Free Pennsylvania Real Estate Practice Exam

Q1.Under RESPA, how many business days before closing must a lender provide a borrower with the Closing Disclosure (CD)?

• A.3 business days
• B.5 business days
• C.7 business days
• D.1 business day

Q2.Under the Pennsylvania Human Relations Act (PHRA), which of the following classes is protected against housing discrimination in Pennsylvania but is NOT explicitly listed as a protected class under the federal Fair Housing Act?

• A.Ancestry
• B.National origin
• C.Sex
• D.Familial status

Q3.A buyer insists their agent use AI to analyze neighborhood crime data in the search for a home. The agent should:

• A.Provide the AI output without review because it is objective data
• B.Decline entirely — using AI in any client-facing capacity violates ADRE rules
• C.Use only crime data from ADRE-approved sources
• D.Review the AI output for fair housing implications before sharing, as steering by algorithm remains illegal

Q4.Under Pennsylvania law, must a seller's agent disclose to a prospective buyer that the property was the site of a homicide that occurred several years ago?

• A.Yes, always, because a homicide is a material defect under the Seller Disclosure Law
• B.No, because Pennsylvania's Seller Disclosure Law expressly provides that a licensee is not required to disclose that a property was the site of a homicide, suicide, or felony
• C.Yes, but only if the homicide occurred within the past three years
• D.No, unless the buyer is a member of the immediate family of the victim

Q5.A tenant disputes an unusual eviction notice and asks the property manager to guarantee the court outcome. What is the best response?

• A.Guarantee possession if the form is signed
• B.Change the locks while the notice is pending
• C.Preserve the file, follow authorized procedure, and escalate fact-sensitive legal questions to qualified counsel
• D.Advise the tenant that ADRE decides ARLTA disputes

Q6.The Pennsylvania Human Relations Act (PHRA), 43 P.S. § 951 et seq., provides broader protections than the federal Fair Housing Act. Which of the following protected classes is covered under the PHRA but is NOT explicitly covered under the federal Fair Housing Act?

• A.Race
• B.National origin
• C.Ancestry
• D.Color

Q7.Under the Fair Housing Act, which of the following properties is generally exempt from the prohibition against discrimination based on familial status?

• A.A 10-unit apartment complex owned by a corporation
• B.A single-family home listed with a real estate broker
• C.A senior housing community that qualifies under the Housing for Older Persons Act (HOPA) where all residents are 62 or older
• D.A duplex where the owner does not reside on the premises

Q8.Under RELRA and 49 Pa. Code Chapter 35, a Pennsylvania employing broker is responsible for which of the following with respect to salespersons licensed under the broker?

• A.The broker is responsible only for transactions the broker personally supervises, not for independent actions of salespersons
• B.The broker must actively supervise all licensed salespersons and is responsible for their real estate activities conducted under the broker's license
• C.The broker's supervisory responsibility ends once a salesperson passes the state licensing examination
• D.The broker is responsible for salespersons' conduct only during their first year of licensure

Q9.A broker learns that an unlicensed employee has been negotiating leases at several unrelated properties. What is the best immediate control response?

• A.Expand the employee's title
• B.Stop the unauthorized activity, preserve affected files, assess transactions, and correct the assignment
• C.Wait until the next annual review
• D.Ask the employee to sign the leases retroactively

Q10.A seller accepts a buyer's written offer without any changes. At what point is a binding contract formed?

• A.When the buyer pays the earnest money deposit
• B.When the seller communicates acceptance to the buyer
• C.When a title company opens escrow
• D.When the contract is recorded with the county

Q11.Marcus lists a property for a seller who is later determined to have been legally incompetent at the time of signing the listing agreement. What is the legal status of that contract?

• A.Void — the contract never had legal effect
• B.Fully enforceable — the other party relied on the contract in good faith
• C.Voidable — the incompetent party or their guardian can rescind it
• D.Suspended — it remains valid until a court rules otherwise

Q12.A licensee refuses to show a property to a buyer because the seller said "I don't want my home shown to families with young children." Which of the FHA's "six things you cannot do" has the licensee violated?

• A.Steering only
• B.Blockbusting
• C.Nothing — the licensee was following the seller's lawful instruction
• D.42 U.S.C. § 3604(a) — refusal to sell or rent based on familial status, AND § 3604(d) — making housing unavailable

Q13.Under RESPA (Real Estate Settlement Procedures Act), which practice is specifically prohibited regarding escrow accounts?

• A.Requiring borrowers to deposit two months of property taxes at closing
• B.Conducting an annual escrow analysis to adjust monthly payments
• C.Maintaining a cushion of more than two months of escrow payments
• D.Requiring flood insurance premiums to be escrowed

Q14.In Pennsylvania, a broker supervises two salespersons in the same firm: one represents the seller and the other represents the buyer in the same transaction. Under RELRA, this arrangement is best described as:

• A.Dual agency, requiring written consent only from the seller
• B.Designated agency, requiring informed written consent from both the buyer and the seller
• C.A transaction licensee relationship for both salespersons automatically by operation of law
• D.An undisclosed dual agency, which is permissible when both agents are supervised by the same broker

Q15.Which of the following best describes the duty a Pennsylvania buyer's agent owes to the seller in a real estate transaction?

• A.Full fiduciary duties, including loyalty and confidentiality
• B.Honest and good-faith dealing, without disclosing confidential information about the buyer
• C.No duties whatsoever, since the agent represents only the buyer
• D.The same level of care and duty owed to the buyer client