Took my 63 hour associate class here. And, i am now licensed! I highly advise buying the review guide which is thirty five bucks. If you take the Cram Class before the state exam its included, or, you can deduct it from class if pre purchased. Most ppl in my class that i connected with, did, take the cram course, which i did not. They all passed the exam! I just studied the study guide, which is i highly condensed version of the Class Book, with questions and answers, and practice tests. In preparing for the State Exam, i would concentrate on the few chapters in the book, that the teachers point out. (Contracts and Associate Client Relationships, and the types of fiduciary relationships) The State is not a Math test, although there are several calculation you will have to make! Don't waste all your time studying the Math. Spend your time studying the Dark Black Situational examples in the book. I took the state yesterday. Here are some hints. Statute 475, Civil Rights 1866, Respa, Isla, Military 7 days, 4 year degree exemptions, and College Exemptions, Post 45 education, Doc Stamps, Intangible tax, Deed stamps, 4365 sq feet in acre, 640 Acres, Be able to back in to each, .008 or 1 eighth, School Taxes 25000, Homestead exemptions 50,000, Rights of Survivorship Relationships, Tenancy at will 7days-30 days, remainder man, Tenancy for life, Fee simple, Escheat, Eminant Domain, Metes and bounds, know the opposite section on metes and bounds, Anything that has to do with an associate or broker breaking the law, broker pays associate, Licensensed assistant can get commission, un licensed assistant can't (trick question) Lead paint 1978, protected class, siesen clause, how to compute split commissions, fractions(very important) , when a contract is enforceable vs not, rights of survivorship(what it means), one last thing, a question of Bins and multiple floors-deducting a portion-deducting non useable space, FHA-VA how they are insured, Conventional loan market, Federal Reserve, What effects the Realestate Market, Personal Property, Verbal Contract vs Written # of days, Reliction, Depreciation by obsolescence, don't adjust the primary(very important), USPAP, Limits on types of loans (purchase amount), Assumable mortgages, Points-one eighth, adding points, real-estate associate can sell own property-must disclose, 50 buck bonus to apt referrals, leases over one year-must license, Lawyers prepare leases, BPO, what personal assistants can-cant do, The R-for realtor association-who can, Rental list-Refund 75 bucks, Frec can't arrest, DPBR imposes fines, redlining-block busting-steering, what a variance is-Zoneing, habendum clause, novation, defesciense clause, encroachments, 7 members-4 broker etc..., lots of answers where violating 475. Lots of escrow questions, parol-verbal contracts-4 yes, written 5 yrs, leases are not sales contracts, CAM license. Hope this helps you all, it would have been valuable to me! Good Luck! read more