1. As a buyer are you the
         A. Mortgagee
         B. Mortgagor
2. Where does the primary financial support for Fire, Police and rescue come from?
         A. Commercial tax base
         B. Residential tax base
         C. Special assessments
         D. Developer impact fees
3. What is the best thing to get the lowest price in a negotiation?
         A. Be pre-approved with mortgage application complete
         B. Tell the seller a mortgage is no problem
         C. Know what the competition is selling for
         D. Explain to the seller the reasoning for you offer
4. How do I avoid PMI, Private Mortgage Insurance?
         A. Pay all cash with no mortgage
         B. Put 20% or more down
         C. Buy extended life insurance
         D. Ask lender for a bye on PMI
5. Who is usually the most informed person in a real estate transaction?
         A. Buyer
         B. Seller
         C. Real estate broker
         D. Appraiser
6. If you buy down your interest rate by paying 1 point how much does that decrease you interest rate.
         A. 1 percent
         B. ¼ of a percent
         C. 1/8 of a percent
         D. ½ of a percent
7. 1 point is equal to?
         A. 1 percent of the loan
         B. $1,000 dollars
         C. ½ percent of the loan
         D. nothing it is the cost of a loan
8. What are the tax benefits of owning a home?
         A. Real estate taxes and interest on the loan add to your basis
         B. Real estate taxes and interest on the loan are deductible from your gross income
         C. Principal and interest on the loan add to your basis
         D. Principal and interest on the loan are deductible from your gross income

*Rules:
Just by playing you win. To be eligible for a prize you must close a transaction with us as your agent. Prize will be determined by Casey and awarded on an annual basis. Results will be posted by e-mail and only those who reply with current accurate e-mail address are eligible to play.