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AEC 320 Final Exam December 16, 2009, Answer four and only four of the six questions Form A NAME 1. Short answer question (25 points 5 point each) a. What is buyer remorse b. As a loan officer what

Short answer question (20 points) a. My favorite part of my job c. What did Frank Patton say about making a first impression and coffee drinking coffee when opening a call? d. Frank did not say much about the importance of first impressions, but he did say that if you didn't make a first impression on the customer who was doing business with you then you weren't going to be working for the customer for very long. He said, “you will have a lot of people coming in and out of the bank, and you will go out of business.” g. I love customer service and I love coffee and I love the outdoors. 3. Short answer question (15 points) a. My advice to any first-time buyer in this area is not to use the FHA. b. My advice to any first-time buyer who does not plan to be living on the land for the next five years is to be VERY careful. c. My advice to any first-time buyer who does not plan to be living on the land for the next five years is to do a lot of research and to research the financial aid options available to them. The best way to think about it is to think about this as a business: “How much money do I need to make to pay a loan that I might not have to pay for a very long time? Is this financial hardship the only reason why the FHA would be a good idea?” d. I hope all the other people who are being so mean and nasty to Frank Patton got a chance to read this. He is very busy and can't be here at all times but if you have anything to say to him, I hope you found this useful since he is a really nice guy. You can reach him at or through his office number, He is not answering the call at this time. Please allow at least two hours between when the call was placed and his response. Frank Patton, Loan Officer and Entrepreneur. AEC 320, Answer Four, “What is the Difference Between the First Three Risks of Mortgage Lending and Why They Are Different?” June 11, 2009, Answer three of four questions Form A NAME 1. Short answer question (15 points) a. First, I was in Texas for the weekend. I have not met Frank in person. b. Second, the first three risks of mortgage lending are different. c.

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