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NES Special Education Exam 2023 with complete solution

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NES Special Education Exam, With Complete Solution Which of the following disabilities is degenerative and often leads to death in adolescence or early adulthood? a. muscular dystrophy b. epilepsy c. type 1 diabetes d. spina bifida a. muscular dystrophy Compared with children without hearing loss, children born with hearing loss are more likely to experience significant delays in which of the following developmental domains? a. cognitive b. emotional c. fine-motor d. language d. language Which of the following fine-motor skills do children typically develop LAST? a. turning door knobs b. drawing circles c. cutting shapes with scissors d. turning one page of a book at a time c. cutting shapes with scissors Compared with students with mild intellectual disabilities, students with learning disabilities are more likely to have: a. satisfying social relationships when they reach adulthood. b. successful experience in a general education classroom placement. c. deficits in fine- and/or gross-motor skill development. d. one or more specific cognitive difficulties rather than global delays. d. one or more specific cognitive difficulties rather than global delays. Students with mild intellectual disabilities tend to exhibit which of the following characteristics? a. difficulty applying newly learned skills to a different context. b. relative strength in retaining information in short-term memory. c. difficulty learning by observing others. d. relative strength in maintaining attention to the task at hand. a. difficulty applying newly learned skills to a different context. Which of the following gross-motor skills do children typically develop LAST? a. catching a ball with their arms held straight. b. jumping forward, taking off, and landing with two feet. c. walking upstairs using alternating feet. d. kicking a stationary ball. b. jumping forward, taking off, and landing with two feet. Which of the following students is demonstrating characteristics most often associated with an emotional impairment? a. a second-grade student who frequ

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Real Estate Finance Exam Prep - Loan Types Latest 2023
with complete solution
What type of loan is guaranteed by a governmental agency?
VA loan
What type of loan is insured by a governmental agency?
FHA
What type of government loan typically requires only a 3.5% down payment?
FHA
In what type of government loan can the down payment be as low as 0%?
VA
What is MIP and when is it required?
Mortgage insurance premium, required for FHA loans
When is private mortgage insurance required?
When a conventional loan exceeds an 80/20 loan-to-value ratio
What type of mortgage insurance is required for a VA loan?
None; any requirement for mortgage insurance is prohibited with a VA loan
What is a non-conforming loan?
One that does not meet Fannie Mae/Freddie Mac guidelines, and therefore will be
difficult to sell on the secondary market
What type of entities are Fannie Mae and Freddie Mac?
Private corporations/government-sponsored entities (not governmental agencies)
Which two government-sponsored entities act as a link between the government,
banks, and Wall Street?
Fannie Mae and Freddie Mac, which buy mortgages, package them, and resell them as
mortgage-backed securities
Which mortgage market is comprised of lending institutions that lend directly to
the consumer?
The primary mortgage market
Which financing product comes with an interest rate that fluctuates based on the
economic index to which it's tied?
Adjustable rate mortgage (ARM)
What's the term for debt paid off by making periodic payments consisting of
interest and principal?
Amortization
In what type of loan is only interest paid until the end of the loan term, when the
principal is repaid in full?
Straight, or interest-only, loan
In what type of loan does the interest rate remain the same but monthly payments
increase over time according to a set schedule?
Growing equity
What is an ARM cap?
A limit to the amount the interest on an adjustable rate mortgage may adjust in a given
period, or for the life of the loan

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