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A special warranty deed guarantees against defects only during the grantor’s ownership. General warranty (A) covers all time, quitclaim (B) offers no warranties, and bargain and sale (D) implies ownership but limited protection.

Recording a deed in public records provides constructive notice of ownership to the world. It does not guarantee ownership (title insurance does that). Deeds themselves transfer title when delivered and accepted; recording is not required for validity but protects the buyer’s interests.

A quitclaim deed conveys whatever interest the grantor has, with no warranties. It’s common in family transfers or clearing title. General warranty (A) offers full warranties. Special warranty (B) covers only the grantor’s ownership. Bargain and sale (D) implies ownership but minimal protection.

Earnest money is part of the consideration—something of value exchanged in a contract. It demonstrates the buyer’s good faith. Commission (B) is paid to brokers. A down payment (C) is applied at closing. Loan guarantees (D) are unrelated.

The Real Estate Settlement Procedures Act (RESPA) prohibits kickbacks, referral fees, and unearned fees in real estate settlement services. TILA (A) regulates lending disclosures, ECOA (C) prevents lending discrimination, and the Fair Housing Act (D) prohibits housing discrimination.