更多"[单选题] The Federal National Mortgage"的相关试题:
[单选题] The Federal Deposit Insurance Corporation (FDIC. insures each depositor at a commercial bank, savings and loan association, or mutual savings bank up to a loss of ________ per account.
A. $100,000
B. $250,000
C. $500,000
D. $1,000,000
[单选题] Mortgage-backed securities
A. have been growing in popularity in recent years as institutional investors look for attractive investment opportunities.
B. are securities collateralized by a pool of mortgages.
C. are securities collateralized by both insured and uninsured mortgages.
D. are all of the above.
E. are only A and B of the above.
[单选题] Federal funds
A. are short-term funds transferred between financial institutions, usually for a period of one day.
B. actually have nothing to do with the federal government.
C. provide banks with an immediate infusion of reserves.
D. are all of the above.
E. are only A and B of the above.
[单选题] Federal funds are
A. usually overnight investments.
B. borrowed by banks that have a deficit of reserves.
C. lent by banks that have an excess of reserves.
D. all of the above.
E. only A and B of the above.
[简答题] Mortgage interest rates loosely track interest rates on three-month Treasury bills.
[单选题] Which of the following protects the mortgage lender's right to sell property if the underlying loan defaults?
A. A lien
B. A down payment
C. Private mortgage insurance
D. Borrower qualification
E. Amortization
[简答题] Many institutions that make mortgage loans do not want to hold large portfolios of long-term securities, because it would subject them to unacceptably high interest-rate risk.
[简答题] Mortgage-backed securities have declined in popularity in recent years as institutional investors have sought higher returns in other markets.
[单选题] Distinct elements of a mortgage loan include
A. origination.
B. investment.
C. servicing.
D. all of the above.
E. only B and C of the above.
[简答题] Mortgage-backed securities are marketable securities collateralized by a pool of mortgages.
[简答题] Private mortgage insurance is a policy that guarantees to make up any discrepancy between the value of the property and the loan amount, should a default occur.
[单选题] During the early years of a balloon mortgage loan, the lender applies
A. most of the monthly payment to the outstanding principal balance.
B. all of the monthly payment to the outstanding principal balance.
C. most of the monthly payment to interest on the loan.
D. all of the monthly payment to interest on the loan.
E. the monthly payment equally to interest on the loan and the outstanding principal balance.
[单选题] Which of the following are true of mortgage interest rates?
A. Interest rates on mortgage loans are determined by three factors: current long-term market rates, the term of the mortgage, and the number of discount points paid.
B. Mortgage interest rates tend to track along with Treasury bond rates.
C. The interest rate on 15-year mortgages is lower than the rate on 30-year mortgages, all else the same.
D. All of the above are true.
E. Only A and B of the above are true.
[单选题] During the last years of a balloon mortgage loan, the lender applies
A. most of the monthly payment to the outstanding principal balance.
B. all of the monthly payment to the outstanding principal balance.
C. most of the monthly payment to interest on the loan.
D. all of the monthly payment to interest on the loan.
E. the monthly payment equally to interest on the loan and the outstanding principal balance.
[简答题] An advantage of a graduated-payment mortgage is that borrowers will qualify for a larger loan than if they requested a conventional mortgage.
[简答题] In 2012, mortgage loans to farms represented the largest proportion of mortgage lending in the U.S.
[简答题] Nearly half the funds for mortgage lending comes from mortgage pools and trusts.
[单选题] Which of the following is true of mortgage interest rates?
A. Mortgage rates are closely tied to Treasury bond rates, but mortgage rates tend to stay below Treasury rates because mortgages are secured with collateral.
B. Longer-term mortgages have higher interest rates than shorter-term mortgages.
C. Interest rates are higher on mortgage loans on which lenders charge points.
D. All of the above are true.
E. Only A and B of the above are true.
