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- 109 Which of the following loan types may be considered a qualified loan under ability-to-pay rules? A) An interest-only mortgage B) A loan with a balloon payment C) A loan with negative amortization D) A mortgage with an adjustable rateDetermine the decision nature of each of the following issues: . Choosing among lenders and among loan types?A borrower elects to receive a lender credit. Which of the following effects will the lender credit likely have on the transaction? A)Higher interest rate B) Higher closing costs C) Higher origination fee D) Higher mortgage loan amount
- 3. Describe various loan programs available from the small business administration (SBA).According to the TILA-RESPA Integrated Disclosure rule (TRID), which of the following parties is responsible for providing the Loan Estimate? A) The real estate broker B) The lender C) The loan servicer D) The closing agentDetermine the collateral you have that may help you secure a loan from a bank, credit union or other sources of debt financing (home, car, equipment, land, stock, assets of a cosigner, etc.) Identify a source of debt financing that may be available to you (friends, family members, credit cards, trade credit, banks, credit unions, private lenders, etc.). Describe the type of loan (term loan, promissory note, line of credit, SBA, etc.), the amount of money that might be available, the possible interest on the loan, and the security that might be required. Identify a potential partner or firm that might provide equity financing for your new business. What types of businesses do they like to invest in? How much money do they typically invest in each deal? At what stages of the business do they generally invest? Why would they be a good partner for your business? Note:- Do not provide handwritten solution. Maintain accuracy and quality in your answer. Take care of plagiarism. Answer…
- describe 3 key changes in healthcare finance over the past 30 yearsThe term "subprime or nonprime" refers to which of the following credit risk characteristics of individual borrowers? AO Low loan-to-value ratios Low debt-to-Income ratios 898 High credit scores High levels of past loan delinquencies 00 €Obtain and review a credit policy and procedures document from any selected financial institution. Review the contents and write a critique on the three key areas addressed in the policy. Highlight any one area which you think was not properly addressed, making two recommendations for improvement of the document, the policy and procedures
- A lender is permitted to accept the employment information provided by the borrower on the initial loan application without asking for a letter of explanation in which of the following circumstances? A) The borrower lacks a history in an industry that requires specific skills. B) The borrower has been employed by the same company for three years. C) A recent college graduate holds a high-level position in the organization. D) The residence is more than 120 miles from the work location on a refinance.According to the Real Estate Settlement Procedures Act (RESPA), which of the following information is required for a completed application for an extension of credit? A) A bank statement B) The purchase contract C) The borrower's date of birth D) The mortgage loan amount soughtwhat are the Advantages of the art approach to credit risk analysis?
