Not a state licensing agency — not a government website
Keentune is a private study app, not affiliated with, endorsed by, or acting for any state real estate commission or government agency, and it is not approved prelicensing education. It cannot issue a license, count toward required course hours, or schedule your exam; for those, use your state real estate commission’s website.
Discount points
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A $300,000 home, a $240,000 loan and 2 discount points: what do the points cost?
Real-estate financing and the math the national salesperson exam actually tests. The instruments (promissory note vs mortgage vs deed of trust, lien vs title theory), the clauses (acceleration, due-on-sale, prepayment, subordination), loan types (conventional with PMI, FHA-insured, VA-guaranteed, ARMs, balloons, construction and blanket loans), foreclosure and redemption, the primary vs secondary mortgage market, and the consumer-protection layer (TILA/Regulation Z advertising triggers, RESPA and the Loan Estimate/Closing Disclosure, the kickback ban). Then the computed math: commissions and splits, LTV and points, prorations, transfer taxes, seller’s net proceeds, cap-rate and GRM valuation, and area problems — every answer computed, every wrong option a classic slip. Original questions aligned to the public national exam outlines — never real exam items. Keentune is independent study practice, not affiliated with any state real-estate commission or exam vendor, and does not guarantee a pass. Educational only — how the instruments and math work, not financial or investment advice.
• Meets you at your level — never too easy, never too hard.
• Adapts every question to how you’re doing.
• Tracks your level over time. Skill practice, not a test.
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