Kiến thức vay thế chấp chungCâu 155 / 400
The three main national consumer credit reporting bureaus used in mortgage lending are:
a.FHA, VA, and USDA
b.Fannie, Freddie, and Ginnie
c.Equifax, Experian, and TransUnion
d.HUD, CFPB, and FTC
Giải thích
Equifax, Experian, and TransUnion are the three major credit bureaus that produce the reports and scores used in underwriting. The other lists are loan programs, secondary-market entities, or regulators — not credit bureaus.
Luyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
Câu hỏi liên quan cùng chủ đề
- The VA funding fee is best described as:
- A conventional 97 program allows financing up to 97% LTV. On a $300,000 home, what is the minimum down payment under this program?
- A common conventional qualifying guideline is a 28/36 ratio. For a borrower earning $6,000 gross monthly, what is the maximum total monthly debt (including PITI) under the 36 figure?
- Loan-to-value (LTV) is calculated as:
- A borrower buys a $525,000 home and finances $420,000. What is the LTV?
- A property appraises at $250,000. The borrower has a first mortgage of $150,000 and wants a second mortgage of $37,500. What is the resulting CLTV?
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