Skip to content

National broker practice for Illinois

National real estate practice: know the rule before chasing the score

A good practice result should tell you what to study next. Try two questions from each of the eleven national areas here, or choose a full 100-question web form when you want to work on timing and sustained recall. Then review the answers you guessed as carefully as the ones you missed.

Last reviewed:

The short answer

The PSI booklet dated June 24, 2026 lists 100 scored national broker questions, a 70% raw passing standard and a 150-minute national allowance. This page has 22 original teaching questions, two per national area. It is not a weighted full exam. The separate free simulator offers Forms A, B and C with 100 questions each in the published topic counts. Use practice results to choose what to review, without treating them as official scores or pass predictions.

The national and Illinois portions are scored separately. The same booklet lists 40 scored Illinois questions, a 75% passing standard and 90 minutes. PSI says five to ten unscored experimental questions may be administered and use examination time; the booklet does not promise that every visible item is scored. PSI’s program webpage separately states a 3.5-hour exam duration, which differs from the booklet’s portion allowances. Check your actual appointment notice and the linked time-limit guide. The web simulator uses the booklet’s 150-minute national setting; it does not resolve that published discrepancy.

Choose your practice format

Short learning sample

Two questions from every national area

Try 22 original questions with explanations below. This equal-topic sample teaches distinctions; it is not a weighted full exam.

Try the 22-question sample

Three free full-length forms

Choose National Form A, B or C

Each has 100 original questions using the published topic counts, a 150-minute practice clock, descriptive results, explanations and printable review. No account or app is required. The forms are not calibrated to PSI difficulty.

Open the free national forms

Choose a practice format, then use the result carefully

  1. Use the short questions to learn a distinction. They sample all eleven areas, but they do not cover every subtopic, reproduce the blueprint’s proportions or measure readiness. Answer before opening the explanation, then explain why the closest wrong choice fails.
  2. Use a complete national form for a longer session. The separate simulator offers Forms A, B and C, each with 100 original questions in the published topic counts and a 150-minute practice clock. It is free in the browser without an account or app download. Matching counts do not establish equal difficulty or PSI calibration.
  3. Keep the two official portions separate. A high national score cannot make up for an Illinois result below that portion’s standard. The national questions also appear in the corresponding combined 140-question forms, so moving from one format to the other does not necessarily give you unseen questions.
  4. Plan review time inside the practice limit. For a 100-item practice form, 150 minutes divided by 100 is ninety seconds as a mathematical average. It is not an entitlement to ninety seconds for each visible official item because any experimental questions also use the clock. Move on from a time-consuming item and return if time remains.
  5. Record counts before interpreting percentages. The total, each topic’s correct count and denominator, incorrect answers and blanks describe this attempt. Two out of three Property Management questions is a small sample, while Contracts contributes nineteen. Neither topic has a separate official pass mark in the booklet.
  6. Write uncertainty down yourself. Flags let you mark questions, but the tool does not collect a confidence rating or prove understanding. Review correct guesses, confident mistakes and omitted items. The useful next step is a specific rule or calculation to repair, not an automatic ready or not-ready label.
  7. Check the source’s job and jurisdiction. The PSI outline identifies tested areas. A statute, regulation, court decision or agency explanation supports a particular rule. Illinois examples are labeled when they illustrate a national concept; another state’s teaching reference does not set Illinois procedure.
  8. Retest with different facts after repair. Restarting a form repeats its questions, and changing forms does not prove an equivalent level of difficulty. Use attempts to find recurring errors and practise pacing. No fixed site percentage, two-score rule or repeated memorized result certifies that it is time to book the exam.
Published national broker topic counts, PSI booklet dated June 24, 2026
AreaScored questionsShare
Property Ownership1010%
Land Use Controls55%
Valuation88%
Financing1010%
Contracts1919%
Agency1313%
Property Disclosures77%
Property Management33%
Transfer of Title66%
Practice of Real Estate1212%
Real Estate Calculations77%

The distinctions that matter

National real estate exam practice for Illinois: key distinctions
DistinctionHow it worksWhat to notice
National vs. Illinois portionThe national portion tests broad real estate knowledge under an 11-area outline. The Illinois portion tests four state-specific areas.General doctrine versus Illinois law.
Weight vs. difficultyWeight estimates how many items an area contributes. Difficulty describes how demanding those items feel to a candidate.Frequency versus challenge.
Area label vs. underlying taskAn area organizes the blueprint. The actual task may combine doctrine, reading, and calculation across related facts.Classification bucket versus reasoning required.
Focused set vs. weighted setA focused set works one distinction. A full form using the outline’s counts samples each area in those proportions. That distribution alone does not calibrate difficulty or validate a readiness score.Coverage is different from validation.
Direct question vs. scenarioA direct item asks the rule plainly. A scenario hides it inside facts, actors, sequence, and plausible alternatives.Recall versus application.
Timed score vs. untimed knowledgeTimed work shows what happened under that practice limit. Untimed work can help you investigate a missed concept, but neither alone establishes your complete knowledge or an official outcome.Keep the conditions of the attempt visible.
Correct answer vs. calibrated confidenceA correct selection can still be a guess. Explain the decisive fact and why the other choices fail, then try a different example. The tool does not itself measure confidence.A point and an explanation are different evidence.
Official passing standard vs. practice scoreThe booklet’s 70% raw standard belongs to the official national broker examination. This short sample has no official passing score, and an 80%, 85% or 90% site target would not establish readiness without validation.Keep an official standard separate from a study observation.
Retake vs. fresh simulationStarting again repeats a fixed form. A different form offers different prompts, but the corresponding combined exam reuses its national bank. New wording does not itself establish equivalent difficulty.Ask whether you have seen the questions before.
Primary source vs. prep explanationThe outline names topics; the applicable law supplies a legal rule. Agency guidance and teaching references have their own scope. Check coverage, jurisdiction, dates and exceptions instead of treating every linked page as controlling law.Read what the source actually supports.

Work through the facts

Audit the 100-question mix

A 100-question practice set contains thirty Contracts questions, twenty Agency questions and none from Property Management or Land Use Controls. Does it use the published national allocation?

  1. Contracts should contribute 19 and Agency 13 in a 100-question blueprint-equivalent set.
  2. Land Use contributes 5 and Property Management 3, so omitting them leaves eight intended points unsampled.
  3. The set overweights two areas and can distort the total in either direction.

Answer: No. It overweights two areas and omits eight questions from two published areas. Rebalancing improves coverage of the listed counts; it does not establish equivalent difficulty or a pass prediction.

Calculate a weighted-area total

How many current national questions come from Contracts, Agency, and Practice of Real Estate together?

  1. Contracts contributes 19.
  2. Agency contributes 13 and Practice of Real Estate contributes 12.
  3. 19 + 13 + 12 = 44.

Answer: The three areas account for 44 of 100 scored national questions.

A score includes eighteen correct guesses

A candidate answers 76 of 100 original practice questions correctly within the practice clock. Eighteen correct selections were guesses. What should the candidate review?

  1. 76/100 is a description of this practice attempt, not an official PSI result.
  2. The eighteen correct guesses still identify concepts the candidate could not explain.
  3. Misses, blanks and uncertain correct answers can guide a focused review, followed by different questions.

Answer: Review the uncertain correct answers as well as the misses. The score alone does not establish readiness or support a fixed pass probability.

Prioritize by weight and weakness

A longer diagnostic sample shows recurring Contracts errors, strong Property Management answers and 75% overall. Which area is a reasonable first review choice?

  1. Contracts is the largest published area, with nineteen questions per 100.
  2. The recurring error pattern gives an additional reason to review it.
  3. The total and small topic samples do not establish mastery; keep reviewing the other ten areas too.

Answer: Begin with the repeated Contracts distinctions and maintain the other areas. This is an editorial study choice, not a validated allocation of study hours or an exam-booking decision.

Separate pace from knowledge

A candidate leaves 12 questions unanswered under 150 minutes, then answers 10 correctly without notes after time. What is the leading issue?

  1. The ten later correct answers show what the candidate answered without that time limit.
  2. That observation suggests a pacing issue worth investigating, but repeated exposure can also help the second attempt.
  3. Look for time-consuming steps and try different timed questions before concluding that timing is the only problem.

Answer: Investigate pacing and question selection alongside the missed concepts. The national outline has eleven areas, not twelve, and one second attempt does not diagnose all of them.

Classify an embedded math task

A financing scenario gives loan amount and value and asks for LTV. Should a candidate ignore it when reviewing national math?

  1. The context is financing, but the task uses loan divided by value.
  2. The PSI outline expressly names LTV under Real Estate Math as well.
  3. Review both the financing definition and the calculation setup rather than forcing one label.

Answer: No. Check both the financing concept and the mathematical setup. Use the stated loan amount and value base; a classroom ratio is not automatic loan approval or a lender-specific delivery calculation.

Two correct answers out of three

A full practice form reports 2/3 for Property Management and 12/19 for Contracts. No difficulty calibration or independent readiness validation is supplied.

  1. 2/3 is about 66.7%; 12/19 is about 63.2%.
  2. Each is a small sample, particularly the three-item topic.
  3. The counts identify questions to review, not separate official topic pass or fail results.

Answer: Review the actual wrong and uncertain answers and try different examples. Do not label the whole topic mastered or failed from these counts alone.

A new format can contain familiar questions

A candidate finishes National Form A, then opens the corresponding combined Form A. Is every national question necessarily new?

  1. The combined form reuses the corresponding national bank.
  2. The format adds Illinois questions; it does not turn the national bank into unseen prompts.
  3. A higher repeat score can include remembered wording.

Answer: No. Use a different set you have not seen when you want another sample, and keep the bank overlap in your notes. None of the forms has been established as equivalent in difficulty.

Leave review time inside the practice clock

For a 100-item practice form with a 150-minute setting, a learner chooses a twenty-minute review reserve. This is an editorial planning example, not an official required pace or a model including an assumed number of experimental items.

  1. 150 − 20 = 130 minutes remain for the first pass.
  2. 130 × 60 ÷ 100 = 78 seconds per item as a first-pass average.
  3. Some questions will be faster and others slower; unanswered or flagged items still need attention within the same total.

Answer: The chosen reserve does not add time. Use this exercise to plan flexible pacing; it does not override your appointment duration, establish a per-item entitlement or predict a result.

Separate a point cost from a rate reduction

A question supplies a $300,000 loan and a 1.5-point charge. No interest-rate reduction, loan term or monthly saving is given.

  1. One point is one percent of the loan amount.
  2. 1.5% × $300,000 = $4,500.
  3. A dollar charge alone does not supply a fixed interest-rate reduction or a break-even period.

Answer: The stated charge is $4,500. You cannot calculate a monthly saving or break-even period without the additional loan facts. This is an arithmetic exercise, not a recommendation to buy points.

Mistakes to avoid

  • Treating a short sample as a full national exam The short questions introduce distinctions; the separate simulator provides 100-question forms.
  • Turning 80%, 85% or 90% into a readiness certificate Those site percentages have no demonstrated predictive validity here. Keep counts, errors and uncertainty visible.
  • Giving every visible official question ninety seconds Experimental items can use the same exam time. The quotient 150 ÷ 100 describes a mathematical average for 100 items, not an official per-item entitlement.
  • Ignoring the Illinois portion because national practice went well The portions have separate official results and standards.
  • Calling a restart or combined form fresh material A restart repeats the form; the corresponding combined form reuses its national bank.
  • Treating one topic percentage as mastery Read its denominator and the actual questions, then resample the distinction.
  • Diagnosing a structural problem from a visible crack Communicate the relevant known fact within the actual agency duties and recommend qualified investigation.
  • Assuming identical fees prove price fixing An agreement or coordination is the key issue. Independent responses to market conditions can produce similar prices.
  • Calling a neutral policy automatically lawful Coverage, discrimination rules, reasonable accommodation and other applicable law still matter.
  • Confusing the note, mortgage and deed Separate the debt promise, the security and the conveyance before selecting the answer.

22 explained questions, two from each national area

These are original teaching questions, not recalled or predicted PSI questions. Answer first, then explain why the other choices fail.

1. Which national area covers a recorded utility right to cross a parcel?

  1. Valuation
  2. Contracts
  3. Property Management
  4. Property Ownership
Show answer and explanation

Answer: D. Property Ownership

Property Ownership includes easements, rights of way, licenses, encroachments, liens, and their effects.

2. A city restricts building height through zoning. What kind of control is this?

  1. An easement in gross
  2. A public land-use control
  3. A title-insurance exception
  4. A private deed restriction
Show answer and explanation

Answer: B. A public land-use control

Zoning is an exercise of government police power. Deed restrictions and association covenants are private controls.

3. Which valuation approach is usually central for a stabilized apartment property purchased for its income stream?

  1. Income approach
  2. Tax-assessment approach
  3. Deed-recording approach
  4. Loan-to-value approach
Show answer and explanation

Answer: A. Income approach

The income approach relates value to the income stream when market participants buy the property for investment return.

4. Which document contains the borrower's promise to repay a real estate loan?

  1. Title policy
  2. Deed
  3. Promissory note
  4. Mortgage or security instrument
Show answer and explanation

Answer: C. Promissory note

The note evidences the debt. The mortgage or deed of trust secures that obligation with real property.

5. A seller returns an ordinary unaccepted purchase offer with the price changed as a condition of agreement. Assume no existing option, special acceptance procedure or already-formed contract. What has the seller made?

  1. An unqualified acceptance
  2. A recorded deed
  3. A counteroffer
  4. A unilateral closing
Show answer and explanation

Answer: C. A counteroffer

This is a counteroffer proposing a different bargain, not an unqualified acceptance of the original offer. The supplied facts avoid confusing an unaccepted offer with the amendment of an existing contract. Strict acceptance principles do not create a safe harbor for changes merely called small.

6. A licensee receives compensation from a seller. Does that fact alone prove the licensee represents the seller?

  1. Yes, payment always creates agency
  2. No, because compensation ends every agency
  3. Yes, unless the buyer objects
  4. No, the relationship and authority control
Show answer and explanation

Answer: D. No, the relationship and authority control

Compensation alone does not establish whom the licensee represents. Illinois Section 15-40 expressly states that payment or its promise is not determinative of agency. The applicable relationship, authority, agreement and governing law still matter; national vocabulary does not authorize an Illinois transaction-broker role.

7. An Illinois licensee representing the buyer actually knows that a large crack in the subject property’s foundation is a material fact, not confidential information. What is the soundest response within the supplied role?

  1. Hide the crack if the seller requests it
  2. Guarantee the foundation is safe
  3. Communicate the known red flag as required and recommend qualified investigation
  4. Diagnose the engineering cause
Show answer and explanation

Answer: C. Communicate the known red flag as required and recommend qualified investigation

Section 15-15 requires disclosure of actually known nonconfidential material transaction facts to the client and reasonable skill and care. Communicate the supplied fact and recommend qualified investigation. Do not diagnose the engineering cause or guarantee safety. A different customer relationship has its own duty and conditions.

8. For a rental and provider covered by applicable fair housing law, which screening practice best supports compliance without deciding every legal condition?

  1. Use documented neutral criteria consistently
  2. Steer families to one building
  3. Publish different rules for similar applicants
  4. Change income standards by protected class
Show answer and explanation

Answer: A. Use documented neutral criteria consistently

Documented, lawful criteria applied consistently support fair treatment. A neutral label is not a complete defense: actual coverage, discriminatory conduct or effects, reasonable accommodation and other applicable duties still matter. This exercise does not approve a private screening policy.

9. Does recording a deed replace valid delivery and acceptance?

  1. Yes, if the deed is notarized
  2. No, recording supplies notice but does not replace delivery and acceptance
  3. No, because deeds cannot be recorded
  4. Yes, recording always creates intent
Show answer and explanation

Answer: B. No, recording supplies notice but does not replace delivery and acceptance

Delivery and acceptance concern the effective transfer. Recording addresses notice and priority under the governing law; it does not replace the required intent and acceptance. Illinois decisions can recognize a rebuttable presumption from an acknowledged recorded deed, not an irrebuttable cure of every defect.

10. Two competing brokerages agree that neither will charge below a stated commission. What issue is most directly raised?

  1. Price fixing
  2. Legal market allocation
  3. A title defect
  4. Permitted steering
Show answer and explanation

Answer: A. Price fixing

The supplied agreement between competitors on a minimum commission raises horizontal price fixing. Fees must be set independently. Similar prices alone, without an agreement or coordination, do not prove price fixing.

11. A borrower pays 1.5 points on a $300,000 loan. What is the charge?

  1. $45,000
  2. $300,001.50
  3. $2,000
  4. $4,500
Show answer and explanation

Answer: D. $4,500

One point is 1% of the loan amount. $300,000 × 0.015 = $4,500. Do not use a separate purchase price or assume that 1.5 points fixes a particular interest-rate reduction.

12. A valid easement benefits a specified neighboring parcel rather than an individual personally. For this vocabulary question, what is the benefited parcel called?

  1. The servient tenement
  2. The zoning board
  3. The promissory note
  4. The dominant tenement
Show answer and explanation

Answer: D. The dominant tenement

Property Ownership: the dominant parcel receives the easement benefit; the servient parcel bears the burden. An easement gives a defined use right, not automatically ownership of the affected land. The actual grant controls its scope.

13. A proposed use is allowed by the applicable zoning ordinance. Does that alone resolve a separate recorded private restriction?

  1. No; public zoning and private restrictions are separate controls
  2. No; private restrictions automatically defeat every law
  3. Yes; every zoning permission automatically cancels every covenant
  4. Yes; all recorded restrictions become public ordinances
Show answer and explanation

Answer: A. No; public zoning and private restrictions are separate controls

Land Use Controls: identify each control and its actual validity and scope. Zoning permission alone does not decide the effect of a private covenant. This exercise does not approve the proposed use or decide an actual enforcement dispute.

14. A direct-capitalization exercise supplies annual NOI of $72,000 and an applicable annual overall rate of 9%. What is the indicated value, without adjustments or a different method?

  1. $6,480
  2. $8,000,000
  3. $800,000
  4. $72,009
Show answer and explanation

Answer: C. $800,000

Valuation: value = annual NOI ÷ annual overall rate = $72,000 ÷ 0.09 = $800,000. The supplied NOI and rate are assumptions for this method, not a private appraisal conclusion, guaranteed sale price or proof of total investment yield.

15. A basic LTV exercise gives a $240,000 loan and an applicable property value base of $300,000. No lender-specific delivery rounding or different purchase-value rule is supplied. What is LTV?

  1. 8%
  2. 80%
  3. 125%
  4. 20%
Show answer and explanation

Answer: B. 80%

Financing: $240,000 ÷ $300,000 = 0.80, or 80%. The unused $60,000 is not the loan numerator. This elementary ratio does not establish loan approval, mortgage-insurance treatment or every lender’s value-base rule.

16. A valid bilateral purchase contract is signed, but its future promises have not yet been fully performed. Which performance term best fits those uncompleted promises?

  1. Unilateral solely because it is written
  2. Void solely because closing is later
  3. Fully performed solely because it is signed
  4. Executory
Show answer and explanation

Answer: D. Executory

Contracts: executory describes performance still to be completed. In a performance contrast, executed can mean completed; in document usage, executed can also mean signed. Signing alone does not show that future promises have been fulfilled or determine every other validity issue.

17. An Illinois buyer-client’s maximum willing price is supplied as confidential information. The buyer has not authorized disclosure, and no legal disclosure exception is supplied. May the licensee reveal it just to help the seller negotiate?

  1. Yes; compensation automatically removes confidentiality
  2. Yes; confidentiality ends whenever an offer is discussed
  3. Yes; every seller is entitled to the buyer’s maximum
  4. No; keep the supplied confidential information confidential
Show answer and explanation

Answer: D. No; keep the supplied confidential information confidential

Agency: Section 15-15 requires the licensee to protect client confidential information. The question supplies confidential status and absence of an authorization or other exception. Compensation, the seller’s curiosity and negotiation convenience do not themselves authorize disclosure.

18. A covered sale concerns a 1965 home with no known lead information or available lead reports. Assume no federal exemption or written waiver or change of the buyer’s evaluation period. Does no known lead eliminate the federal disclosure process?

  1. Yes; a seller report replaces every federal document
  2. No; the covered information package and ordinary buyer opportunity still apply
  3. Yes; the buyer must first buy a test before receiving any disclosure
  4. Yes; only a positive test can trigger the law
Show answer and explanation

Answer: B. No; the covered information package and ordinary buyer opportunity still apply

Property Disclosures: accurately state knowledge and available records within the required lead process, including the approved pamphlet and documentation. The ordinary buyer evaluation opportunity is ten days on these supplied facts. Lack of knowledge is not an exemption, and this provision does not universally require seller testing or abatement.

19. In a covered rental, a tenant requests a policy exception that may be necessary because of disability to use and enjoy the dwelling. Does an otherwise neutral no-exceptions policy end the analysis?

  1. No; every requested change is automatically required
  2. Yes; accommodation applies only to homeowners
  3. No; assess the reasonable-accommodation duty under the applicable facts
  4. Yes; neutral wording always defeats disability rights
Show answer and explanation

Answer: C. No; assess the reasonable-accommodation duty under the applicable facts

Property Management: 42 U.S.C. 3604(f)(3)(B) addresses reasonable accommodations in rules, policies, practices and services when necessary for equal opportunity. Coverage, reasonableness, necessity and actual facts matter; neither blanket denial nor automatic approval follows from the label alone.

20. An Illinois later purchaser actually knows of an earlier unrecorded conveyance. Does filing first, by itself, satisfy Section 30’s protection for a subsequent purchaser without notice?

  1. No; recording can never affect anyone
  2. Yes; every earlier conveyance is automatically void between all parties
  3. Yes; the first recorder always wins regardless of notice
  4. No; the supplied actual notice defeats that stated condition
Show answer and explanation

Answer: D. No; the supplied actual notice defeats that stated condition

Transfer of Title: Section 30 identifies creditors and subsequent purchasers without notice and the filing condition. Do not turn it into a universal first-recorded rule. This question isolates the supplied notice condition without deciding a real parcel’s complete title priority.

21. Two competing brokerages independently choose the same fee after responding to the same market conditions. The question supplies no agreement or coordination. Do equal fees alone prove price fixing?

  1. No; competitors are free to agree on a minimum later
  2. No; similarity alone does not establish an agreement
  3. Yes; every published price is collusion
  4. Yes; any equal fee is automatically criminal
Show answer and explanation

Answer: B. No; similarity alone does not establish an agreement

Practice of Real Estate: the FTC distinguishes coordinated pricing from independent decisions that can produce similar results. Other evidence could change the analysis. This question does not authorize an agreement, allocate customers or decide an actual investigation.

22. A purchase price is $400,000, but the loan amount is $320,000. A stated points charge is 1.5 points on the loan. What is the charge?

  1. $4,800
  2. $48,000
  3. $6,000
  4. $320,001.50
Show answer and explanation

Answer: A. $4,800

Real Estate Calculations: use the loan base, $320,000 × 0.015 = $4,800. Using the $400,000 purchase price produces the wrong base here. One point is one percent of loan amount; this arithmetic does not specify a particular rate reduction or approve a loan offer.

Common questions

How many questions are on the national real estate exam for Illinois?

The June 24,2026 PSI booklet lists 100 scored national broker questions, with a 70% raw passing standard. It separately lists 40 scored Illinois questions at 75%. It says five to ten unscored experimental questions may be administered and use examination time. Do not assume that every visible official item is scored or that these original practice questions reproduce PSI items.

Where is the free 100-question national practice exam?

Use the full national simulation linked near the top of this page. Forms A, B and C each contain 100 original questions using the published eleven-topic counts and a 150-minute practice clock. No account or app download is required. This page’s shorter questions are teaching examples, not a full weighted examination.

What is the national passing score?

The booklet’s raw national broker standard is 70%, equivalent to 70 of 100 scored questions. That is the official exam’s standard, not a certified passing result on this teaching sample or an uncalibrated web form. There is no separate official topic pass mark listed for each national area.

What are the eleven national real estate exam areas?

Property Ownership; Land Use Controls; Valuation; Financing; Contracts; Agency; Property Disclosures; Property Management; Transfer of Title; Practice of Real Estate; and Real Estate Calculations. The last area includes points, LTV, equity, capitalization and transaction calculations. Numerical reasoning can also appear in other topics.

Which national topics have the most questions?

Contracts has 19, Agency 13 and Practice of Real Estate 12. They total 44 of 100. Property Ownership and Financing add ten each, making 64 across those five areas. The other six areas still account for 36 questions; small areas should not be omitted.

Should a practice form use equal questions from each topic?

Not if its purpose is to use the published 100-question allocation. The counts are 10,5,8,10,19,13,7,3,6,12 and 7 in the table’s order. Equal topic practice can be useful for learning, but it is a different sampling choice. Matching the official counts does not establish equal difficulty or a validated readiness estimate.

How much time is allowed for the national portion?

The dated booklet lists 150 minutes for the national broker portion and 90 for Illinois. PSI’s separate program webpage states a 3.5-hour exam duration. Those statements do not fully agree, so use your appointment notice and the linked time-limit explanation for the unresolved publication difference. The linked national simulator uses 150 minutes as its practice setting.

Do I get ninety seconds for each question?

No fixed per-item allowance follows.150 minutes ÷ 100 scored questions equals ninety seconds as an average, but any experimental items also consume exam time. In practice, some questions will take less time and others more. Any review budget belongs inside the practice limit.

Does 80% on two practice forms mean I am ready?

No validated rule on this site establishes that conclusion. These forms have not been calibrated to PSI difficulty or demonstrated equivalent to each other. Keep the total, topic denominators, timing, blanks, guesses and recurring errors as study observations. Use different facts to check understanding rather than turning a score into a pass probability or booking instruction.

Are the sample questions official PSI questions?

No. They are original teaching questions based on the public outline and identified sources. They do not reproduce recalled live questions, forecast a particular exam form or claim to cover every subtopic. The linked full forms are also original study material.

Are the national and combined exam questions different?

The corresponding combined 140-question forms reuse the national banks and add Illinois questions. A change of format does not make those national prompts new. Starting the same form again also repeats its questions, even when the presentation order differs.

What should I review after a practice attempt?

Start with misses, blanks and correct guesses. Name the decisive fact, the applicable rule, why the closest wrong choice fails and the cause of your error. Verify the source’s jurisdiction and conditions, then practise a different example. The tool’s flags do not record a confidence score, so make a separate note of uncertainty if useful.

Does 2/3 in a topic mean I know two-thirds of that topic?

It means you answered two of those three questions correctly. The percentage is about 66.7%, but that tiny sample does not measure the whole subject. Review the actual missed or uncertain distinction and try other questions before making a broad conclusion.

Should I learn Illinois law while studying national topics?

Keep the national concept and the governing jurisdiction separate. Agency, offers, deeds and property management can have state-specific rules. Where this page uses an Illinois provision to make a concept precise, it labels that example. Another state’s reference book explains vocabulary; it does not establish Illinois legal procedure.

Can I pause or save an unfinished national-only attempt?

The national-only simulator has no pause control. Its current attempt is held in page state: reloading, leaving or switching forms can reset that attempt. Completed attempt summaries can be saved in this browser when storage works; that is not cloud backup. The combined simulator has different save behavior. Print or save a completed report if you want to retain its detailed review.

What is included in the national-only printable result?

After a nonempty submitted attempt, the study result separates correct, incorrect and blank counts and shows topic results, questions, choices, explanations, source links and study destinations. The existing national report also includes its changed-fact examples and references. A printout is a personal study record, not an official score report or validated readiness certificate. This page’s review does not redesign that separate report.

Can the sample replace the full content outline or required education?

No. Even two questions in every national area leave many subtopics untested. Use the full public broker outline, course materials and topic lessons. Practice questions do not replace approved pre-license education, and a national score does not satisfy the separate Illinois examination requirement.

Does one point always reduce the rate by a fixed amount?

No. One point equals one percent of the loan amount, but the pricing effect depends on the lender, loan type and market. The CFPB also distinguishes discount points tied to rate from other percentage-based fees. Calculate the stated charge using the supplied loan amount; do not invent a rate reduction, monthly saving or break-even period.

Keep practising

Your next practice step

Bring the national topics together

Move from a topic exercise to a longer national session, then review the explanations and topic report.

Try a 100-question national practice testExplore the optional app

These web resources are free. The app has a separate free starter tier and optional paid full access.

Official sources and scope

Exam format and topic counts were checked against the identified PSI booklet and separately published program page through October 27, 2026. Their inconsistent duration statements remain disclosed. Specific official provisions, agency explanations, judicial decisions and regulator teaching references support the sample answers within their stated jurisdiction and scope. Earlier actual primary readings are recorded where reused. Simulator features and the three banks’ question counts were checked against the existing implementation; this page does not freshly review all 300 bank answers or change those banks.

This is exam preparation, not advice for a specific transaction. State law and the applicable facts control. Our editorial and corrections process explains how to report an issue.

Was this guide useful?

Choose one response. You can add a short note, especially if a rule, example, or explanation needs work. No name or email is requested.