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Virginia-Real-Estate-Salesperson Passleader Review - Reliable Virginia-Real-Estate-Salesperson Cram Materials

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Real Estate Licensing Virginia Real Estate Salesperson Exam Sample Questions (Q32-Q37):

NEW QUESTION # 32
When must a lender provide borrowers with a Closing Disclosure?

A. at least five business days after consummation of the loan
B. at the end of the closing ceremony
C. at least three business days before the consummation of the loan
D. on the day of closing

Answer: C

Explanation:
The TILA-RESPA Integrated Disclosure Rule (TRID) requires that the lender provide the Closing Disclosure (CD) at least three business days prior to loan consummation. This ensures that borrowers have adequate time to review the final loan terms, costs, and obligations.
If significant changes occur (such as APR change beyond tolerance, loan product change, or addition of a prepayment penalty), a new three-day waiting period is triggered.
This rule is enforced by the Consumer Financial Protection Bureau (CFPB) but is an important part of Virginia real estate education since agents must be aware of closing timelines.
Reference (Virginia Real Estate & Federal):
TRID Rule under Regulation Z (12 CFR 1026.19(f))

NEW QUESTION # 33
Which of these is a person who is licensed to represent one of the parties in a real estate transaction in exchange for a commission or other valuable consideration?

A. assistant broker
B. salesperson
C. appraiser
D. broker

Answer: D

Explanation:
In Virginia, a real estate broker is the person licensed to represent one of the parties in a real estate transaction in exchange for commission or other valuable consideration.
Salesperson (A): Licensed to perform brokerage activities but only under the supervision of a broker; cannot independently represent a party for commission.
Assistant Broker (B): Not an official license category in Virginia.
Appraiser (D): Licensed to determine property value, not to represent parties in real estate transactions.
Thus, the correct answer is broker.
Reference:
Code of Virginia §54.1-2100 (Definitions)
Virginia Real Estate Board Regulations (18 VAC 135-20)

NEW QUESTION # 34
What is the purpose of the Do Not Call Registry?

A. It regulates telemarketing activities from commercial organizations.
B. It has three main truth-in-advertising provisions.
C. It governs the use of commercial email advertising.
D. It bans bait-and-switch ads.

Answer: A

Explanation:
The National Do Not Call Registry, enforced by the Federal Trade Commission (FTC), regulates telemarketing practices:
Prohibits commercial telemarketers from calling registered phone numbers.
Exceptions: political calls, charitable organizations, debt collectors, and businesses with an established relationship.
Real estate agents must comply and check the registry before making solicitation calls, unless the call falls under an exemption.
Other options confuse it with advertising regulations (truth-in-advertising, CAN-SPAM Act, etc.), which are separate.
Reference (Virginia Real Estate):
Telephone Consumer Protection Act (TCPA)
FTC Do Not Call Registry Rules
Virginia Real Estate Board continuing education on Advertising & Ethics

NEW QUESTION # 35
Harry, an agent, transfers some money from an escrow account into his personal savings accounts. What is he doing and is it legal or illegal?

A. This is conversion, and it is illegal.
B. This is conversion, and it is legal.
C. This is commingling, and it is illegal.
D. This is commingling, and it is legal.

Answer: A

Explanation:
Commingling occurs when a licensee mixes clients' escrow funds with their own funds in the same account. This is prohibited but usually involves "mixing," not directly taking the money.
Conversion occurs when a licensee uses or transfers client funds for personal use, such as Harry moving money from an escrow account to his personal account.
Conversion is considered a serious violation of Virginia license law and is illegal.
Reference:
Virginia Code §54.1-2108.1 (Maintenance and management of escrow accounts)

NEW QUESTION # 36
What is the perimeter of a rectangular lot with the dimensions of 40 ft. x 50 ft .?

A. 150 ft.
B. 180 ft.
C. 200 ft.
D. 90 ft.

Answer: B

Explanation:

Reference (Virginia Real Estate Math):
Real Estate Math section in Virginia pre-license education
A490-02REGS.pdf - Math requirements for licensure
✅ Corrected: Answer = B. 180 ft

NEW QUESTION # 37
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