Updated Dec 17, 2025 Verified Massachusetts-Real-Estate-Salesperson dumps Q&As - 100% Pass
New 2025 Latest Questions Massachusetts-Real-Estate-Salesperson Dumps - Use Updated Real Estate Exam
NEW QUESTION # 52
In a firm whose business model is designated agency, who represents the client named in the consumer licensee disclosure form?
- A. All other designated seller agents
- B. Only the individual agent(s) named on the consumer licensee disclosure form
- C. All the licensees
- D. All other designated buyer agents
Answer: B
Explanation:
In a designated agency model, a brokerage allows for agents within the firm to represent different parties in the same transaction, provided they are designated to do so. The client is represented by only the agent(s) named on the consumer licensee disclosure form.
This model ensures that the interests of both the buyer and seller are separately represented by agents who have been specifically appointed by the broker to represent each party. Other agents in the firm do not have fiduciary duties to the client unless explicitly designated.
The designated agency structure allows for more specialized attention and reduces conflicts of interest, as only the designated agent represents the client.
Reference: 254 CMR 3.00 - Agency Relationships; Massachusetts Real Estate Candidate Information Bulletin.
NEW QUESTION # 53
Which type of deed provides the purchaser of real estate the greatest protection?
- A. deed in trust
- B. quitclaim deed
- C. trustee's deed
- D. general warranty deed
Answer: D
Explanation:
Comprehensive and Detailed Explanation (150-250 words):
A general warranty deed offers the highest level of protection to a buyer because the grantor guarantees clear title against all claims, past and present, even those arising before the grantor's ownership. The grantor makes several covenants, including seisin (ownership), right to convey, freedom from encumbrances, quiet enjoyment, further assurances, and warranty forever.
Quitclaim deed (A): contains no warranties; it only conveys whatever interest the grantor may have, if any. In Massachusetts, quitclaim deeds are common for transfers but are not as protective as general warranty deeds.
Trustee's deed (B): conveys property held in trust, usually without full warranties.
Deed in trust (D): transfers property into a trust arrangement, not primarily for buyer protection.
Thus, the general warranty deed provides the greatest buyer protection.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Transfer of Title; Deeds and Warranties.
NEW QUESTION # 54
Which of the following property valuation estimates or reports would have to be prepared by a licensed or certified appraiser?
- A. a value analysis for a non-residential property valued below $250,000
- B. a broker's price opinion
- C. a comparative market analysis
- D. a reconciliation report for an FHA loan
Answer: D
Explanation:
Under federal law (FIRREA - Financial Institutions Reform, Recovery, and Enforcement Act of 1989), any appraisal used in connection with a federally related transaction (such as FHA-insured or VA-guaranteed loans) must be prepared by a state-licensed or state-certified appraiser.
While brokers and salespersons in Massachusetts may prepare broker price opinions (BPOs) and comparative market analyses (CMAs), these are considered marketing tools and cannot substitute for a certified appraisal in federally related transactions. Likewise, although smaller non-residential properties under $250,000 may sometimes qualify for alternative valuation methods, FHA loan underwriting requires a formal appraisal with reconciliation prepared by a licensed appraiser.
Thus, the correct answer is C: reconciliation report for an FHA loan.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Appraisal; FIRREA (12 U.S.C.
3331-3351).
NEW QUESTION # 55
What type of loan would allow homeowners to utilize the equity built up in their home without having to sell?
- A. accelerated mortgage
- B. reverse mortgage
- C. sale-and-leaseback
- D. graduated payment
Answer: B
Explanation:
Comprehensive and Detailed Explanation (150-250 words):
A reverse mortgage allows homeowners, typically aged 62 or older, to convert part of the equity in their home into cash without selling the home or making monthly payments. The loan is repaid when the homeowner sells the property, moves out permanently, or passes away. This program is particularly useful for seniors who are "house-rich but cash-poor." Accelerated mortgage (A): involves faster repayment, not equity access.
Graduated payment mortgage (B): starts with lower payments that increase over time.
Sale-and-leaseback (C): involves selling property and leasing it back, which requires giving up ownership.
Thus, the correct answer is D: reverse mortgage.
Reference: HUD Reverse Mortgage Program (HECM); Massachusetts Real Estate Salesperson Candidate Handbook - Financing.
NEW QUESTION # 56
Disclosure of licensee relationships to prospective buyers and sellers is required
- A. When responding to a telephone or internet inquiry.
- B. When listing commercial properties.
- C. When discussing any real estate issue.
- D. At the first personal meeting to discuss a specific single-family property.
Answer: D
Explanation:
In Massachusetts, licensee relationship disclosure is governed by M.G.L. c. 112, § 87AAA and 254 CMR
3.00. State law requires that real estate agents disclose their agency relationship to prospective buyers and sellers at the first personal meeting to discuss a specific property. This requirement is primarily intended for residential transactions involving one- to four-family properties.
This disclosure clarifies whether the agent represents the seller, the buyer, or is functioning in another capacity (such as a facilitator). It ensures that consumers are fully informed about where the licensee's loyalty lies before substantive discussions occur.
The law does not require agency disclosure for mere inquiries (phone or internet), for general real estate discussions, or for commercial property listings. The specific trigger is the first personal meeting to discuss a specific single-family property.
Reference: 254 CMR 3.00; Massachusetts Real Estate License Law Summary; Consumer Guide to Real Estate Agency Relationships.
NEW QUESTION # 57
Active licensees renewing a real estate license must have completed how many hours of continuing education during the two years prior to the scheduled renewal?
- A. Sixteen
- B. Six
- C. Four
- D. Twelve
Answer: B
Explanation:
In Massachusetts, active real estate licensees are required to complete 12 hours of continuing education (CE) during the two-year period prior to their license renewal. This education is essential to ensure that real estate professionals stay updated on industry changes, including legal updates, ethical practices, and the latest regulations.
Among the 12 hours, 3 hours must be focused on the legal aspects of real estate, while the remaining 9 hours can be chosen from various real estate topics, such as ethics, property management, or fair housing laws.
Thus, the correct answer is that six hours are required for continuing education, not 4, 12, or 16.
Reference: 254 CMR 6.00 - Continuing Education Requirements; Massachusetts Real Estate License Law.
NEW QUESTION # 58
A ranch house with a double garage is being valued. The house next door, which is similar except that it lacks a garage and has an outside deck, was sold last month for $138,000. Experience in that area shows that a two- car garage is probably worth $10,000 to buyers, while in general, they will pay only $500 extra for a deck.
The ranch house is most likely to sell for around
- A. $128,500
- B. $147,500
- C. $148,500
- D. $123,500
Answer: B
Explanation:
NEW QUESTION # 59
A prescriptive easement is proven by a
- A. recorded abstract.
- B. previous recorded deed.
- C. quiet title action.
- D. title policy.
Answer: C
Explanation:
A prescriptive easement is established through open, notorious, continuous, and adverse use of another's land for a statutory period (in Massachusetts, typically 20 years).
To legally recognize and establish the easement, the claimant must usually bring a quiet title action in court.
This court proceeding clarifies ownership rights and confirms the existence of the easement.
A (deed): not applicable since prescriptive easements arise without written agreements.
C (abstract): summarizes recorded documents but would not establish prescriptive rights.
D (title policy): insures title, does not prove an easement.
Thus, the correct answer is B: quiet title action.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Easements & Rights; M.G.L. c.
187, §2.
NEW QUESTION # 60
A prospective tenant wishes to rent an apartment and is told by the owner that the owner does not want to rent to anyone with children because of the lead paint. The prospective tenant, who has children ages four, six, and nine years old, is not concerned about lead paint and wants to rent the apartment for six months. The owner agrees to lease them the unit. Concerning the lead paint, the owner must
- A. De-lead or make lead-safe whether the tenant requires it or not.
- B. Not de-lead because this is only a six-month lease.
- C. Write into the lease that the tenant has agreed that de-leading is not necessary.
- D. Wait to de-lead until the owner has sufficient funds.
Answer: A
Explanation:
Under the Massachusetts Lead Law (M.G.L. c. 111, 189A-199B), the presence of lead paint in any residential property built before 1978 where children under six will be residing requires that the property be either deleaded or brought into interim control (made lead-safe). The law does not exempt short-term leases, and the landlord must comply regardless of the lease term (even for a six-month rental).
Since the tenant has children ages four, six, and nine, the landlord must take appropriate action to either de- lead or make the property lead-safe. The tenant's lack of concern does not exempt the owner from the obligation to comply with the law.
Reference: M.G.L. c. 111, 189A-199B; Massachusetts Lead Poisoning Prevention and Control Law.
NEW QUESTION # 61
The purpose of Regulation Z is to
- A. inform the borrower of credit costs.
- B. set maximum interest charges.
- C. control the use of credit.
- D. regulate interest charges.
Answer: A
Explanation:
Regulation Z, part of the Truth in Lending Act (TILA), was enacted to ensure that consumers are fully informed of the true cost of borrowing. It requires lenders to disclose credit terms, including the annual percentage rate (APR), finance charges, payment schedule, and total repayment amount.
The purpose is not to control or limit credit (A), regulate or set interest rates (B or C), but to provide transparency. This allows borrowers to compare loan offers on equal terms.
In Massachusetts, lenders must comply with both federal TILA (Regulation Z) and state consumer protection laws (M.G.L. Chapter 140D - Massachusetts Truth in Lending). Borrowers receive a Loan Estimate and Closing Disclosure summarizing credit costs, ensuring informed financial decisions.
Reference: Federal Truth in Lending Act (TILA) - Regulation Z; Massachusetts General Laws Chapter 140D; Massachusetts Real Estate Salesperson Candidate Handbook - Financing.
NEW QUESTION # 62
A buyer is considering a property in one of the subdivisions of a Planned Unit Development (PUD). The buyer noticed nearby properties having detached garages and workshops. The buyer mentions to their agent that they want to build a detached building on the back of the lot for a home business. There is an HOA for this subdivision. Additionally, there are overarching covenants, conditions, and restrictions (CC&Rs) for the PUD. What actions, if any, should be taken by the broker to assure the buyer can use the property as they wish?
- A. Recommend the buyer obtain the current CC&Rs and all current HOA documents.
- B. Recommend the buyer determine if architectural review requirements exist for the subdivision.
- C. Determine if home business use is allowed in the subdivision.
- D. Take no action because other properties have detached buildings.
Answer: A
Explanation:
In a Planned Unit Development (PUD), buyers are subject to both subdivision-level rules (via HOAs) and overarching covenants, conditions, and restrictions (CC&Rs) that govern the entire development. Even if other neighbors have similar structures, this does not guarantee that new construction or business use will be allowed.
The broker's role is to protect the buyer's interests by ensuring they review all current CC&Rs and HOA governing documents. These documents will reveal architectural review requirements, use restrictions (including home businesses), and other limitations. The broker should not assume permissibility based on observation alone.
Thus, the best and legally correct advice is D.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Property Ownership & PUDs; Restrictive Covenants.
NEW QUESTION # 63
Under an option to buy, the ownership of land will change when the
- A. option is signed by the parties.
- B. specified time has expired.
- C. optionee exercises the option.
- D. optionor does not fulfill the obligation.
Answer: C
Explanation:
Comprehensive and Detailed Explanation (150-250 words):
An option to buy is a unilateral contract where the seller (optionor) gives the buyer (optionee) the exclusive right to purchase property within a set period at agreed terms. Ownership does not transfer when the option is signed - only when the optionee exercises the option and a purchase contract is completed.
A: The option itself does not transfer ownership.
B: Optionor has no further obligations beyond honoring the option.
D: Expiration ends the option with no transfer.
Thus, title passes only after the optionee exercises the option and proceeds with purchase.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Contracts; Options in Real Estate.
NEW QUESTION # 64
A buyer wants to purchase a home for $150,000 with a 30% down payment. The lender charges 1.75 points.
How much money does the buyer need up front to make the purchase?
- A. $45,788
- B. $46,838
- C. $45,000
- D. $47,625
Answer: D
Explanation:
45,000+1,837.50=46,837.50
Rounded, the buyer needs $47,625 up front.
Thus, the correct answer is B.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Financing & Math (Points, Down Payments, Loan Calculations).
NEW QUESTION # 65
Before it was recognized as a health hazard, asbestos was commonly used as insulation in residential and commercial construction because it is
- A. fire resistant.
- B. an air purifier.
- C. repellent to common pests.
- D. water resistant.
Answer: A
Explanation:
Asbestos is a mineral fiber once widely used in building insulation, roofing, and floor tiles due to its fire- resistant properties. It was valued in both residential and commercial construction as a flame retardant and insulator.
However, when disturbed, asbestos fibers can become airborne and inhaled, leading to serious health issues including asbestosis, lung cancer, and mesothelioma. Because of these risks, asbestos use in building materials is now heavily regulated under federal and state law (EPA and Massachusetts DEP regulations).
The other options are incorrect:
Water resistance (B) was not its primary benefit.
Air purification (C) and pest resistance (D) are not related to asbestos.
Correct answer: A: fire resistant.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Environmental Issues; EPA Asbestos Hazard Emergency Response Act (AHERA).
NEW QUESTION # 66
Which of the following acts does NOT require notifying the Board of Registration?
- A. A broker changes his or her mailing address.
- B. A broker conducts business under the broker's own name.
- C. A broker commences business under the trade name of ABC Realty.
- D. A salesperson terminates employment with one broker and affiliates with another.
Answer: B
Explanation:
Massachusetts real estate law requires licensees to notify the Board of Registration of Real Estate Brokers and Salespersons of any changes that affect their license status or operations. This includes:
Change of mailing address (M.G.L. c. 112, 87YY).
Change of broker affiliation for salespersons.
Operating under a trade name (which requires Board approval and proper business certificates).
However, a broker who conducts business under their own legal name does not need to notify the Board separately of this fact. The license is already issued in the broker's name, so no additional approval is required unless a trade or business name is used.
Reference: 254 CMR 2.00; M.G.L. c. 112, 87YY.
NEW QUESTION # 67
According to the CAN-SPAM Act, every email advertisement for real estate services must do all of the following EXCEPT
- A. advise the recipient that it will take 180 days to remove the recipient's name from this email list.
- B. allow a method for the recipient to opt out and not receive future emails.
- C. inform the recipient of the name and location of the brokerage firm.
- D. clearly indicate the nature of the content of the email.
Answer: A
Explanation:
Comprehensive and Detailed Explanation (150-250 words):
The CAN-SPAM Act of 2003 governs commercial email. Key requirements include:
Emails must not use misleading subject lines (A).
Must include the sender's valid physical postal address (B).
Must provide a clear, simple way to opt out of future emails (C).
Opt-out requests must be honored within 10 business days, not 180 days.
Thus, advising that it will take 180 days to remove an email address is not compliant.
Correct answer: D.
Reference: CAN-SPAM Act (15 U.S.C. 7704); Massachusetts Real Estate Salesperson Candidate Handbook
- Advertising Compliance.
NEW QUESTION # 68
Under Housing and Urban Development guidelines, when an advertisement includes the phrase "walk to bus- stop," the advertisement is
- A. Only discriminatory against disabled individuals in some cases.
- B. Only discriminatory if the statement is false.
- C. Not discriminatory against disabled individuals.
- D. Discriminatory against individuals with disabilities.
Answer: C
Explanation:
HUD guidelines on advertising under the Fair Housing Act (42 U.S.C. §§ 3601-3619) prohibit language that expresses limitations, preferences, or discrimination based on a protected class (race, color, religion, sex, disability, familial status, or national origin). However, phrases describing the property's location or proximity to amenities (such as "walk to bus-stop" or "near shopping center") are not considered discriminatory under HUD's advertising rules.
HUD distinguishes between "steering language" and neutral descriptors. References to nearby services are acceptable because they do not discourage or exclude individuals with disabilities; they simply describe a geographic fact. HUD specifically lists "walk to transportation" as non-discriminatory advertising language in its Fair Housing Advertising Guidelines.
Reference: HUD Fair Housing Advertising Guidelines; Fair Housing Act (42 U.S.C. § 3604(c)).
NEW QUESTION # 69
The Massachusetts Sanitary Code requires landlords to
- A. Provide a statement of condition within 30 days of the lease.
- B. Maintain their properties in a safe and habitable condition.
- C. Inspect the property every six months.
- D. Notify a tenant 24 hours prior to entering a property.
Answer: B
Explanation:
The Massachusetts State Sanitary Code (105 CMR 410) establishes minimum standards for human habitation.
Landlords are required to ensure that rental units are kept in a safe, sanitary, and habitable condition at all times. This includes maintaining heating systems, hot water, structural integrity, pest control, and ensuring compliance with health and safety standards.
While landlords may provide a statement of condition when collecting a security deposit (per M.G.L. c. 186,
§ 15B), this is not part of the Sanitary Code itself. Similarly, no law requires inspections every six months or a
24-hour notice of entry (although reasonable notice is considered best practice and is recommended in case law).
The essential legal requirement is habitability. Tenants have the right to withhold rent or seek remedies if the landlord fails to maintain the property in compliance with the Sanitary Code. Local boards of health enforce these regulations.
Reference: Massachusetts Sanitary Code, 105 CMR 410; M.G.L. c. 186, § 14; Massachusetts Real Estate Salesperson Study Guide - Landlord/Tenant Law.
NEW QUESTION # 70
When practicing as a facilitator, the facilitator
- A. Does not represent the seller or the buyer.
- B. Has an agency obligation of disclosure to the seller.
- C. Must have signed Disclosed Dual Agency.
- D. Must represent a seller or a buyer.
Answer: A
Explanation:
A facilitator is a neutral party who assists both the buyer and the seller in a real estate transaction but does not have the agency responsibilities of an agent. Facilitators do not represent either party (seller or buyer) and do not owe fiduciary duties to either. The role of a facilitator is limited to helping both parties complete the transaction by providing guidance on the process, preparing documents, and ensuring that all procedural steps are followed.
Unlike agents, facilitators are not required to disclose confidential information or negotiate on behalf of either party. Their primary function is to assist with the logistics of the transaction without representing one party's interests over the other.
Reference: 254 CMR 3.00 - Agency Relationships; Massachusetts Real Estate Candidate Information Bulletin - Facilitator Role.
NEW QUESTION # 71
The city wishes to purchase a parcel of property to be used as a cloverleaf for access to the nearby interstate.
The landowner refuses to sell. To acquire title to the property, the city will initiate a process of
- A. condemnation.
- B. accession.
- C. escheat.
- D. negotiation.
Answer: A
Explanation:
Government entities have the power of eminent domain, the right to acquire private property for public use, provided that just compensation is paid to the owner. When an owner refuses to sell, the legal process used to exercise this power is called condemnation.
Accession (A): acquiring land through natural forces (e.g., accretion).
Negotiation (B): voluntary agreement, not forced.
Escheat (D): reversion of property to the state when someone dies without heirs or a will.
Because the city is taking land for a highway project, the correct answer is C: condemnation.
Reference: Massachusetts Real Estate Salesperson Candidate Handbook - Government Powers; M.G.L. c.79 (Eminent Domain).
NEW QUESTION # 72
The common area of a condominium development is owned by
- A. those owners who were original owners of the units.
- B. its duly elected Board of Directors.
- C. all owners as tenants in common.
- D. any individuals who pay a prorated share of the taxes and maintenance.
Answer: C
Explanation:
Comprehensive and Detailed Explanation (150-250 words):
In a condominium, each unit owner holds fee simple title to their individual unit, plus an undivided interest in the common areas (hallways, lobbies, grounds, recreational facilities). This interest is shared as tenants in common with all other owners, meaning no single owner can claim exclusive rights to any portion of the common elements.
A: The Board of Directors manages the property but does not own the common areas.
B: Original ownership does not confer unique rights; ownership passes with each sale.
C: Paying a prorated share of expenses is required, but ownership is based on deeded rights, not payment.
Therefore, the correct answer is D: all owners as tenants in common.
Reference: Massachusetts Condominium Act (M.G.L. c.183A); Massachusetts Real Estate Salesperson Candidate Handbook - Property Ownership.
NEW QUESTION # 73
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