Hawaii License Law
In Hawaii, before a licensee can advertise real estate services, they must ensure the advertisement includes:
AThe licensee's photograph
BThe name of the principal broker or real estate brokerage✓ Correct
CThe licensee's NMLS number
DThe licensee's years of experience
Explanation
Hawaii law requires all real estate advertising by licensees to include the name of the principal broker or real estate brokerage. A salesperson may not advertise independently under their own name alone.
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Key Terms to Know
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes periodically based on a financial index, usually after an initial fixed-rate period.
AmortizationThe gradual repayment of a loan through scheduled periodic payments that cover both principal and interest.
Loan-to-Value Ratio (LTV)The ratio of a mortgage loan amount to the appraised value or purchase price of a property, expressed as a percentage.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
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