
* Land = the earth's surface down to the center and upward to infinity, including permanently attached natural objects (trees, minerals, water).
* Real estate = land plus improvements (man-made attachments such as buildings, fences).
References: Maryland 60-Hour Principles & Practices Course - Real Property and the Law module (definitions of land, real estate, and real property

NEW QUESTION # 93
In which type of lease does the tenant pay some or all expenses separately?

A. Sublease
B. Net lease
C. Percentage lease
D. Gross lease

Answer: B

Explanation:
Under "Leases and Property Management," the course explains that a net lease requires the tenant to pay base rent plus some or all of the operating expenses, such as property taxes, insurance, and maintenance (often abbreviated as T, I, M). Variations include single-net (N), double-net (NN), and triple-net (NNN) leases.
A gross lease has the landlord paying most operating expenses, with the tenant paying a single rent figure. A percentage lease bases part of rent on the tenant's gross sales (common in retail). A sublease is a transfer arrangement, not a lease type that determines expense responsibility.
References (Course Outline/Study Topics): Maryland 60-Hour Principles and Practices of Real Estate -
"Leases and Property Management" (Gross vs. net vs. percentage leases; expense allocations).

NEW QUESTION # 94
When an offer is prepared by a licensee for a buyer to present to a seller, who determines the amount of the earnest money offered?

A. The buyer
B. The licensee
C. The seller
D. The broker

Answer: A

Explanation:
Comprehensive and Detailed Explanation From Exact Extract of Maryland 60-Hour Principles and Practices of Real Estate Pre-Licensing Course:
The buyer determines the amount of the earnest money deposit, since it is the buyer's good-faith indication of intent to perform under the contract.
The licensee can explain customary local practices and typical deposit amounts but may not set or require a specific figure.
The offer, including the deposit amount, becomes binding only when accepted by the seller.
This is emphasized in the Contracts and Offer Preparation module, which explains that the buyer controls all offer terms, including price, contingencies, and deposit.
Reference (Maryland Source):
- Maryland 60-Hour Principles and Practices Course, Real Estate Contracts section.
- Business Occupations and Professions Article §17-322 (Improper Brokerage Practices).

NEW QUESTION # 95
......

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Real Estate Maryland Real Estate Salesperson Examination Sample Questions (Q90-Q95):

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