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NEW QUESTION # 51
Salesperson P leaves the employ of Broker A. One of the listings at Broker A's firm has agreed to list with Salesperson P at the new firm. In this instance the listing file:
Answer: D
Explanation:
All listings are taken in the name of the broker, not the salesperson.
When a salesperson leaves a brokerage, the listing remains the property of the broker.
The client may choose to cancel the listing and re-list with the new broker, but the listing file cannot be taken by the departing salesperson.
Correct answer = B.
Reference: NJREC Rules and Regulations; NJ Real Estate Salesperson Study Guide, Chapter on Brokerage Operations.
NEW QUESTION # 52
Which action would be allowed according to the Federal Fair Housing law?
Answer: C
Explanation:
Under the Federal Fair Housing Act (Title VIII of the Civil Rights Act of 1968, as amended):
A = Blockbusting (illegal).
B = Steering based on ethnicity (illegal).
C = Redlining (illegal lending discrimination).
D = Immigration/visa status is not a protected class under Fair Housing law. A landlord may consider visa status as part of ability to fulfill lease obligations.
Thus, the only action permitted under Fair Housing is D.
Reference: Federal Fair Housing Act, 42 U.S.C. §§ 3601-3619; NJ Real Estate Salesperson Study Guide, Chapter on Fair Housing.
NEW QUESTION # 53
Rules for Truth in Lending and RESPA call for disclosure documents to borrowers. How can a managing broker best prepare associated licensees to manage these disclosures?
Answer: B
Explanation:
Under TILA-RESPA Integrated Disclosure (TRID) rules, the lender is primarily responsible for preparing and delivering the Loan Estimate and Closing Disclosure.
Brokers and licensees do not prepare these forms.
However, licensees must be knowledgeable about the disclosures so they can help clients understand the process and provide necessary information for lender compliance.
Thus, the best practice is B: brokers should ensure licensees are aware of what the lender requires.
Reference: Truth in Lending Act (Regulation Z); RESPA (Regulation X); NJ Real Estate Salesperson Study Guide, Chapter on Federal Lending Laws.
NEW QUESTION # 54
Rents on a duplex total $600 monthly and are due the first of each month. If the sale of the duplex closes on the 15th of a month, the rental income will be reflected on the closing statement as a
Answer: B
Explanation:
In closing statements and prorations (Finance/Closing section of the NJ Real Estate Salesperson Pre- Licensure Study Guide), prepaid rents must be adjusted as of the closing date. Rent for the entire month ($600) was paid in advance to the seller on the 1st. On closing day (15th), the seller has received payment for the entire month, but the buyer is entitled to the income from the 15th through the end of the month. Half the rent ($300) must be credited to the buyer and debited to the seller.
(Reference: NJ Real Estate Salesperson Pre-Licensure Course Study Guide, Real Estate Finance-Prorations.)
NEW QUESTION # 55
A salesperson is convicted of a crime which involved activities as a real estate licensee. The Commission obtains a certified copy of the judgment of conviction against the salesperson. According to the New Jersey Real Estate License Law, the Commission MUST:
Answer: A
Explanation:
Under N.J.S.A. 45:15-17, the New Jersey Real Estate Commission (NJREC) has discretionary authority to determine appropriate disciplinary action when a licensee is convicted of a crime related to their licensed activities.
The Commission may choose to suspend, revoke, or otherwise discipline the licensee depending on circumstances.
It is not automatic that the license must be revoked or suspended; the Commission evaluates the case.
Correct answer = C.
Reference: NJ Real Estate Licensing Law, N.J.S.A. 45:15-17; NJ Real Estate Salesperson Study Guide, Chapter on Disciplinary Actions.
NEW QUESTION # 56
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