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🔥 Master Finance & Mortgages for the Real Estate Exam

👇 Try Birdsy Now 👇 Get access to complimentary real estate exam study sessions and experience how Birdsy can help you pass your exam with flying colors. 🌐 Visit https://Birdsy.ai ✅ Master real estate finance and mortgages! This video puts your real estate exam prep to the test with 50 questions covering vital financial principles, mortgage types, interest computations, and lending standards every future real estate professional must know. Get ready to boost your confidence and exam readiness! 💰🏠 ⏰ Mortgage Basics and Loan Types 0:25 - Types of Mortgage Loans (Conventional, FHA, VA, USDA) 3:31 - Fixed-Rate vs. Adjustable-Rate Mortgages (ARM) 5:23 - Balloon, Interest-Only, and Graduated Payment Loans Loan Qualification and Underwriting 7:40 - Loan-to-Value Ratio (LTV) and Debt-to-Income Ratio (DTI) 10:51 - Credit Scores and Loan Qualification 13:09 - Income, Assets, and Employment Verification Mortgage Markets and Lending Institutions 15:28 - Primary vs. Secondary Mortgage Market 18:32 - Fannie Mae, Freddie Mac, and Ginnie Mae 21:30 - Mortgage Brokers vs. Direct Lenders Loan Costs, Disclosures, and Regulations 23:44 - Truth in Lending Act (TILA) and RESPA 26:20 - Loan Estimate and Closing Disclosure Forms 28:22 - Predatory Lending Practices and Protections Foreclosure and Loan Default 30:29 - Judicial vs. Non-Judicial Foreclosure 33:19 - Short Sales and Loan Modifications 💡What is Birdsy? Birdsy is more than just a YouTube channel—it's an AI-enhanced exam prep platform packed with innovative features designed to help you succeed. Experience Birdsy, the future of exam preparation today! 🛎️ Subscribe To This Channel For: ✅ Comprehensive Real Estate Practice Exams ✅ Real Estate Exam Tips, Hacks and more! 👇 Topics Covered in This Video 👇 Mortgage Basics and Loan Types • Overview of various mortgage loan options (Conventional, FHA, VA, USDA) • Differences between fixed-rate and adjustable-rate mortgages (ARM) • Insights into balloon, interest-only, and graduated payment loans Loan Qualification and Underwriting • Key concepts of Loan-to-Value (LTV) and Debt-to-Income (DTI) ratios • The role of credit scores in securing a loan • Guidelines for verifying income, assets, and employment Mortgage Markets and Lending Institutions • Distinction between the primary and secondary mortgage markets • An introduction to major institutions like Fannie Mae, Freddie Mac, and Ginnie Mae • Comparison of mortgage brokers versus direct lenders Loan Costs, Disclosures, and Regulations • Understanding the Truth in Lending Act (TILA) and RESPA requirements • Details on loan estimate and closing disclosure forms • Awareness of predatory lending practices and borrower protections Foreclosure and Loan Default • Differences between judicial and non-judicial foreclosure processes • Examination of short sales and options for loan modifications Contact Us Have questions or need more information? Leave a comment below, visit our website, or send an email to [email protected]. 👀 Looking for trusted, unbiased resources on real estate licensing and exam preparation? Check out these authoritative organizations: ✅ National Association of Realtors (NAR) 🏡: Explore industry insights, market trends, and professional guidance at https://realtor.org. ✅ Real Estate Educators Association (REEA) 📚: Access peer-reviewed research and educational materials at https://realestateeducators.org. ✅ Birdsy.ai 🚀: Improve your pass-potential using AI powered, personalized exam prep at https://Birdsy.ai.