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Pennsylvania Producers Examination for Title Insurance Series 16-10 Question and Answers

Pennsylvania Producers Examination for Title Insurance Series 16-10

Last Update Oct 8, 2026
Total Questions : 65

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Questions 1

To satisfy a mortgage of record, which of the following must be filed?

Options:

A.  

a certified copy of original mortgage

B.  

a mortgage satisfaction

C.  

a payoff statement

D.  

an original note

Discussion 0
Questions 2

When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be

Options:

A.  

subordinated to the lien of the subject mortgage.

B.  

waived to the lien of the subject mortgage.

C.  

restricted to the lien of the subject mortgage.

D.  

subrogated to the lien of the insured mortgage.

Discussion 0
Questions 3

Which document is recorded in the recorder of deeds?

Options:

A.  

mechanic's lien

B.  

civil judgment

C.  

realty transfer tax statement of value

D.  

notice of lis pendens

Discussion 0
Questions 4

Under the terms of a title insurance policy, when a disputed claim is decided by a neutral third party, the process is called

Options:

A.  

litigation.

B.  

subrogation.

C.  

indemnification.

D.  

arbitration.

Discussion 0
Questions 5

A chain of title is best described as

Options:

A.  

a series of conveyances of public record.

B.  

an opinion of title provided by an attorney.

C.  

an historical record of liens on the property.

D.  

a grantor/grantee index.

Discussion 0
Questions 6

A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a

Options:

A.  

post policy event.

B.  

condition.

C.  

standard exception.

D.  

requirement.

Discussion 0
Questions 7

What is the purpose of probate of an estate?

Options:

A.  

to avoid inheritance tax

B.  

to establish heirs

C.  

to transfer a deceased's debts

D.  

to foreclose a lien

Discussion 0
Questions 8

An ALTA survey of the land could disclose all of the following EXCEPT

Options:

A.  

a property line lawsuit.

B.  

a pond located on the land.

C.  

the improvements on the land.

D.  

a violation of the setback line.

Discussion 0
Questions 9

A waiver is defined as the

Options:

A.  

acceptance of terms of the policy.

B.  

intentional and voluntary giving up of a known right.

C.  

misrepresentation of a known right.

D.  

modification of a known right.

Discussion 0
Questions 10

The effective date on a title commitment is the date

Options:

A.  

the order was completed.

B.  

of the last recording on record.

C.  

the commitment is issued.

D.  

the public records were verified to.

Discussion 0
Questions 11

Which of the following is excluded from coverage in the standard owner's policy?

Options:

A.  

any law, ordinance, or governmental regulation without filed notice

B.  

any claim for loss or damage based on negligence arising from the status of lien with the insured mortgage

C.  

recorded documentation on the title to real property without acknowledgment

D.  

lack of a right of access to and from the land

Discussion 0
Questions 12

Which of the following is NOT the responsibility of the Notary Public when taking an acknowledgment on a Deed, Mortgage or Deed of Trust?

Options:

A.  

affix his or her official stamp

B.  

sign his or her name on the witness line

C.  

list the expiration date of his or her commission

D.  

obtain proper identification from all signers

Discussion 0
Questions 13

The term used in the Real Estate Settlement Procedure Act (RESPA), that describes a situation in which a person must use a particular provider for settlement services in order to have access to some distinct service or property, is known as

Options:

A.  

bundled services.

B.  

required use.

C.  

tied benefits.

D.  

anti-kickback.

Discussion 0
Questions 14

Which section of a title insurance policy lists the rights of the insurer?

Options:

A.  

exclusions from coverage

B.  

insuring agreement

C.  

conditions

D.  

declarations

Discussion 0
Questions 15

An insurer charges a higher premium for insurance because of someone's race, marital status, or age. This is an example of

Options:

A.  

rebating.

B.  

unfair discrimination.

C.  

illegal inducement.

D.  

unfair coercion.

Discussion 0
Questions 16

On what schedule of a title commitment would you find an easement that is proposed to be an exception from policy coverage?

Options:

A.  

A

B.  

B-I

C.  

B-II

D.  

C

Discussion 0
Questions 17

When a land owner uses his land as security for a loan, the encumbrance created is called

Options:

A.  

an involuntary lien.

B.  

a special security.

C.  

a promissory note.

D.  

a mortgage.

Discussion 0
Questions 18

The Real Estate Settlement Procedure Act (RESPA), Section 8 violation that refers to a person giving or accepting a fee or "thing of value" for the referral of business is known as a

Options:

A.  

kickback.

B.  

required use.

C.  

conversion.

D.  

bundled services.

Discussion 0
Questions 19

The commissioner may refuse to issue a license if the applicant

Options:

A.  

provided incorrect information on licensing application.

B.  

has allowed an insurance license to lapse.

C.  

is 20-years of age.

D.  

is not a resident of Pennsylvania.

Discussion 0