A Washington branch supervisor reviews a renewal calendar about Washington allows certain communications appraiser such opinion/list/sales before submission. What should the file reflect?
Correct Answer
C) Washington allows certain communications with an appraiser, such as opinion/list/sales price, but prohibits telling the appraiser the value needed or required for the loan to succeed.
Washington allows certain communications with an appraiser, such as opinion/list/sales price, but prohibits telling the appraiser the value needed or required for the loan to succeed.
Why This Is the Correct Answer
Washington allows certain communications with an appraiser, such as opinion/list/sales price, but prohibits telling the appraiser the value needed or required for the loan to succeed.
Why the Other Options Are Wrong
Option A: Assume another state's approval automatically satisfies the Washington requirement.
Assume another state's approval automatically satisfies the Washington requirement. is not correct because the governing rule requires the compliant answer shown in the explanation.
Option B: Apply the Washington rule only to company licenses and never to individual MLO activity.
Apply the Washington rule only to company licenses and never to individual MLO activity. is not correct because the governing rule requires the compliant answer shown in the explanation.
Option D: Handle advertising and consumer-protection controls with an informal note rather than the required license, disclosure, filing, or record.
Handle advertising and consumer-protection controls with an informal note rather than the required license, disclosure, filing, or record. is not correct because the governing rule requires the compliant answer shown in the explanation.
Memory Technique
WA -> wa-prohibited-practices-disclosures-and-compensation
Exam Tip
Washington prohibited-practice questions often test timing, borrower compensation, document blanks, appraiser pressure, or misleading advertising.
Common Mistakes to Avoid
- -Using a national baseline answer when Washington has a state-specific rule
- -Confusing DFI guidance, RCW requirements, and WAC implementation details
- -Treating temporary authority, remote work, or exemptions as blanket permission
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