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100% Pass Quiz 2025 High-quality Maryland-Real-Estate-Salesperson: Maryland Real Estate Salesperson Examination Reliable Test Test

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Real Estate Maryland Real Estate Salesperson Examination Sample Questions (Q30-Q35):

NEW QUESTION # 30
What might the financial implications be if a buyer needed to use individual retirement account funds toward a down payment?

A. Funds can be used if they go toward the borrower's first-time homeownership in the last five years.
B. The funds are taxable, and an early withdrawal penalty fee will apply.
C. Income taxes are waived on IRA distributions for homeownership.
D. First-time homebuyers can use up to $10,000 of their IRA funds penalty free for down payment and closing costs.

Answer: D

Explanation:
Under the first-time homebuyer exception for IRAs, qualified individuals may withdraw up to $10,000 (lifetime limit) to pay qualified acquisition costs (e.g., down payment and closing costs) without the 10% early withdrawal penalty. Standard income tax may still apply to traditional IRA distributions (Roth rules differ for contributions vs. earnings and five-year holding). Therefore, penalty-free (not tax-free) withdrawals up to $10,000 are permitted for first-time home purchase needs.
References: Maryland pre-licensing curriculum-Real Estate Financing (sources of down payment funds; IRA first-time homebuyer exception; overview of tax and penalty treatment).

NEW QUESTION # 31
Plat of Block 28, Woodmen Heights Tract, recorded in Map Book 27, page 68, at the Elder County Records Office is an example of which essential element of a deed?

A. Habendum clause
B. Granting clause
C. Consideration
D. Legal description

Answer: D

Explanation:
A reference to a recorded plat (lot and block system) is a form of legal description, an essential element that precisely identifies the property being conveyed. Consideration is the value exchanged; the granting clause (words of conveyance) shows intent to transfer; the habendum clause defines the estate being granted (e.g., "to have and to hold...").
References: Maryland 60-Hour Course: "Transfer of Title" (deed essentials-parties, consideration, granting clause, legal description, habendum, execution, delivery, acceptance).

NEW QUESTION # 32
Disclosing which of the following facts would be considered a fair housing violation?

A. The current owner has HIV.
B. The property has been treated for pests.
C. The roof was replaced last year.
D. The kitchen was remodeled five years ago.

Answer: A

Explanation:
Under the federal Fair Housing Act, "handicap" (disability) is a protected class. HIV/AIDS is considered a disability, and making statements or disclosures that identify or single out someone based on a protected characteristic is prohibited. Disclosing that an owner (or occupant) has HIV is treated as discriminatory, violates fair housing standards, and also breaches confidentiality. Maryland fair housing law mirrors and expands federal protections, and the pre-licensing course emphasizes that licensees must never disclose information tied to protected classes because it can facilitate or signal discriminatory treatment (e.g., steering, discouraging, or differential terms).
References: Maryland 60-Hour Course: "Fair Housing and Ethics" (protected classes; prohibited statements and disclosures tied to disability); Federal Fair Housing Act (disability as a protected class); Maryland Fair Housing provisions (State Government Article, Title 20).

NEW QUESTION # 33
_____ is a process in which an appraiser determines a probable range of values for a property by comparing a group of comparable sales to the subject. The appraiser attempts to include both superior and inferior units of comparison, such as age and transaction price.

A. Surrounding
B. Bracketing
C. Bridging
D. Substituting

Answer: B

Explanation:
In the valuation module, the course explains bracketing as an appraisal technique where the appraiser selects comparables that are both superior and inferior to the subject on key characteristics (e.g., gross living area, condition, lot size, age, quality, transaction price) to "bracket" the likely value range. Proper bracketing strengthens the sales comparison approach and supports a credible reconciliation by demonstrating the subject's position within a range indicated by the market.
References: Maryland 60-Hour Principles and Practices of Real Estate - Appraisal and Valuation: sales comparison approach, selection of comparables, units of comparison, and bracketing methodology.

NEW QUESTION # 34
What do you call the person or entity that oversees trust or escrow money?

A. Special agent
B. Escrow master
C. Mortgage agent
D. Escrow agent

Answer: D

Explanation:
Comprehensive and Detailed
The escrow agent (often the broker, title company, or attorney) is the fiduciary who receives and holds trust money in a regulated escrow account until contract terms are fulfilled. In Maryland, the broker is responsible for maintaining escrow records and depositing all trust money promptly in accordance with COMAR 09.11.02.19. "Escrow master" and "mortgage agent" are not legal titles under Maryland law, and "special agent" refers to the agency relationship, not handling of funds.

NEW QUESTION # 35
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