1. A lender whose mortgagor has defaulted may be offered a deed in lieu of foreclosure. If he accepts, which of the following will be true?
   1. Because it is voluntary, it will not be adverse item on the buyers credit
   2. The lender will take the title subject to any junior liens
   3. The lender will usually retain his rights under mortgage insurance or VA guarantee
   4. The loan will still be assumable
2. A licensee is emailing information regarding an open house for one of her listings. In addition to complying with state-specific requirements for advertising, which of the following must also be included in the email?
   1. Opt-out provision
   2. How the recipients name was obtained
   3. Complete property address
   4. Listing sale price
3. Which of the following is applicable to housing for persons with disabilities?
   1. Guide dogs may be prohibited in a 6-unit building with no-pets restrictions
   2. Owners are responsible for modifications required by tenants
   3. Protection under the ADA applies to physical limitations, not mental limitations
   4. Newly constructed residential structures of 4 units or more must have wheelchair access to ground-floor units