Solar easements
a. Are illegal in most states
b. Provide the easement holder with a right to light
c. Exist because the U.S. follows the doctrine of ancient lights
d. Both b and c
e. None of the above
The Yield Spread Premium (YSP) is
a. The difference between the lowest mortgage rate the borrower qualifies for and the
rate the mortgage broker is able to obtain
b. The difference between the interest rate and the APR
c. The total amount for closing given in the GFE vs. the actual closing costs
d. The discount rate for FHA loans
Jason Whitesides passed away with a will that awarded his estate to his children or
grandchildren if his children predecease him. The will directs a per stirpes distribution.
Jason has three children, Joan, John and James. However, James died one year before
Jason. James is survived by two children, Jack and Jane. How is the estate to be
distributed?
a. Joan ‘“ 1/3, John ‘“ 1/3, Jack ‘“ 1/6, Jane 1/6