National practice exam

Your clients are purchasing a $160,000 home. If they have a down payment of 25% and the bank charges two points at closing, how much are they paying in points?

$2,400

A buyer with a $350,000 loan has a monthly principal and interest payment of $2,102.36. If $1,801.23 is interest, what's the new principal balance after the first payment is applied?

$349,698.87

Kelly is purchasing a property that has an assessed value of $160,000. If the tax rate is 2.5%, what will Kelly likely pay annually in property taxes? $160$400$4,000$40,000

$4,000 (160,000 X 0.025)

The lender will charge a one-and-a-half-point origination fee and two loan discount points. What will be the total due for points on a $115,000 loan? $1,725$2,300$4,025$575

$4,025

Your buyer client, Max, just signed a purchase agreement for a $520,000 home. He has a 60% LTV ratio, and his lender's charging a 1.5% loan origination fee. What loan origination fee can Max expect to pay at closing? $2,200$3,120$4,200$4,680

$4,680

Roland's farm land is assessed at 1.5 million dollars and the improvements for $500,000. At a tax rate of 4 mills, how much are Rolan's monthly taxes? $6,667.00$667.00$8,000.00$80,000.00

$667.00

you sell a home for $143,000, and your commission rate is 5%, what is your commission on the sale of this home? $7,150$7,500$8,580$9,440

$7,150

If an apartment building is valued at $970,000 and has a capitalization rate of 9%, what is the net operating income? $112,000$87,300$882,700$9,278

$87,300

A buyer with a 20-year, $419,000 loan at a 4.25% interest rate has a monthly principal and interest payment totaling $2,594.59. If $1,483.95 is interest, how much is applied toward principal for that payment? $1,110.64$1,246.10$1,578.57$1,780.75

1,110.64

A 20-unit apartment building sells for $5 million. The property can bring in $400,000 in annual gross income. What is the gross income multiplier (GIM)? 0.1251251.2512.5

12.5

Your client, a builder, is considering buying three adjacent lots. They each have the same depth, 275 feet. Lot A is 35,750 s.f., Lot B 53,900 s.f., and Lot C is 33,000 s.f. If your client buys all three lots, what total street frontage will he have? 446 feet462 feet464 feet466 feet

446 feet

Regina purchases a farm with 80 acres and owns her property in severalty. What does this mean for the company that purchased the mineral rights from the previous owner? Regina and the company that purchased the mineral rights are automatically tenants in common, since they share ownership of the property.Regina didn't purchase the mineral rights, which have been severed from the property by the previous owner.Regina included the mineral rights in her purchase agreement, since she could not otherwise own the property in severalty.Regina is the sole owner, and the company must accept a fractional portion of the sales price in return for forfeiting the mineral rights.

Regina didn't purchase the mineral rights, which have been severed from the property by the previous owner.

Assuming that dual agency is legal where these scenarios occur and that the licensees' brokerages permit it, which of these situations demonstrates illegal dual agency? Jarrod represents the seller, Juan. A buyer, Alaina, approaches Jarrod about representing her in the purchase of Juan's house. Jarrod obtains Juan and Alaina's consent to dual agency.Kady's firm uses representation agreements that, when signed, provide consent to dual licensee dual agency. Kady's buyer makes an offer on one of Kady's colleague's listings.Levi's customer, Renee, wants to make an offer on Levi's seller client's home. Levi presents Renee's offer to his client.Tom is holding an open house for his client. Ruby, a buyer, says she wants to make an offer. She details her situation; Tom waits until she finishes and then suggests that she offer a non-refundable earnest money deposit to strengthen her offer.

Tom is holding an open house for his client. Ruby, a buyer, says she wants to make an offer. She details her situation; Tom waits until she finishes and then suggests that she offer a non-refundable earnest money deposit to strengthen her offer.

Luci's client Kaden wants to purchase a new construction property, and he wants to get as much house as he can afford. Which of the following does Luci need to advise Kaden about regarding interest rates when purchasing a newly built home? If Kaden uses his builder's lender, he can get a better interest rate and won't have to worry about market fluctuations between now and closing.Kaden doesn't need to worry about interest rates for his long-term mortgage until 90 days prior to closing when he can lock in the best rate.Kaden needs to allow for the possibility of an interest rate increase between now and closing because lenders aren't likely to lock in an interest rate for more than 90 days before closing.Kaden needs to lock in the interest rate on his long-term mortgage now to avoid unexpected increases that could put his loan amount over his approval amount.

a 36- square mile formed in the use of the rectangular govt survey system

Drake's offer to purchase Kevin's condo currently has a financing contingency, an inspection contingency, an appraisal contingency, and a sale of current home contingency. Kevin also got an offer from Lucy, which came in at $5,000 less than Drake's offer but with only an appraisal contingency. What is true about Drake's offer compared to Lucy's? It's likely viewed as a less favorable offer.It's likely viewed as a lowball offer.It's likely viewed as a more favorable offer.It will likely set off a bidding war.

a charge of agreeing to discriminate by limiting access to the property

Which of the following would be considered a foreign person according to FIRPTA? A company incorporated in France with regional development offices in the U.S.A global corporation headquartered in the U.S. with sales offices in six other countriesAn individual green card holder currently living in the U.S.A real estate investor with dual citizenship in the U.S. and in Canada

a company incorporated with regional development offices in the U.S. corporate entities that are formed outside the U.S. are considered foreign persons for the sake of the Foreign investment in Real Estate Property Tax Act

Li Meng purchased a property that had been owned by the same man for more than 40 years. The title search was clean. In the spring, she started seeing traffic on the path to her dock and discovered that the previous owner had always allowed the locals to use his path to get to the lake. What covenant may have been breached? Against encumbrancesQuiet enjoymentRight to conveySeisin

against encumbrances the previous property owner failed to disclose to Li men that there was an easement (which is an encumbrance) across from the property

The fibers of what material are dangerous when inhaled because they can lodge in the lungs and intestines, causing cancer? AsbestosLead paintRadonSilicone

asbestos fibers enter the air when asbestos decals and is disturbed

Which department typically decides which development projects require a permit or approval? Building departmentEnvironmental compliance departmentHealth departmentHousing department

building department

Sophie received title to her grandmother's farm last spring. For almost 100 years, Sophie's family has kept cows and goats on the 120-acre property. The deed came with a caveat: Sophie is never to raise pigs on the farm. If she does, then the property is transferred to her brother. What did Sophie's grandmother create? AbatementConditionCovenantRestriction

condition this situation describes a deed condition which is a qualification or requirement placed on property ownership. if the owner doesn't comply with the condition, ownership is lost

Alice owned a double lot on the waterfront. She sold the lot to Ronesha and included a deed restriction prohibiting construction of any building taller than one story. Ronesha wants a three-story house. What should she do? Apply to the zoning board of appeals for a variance.Check to see if the building code will permit a larger house.Conform to the deed restriction.File a suit against Alice to have the restriction removed.

conform to the deed restriction Once placed in a deed, restrictions are binding on current and future owners. Litigation or zoning board appeals won't change or remove them.

Which of the following could be an indication of a foundation problem? Crack in a basement wallDoors that open and close easilyLack of moisture in the basementWindows that open and close properly

crack in basement wall

What factors does the underwriter consider in reviewing a mortgage loan application? Capacity, collateral, and criminal recordCredit, capacity, and collateralCredit, capacity, and collectionsCredit, credentials, and collateral

credit, capacity and collateral

Mario lives in a state that requires an abstract of title for property conveyance. The chain of title is broken approximately 50 years prior to the current date. Which of these properly identifies the status of Mario's title? As long as the chain of title is traceable for at least the past 30 years, Mario will have marketable title.Depending on his state's laws, Mario may have marketable title.Mario will have to perform his own research to find information necessary for repairing the broken link.Unless the chain of title can be tracked back to its beginning, Mario won't have marketable title.

depending on his states laws, Mario may have marketable title If a link in the chain of title is broken, the attorney performing the search will branch out from public records to try to mend the link. State laws dictate how far back the chain must be unbroken for a title to be marketable.

Margaret has an L-shaped living room. How would you calculate the area of this room? Divide the room into two rectangles, calculate the area of each, and add those together.Measure the room as if it were a single rectangle and compute the total square footage.Measure the room as if it were a single rectangle, compute the total square footage, and divide by two.Select the larger of the two rectangles that form this room, calculate its area, and multiply by two.

divide the room into two rectangles, calculate the area of each, and add those together. to calculate the square footage of irregular shapes, divide the shape into familiar shapes (typically triangles and rectangle for exam purposes), calculate the area of each and then add the areas together

Which of the following is a tactic used by a predatory lender? Charging minorities lower interest ratesEncouraging debtRefusing to loan to minoritiesSelling mortgages on the secondary market

encouraging debt Predatory lenders take advantage of consumer naiveté to increase their debt while financing risky loans.

Your buyer clients, the Thompsons, told you about a problem they ran into with the lender that handled their mortgage. The Thompsons, who are African American, were given less favorable loan terms than a white couple they know who used the same lender. You know the Thompsons have excellent credit. Which act should you make them aware of? Community Reinvestment ActConsumer Credit Protection ActEqual Credit Opportunity ActHome Mortgage Disclosure Act

equal credit opportunity act

Which of the following statements about escrow accounts is correct? An escrow account is a temporary account that's opened for use with a single transaction and closed after the transaction closes.An escrow account is held by either the buyer or seller, and houses the buyer's earnest money until closing.Escrow accounts are managed by brokerage firms, and hold funds used to pay operating expenses and agent commissions.Escrow accounts are managed by escrow agents, and are used to hold funds belonging to others, such as earnest money deposits.

escrow accounts are managed by escrow agents and are used to hold funds belonging to others, such as earnest money deposits

The Nettles have accepted the Briars' purchase offer, and both parties have signed the sales contract. What type of contract do the Nettles and the Briars have? ExecutedExecutoryUnilateralVoidable

exclusive agency It's easy to confuse exclusive agency and exclusive right to sell. With exclusive agency, the seller retains the right to find a buyer and avoid paying the commission, but the seller's listing will likely receive more attention from the agent than it would with an open listing.

When working with a seller, you signed a listing agreement that ensured you'd receive a commission, provided the property sold during the listing term. What type of listing agreement did you sign? Exclusive agencyExclusive right to collect commissionExclusive right to sellNet listing

exclusive right to sell

Sue Ellen has a contract to buy Roger's house, which she has always admired, when Roger decides he's ready to move to a senior living community. After Roger finds a suitable senior apartment and moves, Sue Ellen writes a check for the agreed-upon amount, and Roger transfers the deed to her. What is happening in this scenario? AssignmentBreachNovationPerformance

executory The Nettles and Briars have a valid contract that's in the process of being completed. Because one or more terms of the contract must still be completed, they have an executory contract.

Which of these describes a bridge loan? Frieda is leasing a property from Thomas, and has the first right to purchase the property if Thomas decides to sell it.Gina is moving across the country to be closer to her family. Her existing home hasn't sold, but she is ready to purchase her new home.Rhonda is purchasing land from Kenneth on which she hopes to build a tiny home. Kenneth carries the mortgage note.Terry and Carla take out a home equity loan to make the down payment on a vacation home in Mexico.

gina is moving across the country to be closer to her family. her existing home hasn't sold, but she is ready to purchase her new home

Stella owns a building in an area of town that's being revitalized. Local property owners believe property values will increase considerably over the next 10 years. Stella wants to entice long-term tenants with a low initial rent but have the flexibility to increase rent as her property's value increase. What type of lease should she consider? GraduatedGrossNetPercentage

graduated

When interest rates are ______, buyers are often priced out of the market. HighLowSteadyVariable

high

Related to reasonable accommodation of being allowed to have an assistance animal, which statement is true? If the disability for which the tenant is making the request is obvious, the landlord may not ask why it is needed.If the disability is not obvious, the tenant must provide the landlord with full medical records to support the request.The landlord is not obligated to consider the request unless the tenant can produce either the original or a certified true copy of the animal's service certification.The landlord must consider the request but may require an additional "pet" security deposit.

if the disability for which the tenant is making the request is obvious, the landlord may not ask why it is needed Housing providers may inquire as to the nature of the disability if it's not apparent, and they must permit assistance animals for tenants with documented disabilities without charging an additional pet deposit.

As interest rates fall, what is the number of buyers in the market likely to do? Act independently from interest rate changesDecreaseIncreaseRemain steady

increase

Hannah wasn't able to get the financing to open her boutique, so her mother came on as a silent partner and provided additional cash. Hannah and her mother have an agreement that states Hannah's mother can't be held financially or legally liable if there are any problems with the store. What type of contract clause is this? ArbitrationChoice of lawDamages blockIndemnification

indemnification

Estelle is representing seller Margaret. Which of the following tasks is one that Estelle is required to perform as Margaret's agent? Decide at which price to list the property based on comparables.Give the buyer's earnest money to Margaret to deposit into her personal checking account.Hire someone to market the property.Inform Margaret about required property condition disclosures.

inform target about required property condition disclosures

Eleanor is moving from a starter home into something a little larger. Her agent has cautioned her against making the offer on the new place contingent on the sale of Eleanor's starter home. Why the caution? Eleanor might want to keep and rent out her smaller home as an income source.Eleanor should include a minimum of two contingencies to let the sellers know she is serious.Eleanor's lender might be wary of contingencies.Sellers would view an offer without that contingency as a stronger offer.

it depends on the sellers needs and motivations

What's the purpose of a firewall? It backs up your files to an external hard drive.It encrypts your email.It prevents hackers from infecting your system with viruses, worms, and malware.It stores logins and passwords.

it prevents hackers from infecting your system with viruses, works and malware

What phrase do many real estate contracts contain that reminds the parties to avoid unnecessary delays to the transaction, and to adhere to all contract dates? Haste makes wastePatience is a virtueSeek the advice of an attorneyTime is of the essence

its likely viewed as a less favorable offer

Krening Realty has been found guilty of running deceptive ads. Which of these statements about the potential penalty is NOT true? If Krening violates the cease-and-desist order, the firm may face penalties up to $43,792 for each day a deceptive ad runs.Krening may be required to run corrective advertising.Krening's broker may face jail time.The firm may face civil penalties ranging from the thousands to millions of dollars, depending on the infraction.

kernings broker may face jail time

Which of these is the best definition of real estate? Everything that's not real propertyLand, plus all things permanently attached to it naturally or artificiallyReal property, plus all of the interests, benefits, and rights included in ownershipThe earth's surface extending downward to the center of the earth and upward to infinity, including permanently attached natural objects

land, plus all things permanently attached to it naturally or artificial

Which type of agent is an escrow officer? General agentLimited agentSingle agentUniversal agent

limited agent an escrow officer works in limited agency capacity

While hosting an open house, Liza speaks with prospective buyers. They're interested in the house, but think the listing price is a little high. They ask her what other incentives they could include in their offer to get the seller to come down on their price. If Liza helps them, what duty may she be breaching? AccountingLoyaltyObedienceReasonable skill and care

loyalty

Margo's accountant tells her that she's eligible to deduct the property taxes she paid last year. Select the statement about this deduction that's true. Margo can only deduct the property taxes charged back to her at closing.Margo has to be an investor to be eligible to deduct property taxes.Margo is in the ownership stage of the property ownership lifecycle.Margo is in the reversion stage of the property ownership lifecycle.

margo is in the ownership stage of the property ownership lifecycle

When real estate licensee Brian discovered that real estate licensee Arnold was using a "Choose Your Neighbor" letter to market a property without also listing the property in the MLS, in the local paper, or even putting a for sale sign in the yard, what charge could he bring against Arnold to the National Association of REALTORS®? A charge of agreeing to discriminate by limiting access to the propertyA charge of misrepresenting the property for saleA charge of not fulfilling his fiduciary duties to his client by not conducting a complete marketing planA charge of unfair practice because his mother did not get one of the "Choose Your Neighbor" letters

nadine dies with no heirs and no debt

Corinne is 68 years old and employed full time. She's of Spanish descent, is raising her 12-year-old grandson, and lives with her partner, Katherine. She requires an accessible apartment because she uses a wheelchair. Under which of the following federally protected classes might Corinne be protected if she faces housing discrimination?

national origin, sex, disability, and familial status

Following all of the client's lawful instructions describes which fiduciary duty? DisclosureLoyaltyObedienceReasonable skill and care

obedience

Frank is representing Jonathan in the sale of his home. A buyer approaches Frank at Jonathan's open house, and Frank agrees to represent her in purchasing Jonathan's house. What must Frank do to avoid an illegal dual agency situation? Inform the buyer that he represents the seller.Obtain dual agency consent from all parties.Obtain dual agency consent from the buyer.Obtain dual agency consent from the seller.

obtain dual agency consent from all parties

How are fines assessed for violations of the CAN-SPAM Act? DailyMonthlyPer complaintPer violation, which can be a single email

per violation, which can be a single email

What is the definition of a legally competent party? A minor who enters into a contract with an adultSomeone who has experience writing contractsSomeone who has the legal and mental capacity to enter into a contractSomeone who knows how the legal system works

performance means That the two parties have met the terms of the contract

A surveyor created a lot and block survey for a new residential development. The first thing she did when she surveyed the new neighborhood was to reference a metes and bounds land description. From there, she divided the land into numbered lots and blocks. This output is known as a _______. BenchmarkMonumentPlat mapRectangular survey

plat map

Sandra and Dwight are neighbors who share a common driveway, but the driveway is on Dwight's property. What kind of ownership rights does Dwight have of the driveway? AbsoluteNon-possessoryPossessoryTemporary

possessory

When representing the seller, what duty do you owe a buyer? Advise the buyer on negotiating a better price.Pre-qualify the buyer before presenting their offer to your seller.Present offers from the buyer to your seller.Recommend the buyer obtain a property inspection.

present offers from the buyer to your seller

The Millers moved to a small town and were interested in buying a house. At the first meeting with real estate sales professional Nora, she asked them where they went to church. They replied that they were atheists and didn't attend church. Nora then told them that she didn't know of any listings that met their needs, even though that wasn't true. Nora is discriminating based on _______. Familial statusNational originReligionSex

religion

What is a township? A 36-square-mile square formed in the use of the rectangular government survey systemA one-square-mile square formed in the use of the rectangular government survey systemA permanent reference point used in the measurement of elevationsThe point of beginning used in a metes and bounds survey

sellers would view an offer without that contingency as a stronger offer

Trina is a licensee at Midtown Homes. Which of these factors indicates that she's classified as an employee? She's eligible to participate in the firms 401k retirement plan.She's required to belong to the National Association of REALTORS®.She works from both her home office and an office the firm provides.The brokerage firm supervises her.

she's eligible to participate in the firms 401k retirement plan

Which offer would be the most appealing to a seller? A full-price offer waiving inspection, conventional financing with 20% down, closing in 45 days.An all-cash offer $15,000 below list price, closing in two weeks.An offer $10,000 over list price, contingent upon appraisal and inspection, conventional financing with 20% down, closing in 30 days.It depends on the seller's needs and motivations.

someone who has the legal and mental capacity to enter into a contract

Samuel and Yoshi have worked at the same firm for a few months and get along well. Samuel mentions he has a credit score in the low 800s. Yoshi, who's just starting out, persuades Samuel to sign for a loan to help Yoshi buy a property, since his credit isn't good enough. Yoshi promises to make the mortgage payments, but two months after the deal closes, Yoshi moves across the country. Samuel's now stuck with a $400,000 mortgage. What type of scheme is this? Equity skimmingInflated appraisalSilent secondStraw buyer

straw buyer Unfortunately, Samuel was a straw buyer. His credit was used to purchase a property and secure financing, so when Yoshi skipped town, Samuel was left with the responsibility of paying the mortgage.

Janice wanted to sell her townhome, and her neighbor was considering buying it. She wanted to put it on the market while she waited to find out if her neighbor was going to buy. In order to receive the best possible representation but avoid paying a commission if her neighbor buys the property, which type of listing agreement would best suit Janice's needs? Exclusive agencyExclusive right to sellNetOpen

suing for damages and breach of contract

Warren signed a contract with the Samsons for the sale of property he didn't own. What type of contract is this? EnforceableUnilateralVoidVoidable

suing for specific performance

Marla's excited about closing on a cute lakefront cottage. But when she reads the report from the home inspection, she learns that the chimney leaks and that there is water damage in several places. This wasn't on any of the seller's disclosures. Which of these is the best option for Marla? Complete the purchase and plan to spend a lot of money trying to make her cottage leakproof.Complete the purchase, then sue the seller for fraud.Find a lawyer and file a class action suit against the chimney mason.Terminate the agreement and ask for a refund of her earnest money.

terminate the agreement and ask for a refund for her earnest money

Prakesh and Jean have always wanted to renovate an old home. They found a Victorian that hasn't been lived in for years and are considering making an offer. Their agent warns them that the property as it stands now may not be insurable. Which of the following might make it uninsurable? The 100-year-old wiringThe crumbling drivewayThe lack of closetsThe slate roof

the 100 year old wiring

What's the relationship between TILA, RESPA, and TRID? The Dodd-Frank Act requires that lenders use the TILA-RESPA Integrated Disclosures (TRID).TILA and RESPA require lenders to use TRID.TILA, RESPA, and TRID mandate the lender disclosures required for federally related transactions.TRID mandates the type of disclosures for TILA- and RESPA-related transactions.

the Dodd frank act requires that lenders use the TILA RESPA integrated disclosures (TRID) TRID stands for TILA-RESPA Integrated Disclosures, which the Dodd-Frank Act implemented for all federally related mortgage transactions.

All of the homes on Elm Street are currently on septic systems. However, the county plans to extend the sewer lines to Elm Street within the next two years. What's the biggest reason why it's important for your buyers to know this? Public sewers have a better safety record than septic systems.Sewer installation means construction traffic.Some people prefer septic systems to having to tie into public sewers.The county will likely impose an installation fee on Elm Street residents to cover the costs.

the county will likely impose and installation fee on Elm street residents to cover the costs While construction traffic may be an annoyance, the real reason it's important for prospective buyers to know about the sewer extension is that it could be costly for residents. Localities may charge up to $10,000 for a home to tie into the sewer system—and in many cases, it's required, not optional

Which covenant requires the grantor to execute any necessary legal documents (within his power) necessary to fix title defects discovered after closing? The covenant of further assurancesThe covenant of seisinThe covenant of the right to conveyThe covenant of warranty

the covenant of further assurances

Which fiduciary duty may continue even after the transaction closes? The duty of accountingThe duty of disclosureThe duty of obedienceThe duty of reasonable skill and care

the duty of accounting The duty of accounting continues even after the transaction closes. For instance, any money the agent holds after a transaction closes must be accounted for until it's delivered to the appropriate party.

Two competing firms are found guilty of illegal market allocation. Which of the following scenarios must be true? The two firms are located in different parts of the state.The two firms are owned by the same umbrella company.The two firms have agreed not to compete in one another's markets.The two firms have agreed to set commission rates and/or co-op fees at a specific amount.

the two firms have agreed not to compete in one another markets

Marcy listed her property with Jennings Homes in March. The market was slow, and Marcy's property isn't in great condition—though she's sure she can get top dollar for it because of its location. Her agent encouraged her to either reduce the price or fix the property up, but she refused. Both Marcy and her agent are frustrated. What's the best option for both of them? Bring in another agent to help price the property.Let the listing expire.One party or the other should terminate the listing.They can mutually agree to terminate the listing.

they can mutually agree to terminate the listing

DeeAnna thought she purchased an investment property, but the seller refused to deliver the title to her. DeeAnna met all of her obligations per the written contract she and the seller signed. She decided to take the seller to court in an effort to force him to hand over the title. This is an example of ______. Accepting partial performanceRescinding the contract unilaterallySuing for damagesSuing for specific performance

time is of the essence

Which factor that influences value considers the property's function? DemandScarcityTransferabilityUtility

utility

The Richards family farm is located on a 10-acre parcel of land, which is very rare to come by in their area. However, the house is rundown and in need of many repairs. Most buyers in the area are looking for a move-in ready home, which means they would need to either look elsewhere or wait several months for the home to be renovated. Which factor is most negatively impacting the value of the Richards' property? DemandScarcityTransferabilityUtility

utility although large parcels in the area are scarce, buyers are unwilling to buy and wait to live in a property that needs significant repairs, which is affecting the value

Betty hired a contractor to replace her gutters. Within days, the gutters leaked and flooded her basement. She complained to the contractor, who replaced the gutters again. The next time it rained, the gutters leaked and flooded Betty's basement a second time. Frustrated, Betty decided to file a lawsuit against the contractor in an attempt to recover the money she lost. This is an example of ______. Accepting partial performanceRescinding the contract unilaterallySuing for damages and breach of contractSuing for specific performance

void a part cant promise to do something impossible in a contract. doing so makes the contract void

Which of these might bring a charge of illegal steering against a licensee? Benny screens the properties he shows his clients based on the clients' preferences.Johnny is working with a client who has a disability. At the client's request, Johnny refrains from showing the client listings that aren't ADA accessible.Norton encourages his clients to contact local agencies to learn more about a neighborhood's schools, crime rates, and religious institutions.When working with single female clients, Cassandra is careful to promote properties in neighborhoods she considers safe.

when working with single female clients, Cassandra is careful to promote properties in neighborhoods she considers safe