GOLD COAST 45 HOUR POST LICENSING
EXAM ACTUAL TEST 2026 QUESTIONS WITH
VERIFIED ANSWERS
◉ What type of loan allows a borrower who has an existing loan to
get another loan from a second lender without paying off the first
loan?
A. a wraparound loan
B. a home equity loan
C. a HARP loan
D. an ARM. Answer: a
◉ Which FHA program insures a loan for 30 years to purchase a unit
in a condominium building?
A. Section 203(b)
B. Section 203(k)
C. Section 245(b)
D. Section 234(c). Answer: d
,◉ The reciprocal rights and liabilities between a principal and an
agent reflect commercial and
A. contractual rights
B. business negotiations
C. legal realities
D. personal realities. Answer: c
◉ The only situation when discrimination based on familial status
may be legal is
A. if the family is in the process of adopting a child
B. when a building qualifies as housing for older persons
C. when a woman is pregnant
D. when a relative has legal custody of a child. Answer: b
◉ A person with a disability can
A. make any changes he or she wishes to a building or common area
B. request the landlord reduce the rent amount to compensate for
building challenges
C. make reasonable modifications at his or her own expense
,D. demand reasonable modifications be made at the landlord's
expense. Answer: c
◉ The Supreme Court has ruled that testing is
A. illegal if the tester does not identify that he or she is a tester
B. illegal
C. legal
D. legal, but only in certain situations. Answer: c
◉ Cases involving testers
A. are taken less seriously than other cases of housing
discrimination
B. hold the same weight as other cases of housing discrimination
C. are taken more seriously than other cases of housing
discrimination
D. make up the bulk of fair housing violation cases. Answer: b
◉ Civil rights laws in the real estate industry are designed to
A. give everyone the same options when choosing housing
, B. create a situation where people with similar financial means have
similar choices when choosing housing
C. provide government assistance to find and qualify how housing
accommodations
D. offer more affordable housing options to people with low income.
Answer: b
◉ When HUD receives a complaint, within how many days will it
start an investigation?
A. 30
B. 60
C. 75
D. 100. Answer: d
◉ When encountering a tester, which of the following should be
avoided?
A. treat the tester like any other buyer
B. try to frustrate the tester
C. respond only to the questions asked
D. provide the same level of service as normally provided. Answer: b
EXAM ACTUAL TEST 2026 QUESTIONS WITH
VERIFIED ANSWERS
◉ What type of loan allows a borrower who has an existing loan to
get another loan from a second lender without paying off the first
loan?
A. a wraparound loan
B. a home equity loan
C. a HARP loan
D. an ARM. Answer: a
◉ Which FHA program insures a loan for 30 years to purchase a unit
in a condominium building?
A. Section 203(b)
B. Section 203(k)
C. Section 245(b)
D. Section 234(c). Answer: d
,◉ The reciprocal rights and liabilities between a principal and an
agent reflect commercial and
A. contractual rights
B. business negotiations
C. legal realities
D. personal realities. Answer: c
◉ The only situation when discrimination based on familial status
may be legal is
A. if the family is in the process of adopting a child
B. when a building qualifies as housing for older persons
C. when a woman is pregnant
D. when a relative has legal custody of a child. Answer: b
◉ A person with a disability can
A. make any changes he or she wishes to a building or common area
B. request the landlord reduce the rent amount to compensate for
building challenges
C. make reasonable modifications at his or her own expense
,D. demand reasonable modifications be made at the landlord's
expense. Answer: c
◉ The Supreme Court has ruled that testing is
A. illegal if the tester does not identify that he or she is a tester
B. illegal
C. legal
D. legal, but only in certain situations. Answer: c
◉ Cases involving testers
A. are taken less seriously than other cases of housing
discrimination
B. hold the same weight as other cases of housing discrimination
C. are taken more seriously than other cases of housing
discrimination
D. make up the bulk of fair housing violation cases. Answer: b
◉ Civil rights laws in the real estate industry are designed to
A. give everyone the same options when choosing housing
, B. create a situation where people with similar financial means have
similar choices when choosing housing
C. provide government assistance to find and qualify how housing
accommodations
D. offer more affordable housing options to people with low income.
Answer: b
◉ When HUD receives a complaint, within how many days will it
start an investigation?
A. 30
B. 60
C. 75
D. 100. Answer: d
◉ When encountering a tester, which of the following should be
avoided?
A. treat the tester like any other buyer
B. try to frustrate the tester
C. respond only to the questions asked
D. provide the same level of service as normally provided. Answer: b
