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Real Estate Licensing Virginia Real Estate Salesperson Exam Sample Questions (Q105-Q110):

NEW QUESTION # 105
Which of these is an example of a deed restriction?

Answer: D

Explanation:
Deed restrictions (also called restrictive covenants) are private restrictions placed in deeds or subdivision rules by developers or homeowners associations.
They control how property can be used (e.g., no RVs, no fences over certain height).
Other options:
(A) City denying permit = zoning regulation (public restriction).
(C) Environmental impact statement = government regulation, not a deed restriction.
(D) Bathroom requirement = building code, not private restriction.
Reference:
Virginia Real Estate Principles & Practices - Land Use Controls (public vs private) Code of Virginia Title 55.1, Chapter 19 (Restrictive Covenants)


NEW QUESTION # 106
One township contains how many sections?

Answer: C

Explanation:
U. S. Public Land Survey System (PLSS)
Virginia Real Estate Principles - Land descriptions section
A490-02REGS.pdf - Legal descriptions curriculum
Explanation:
Under the Rectangular (Government) Survey System:
A township = 6 miles × 6 miles = 36 square miles.
Each township is divided into 36 sections.
Each section = 1 mile × 1 mile = 640 acres.
Reference (Virginia Real Estate):


NEW QUESTION # 107
All of the following are examples of legal descriptions of property EXCEPT:

Answer: B

Explanation:
Legal descriptions must be precise and unique so land can be located without confusion.
Accepted forms:
Metes and bounds
Rectangular (government) survey (e.g., "SW 1/4 of NW 1/4...")
Lot and block (e.g., subdivision plats)
A street address (Option B) is not a legal description-too general and can change.
Reference:
Virginia Real Estate Principles & Practices - Legal Descriptions
Virginia Exam Outline - Land and Property Descriptions


NEW QUESTION # 108
What does a lender use to discover all possible defendants in a foreclosure lawsuit?

Answer: B

Explanation:
When a lender initiates foreclosure, they must identify all parties with a potential legal claim or interest in the property (possible defendants). To do this, the lender orders a title search, which examines the public records for:
Current and past owners
Liens, judgments, and encumbrances
Easements, restrictions, and mortgages
This ensures that all claimants (junior lien holders, judgment creditors, co-owners, etc.) are properly notified and named in the foreclosure action.
Reference (Virginia Real Estate):
Virginia Code § 55.1-3200 et seq. (Foreclosures, judicial process)
Virginia Principles & Practices of Real Estate - Title and Foreclosure sections A490-02REGS.pdf (Foreclosure & Settlement Process content in licensing curriculum)


NEW QUESTION # 109
When must a lender provide borrowers with a Closing Disclosure?

Answer: A

Explanation:
The TILA-RESPA Integrated Disclosure Rule (TRID) requires that the lender provide the Closing Disclosure (CD) at least three business days prior to loan consummation. This ensures that borrowers have adequate time to review the final loan terms, costs, and obligations.
If significant changes occur (such as APR change beyond tolerance, loan product change, or addition of a prepayment penalty), a new three-day waiting period is triggered.
This rule is enforced by the Consumer Financial Protection Bureau (CFPB) but is an important part of Virginia real estate education since agents must be aware of closing timelines.
Reference (Virginia Real Estate & Federal):
TRID Rule under Regulation Z (12 CFR 1026.19(f))


NEW QUESTION # 110
......

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