최신NMLS Mortgage Loan Origination (SAFE MLO) - MLO무료샘플문제

A. Register with the Conference of State Bank Supervisors (CSBS).

B. Obtain and annually maintain a license.

C. Maintain a valid unique identifier issued by the AARMR.

D. Retake the SAFE MLO National Test after failing to maintain a valid license for a period of four years.

A. An APR equal to or less than the average prime offer rate (APOR)

B. An APR less than the APOR + 1.5%

C. An APR less than the APOR + 1.0%

D. An APR less than the APOR + 2.5%

A. 80%

B. 75%

C. 70%

D. 78%

A. 60 days

B. 30 days

C. 45 days

D. 15 days

A. $204,300 plus lender's attorney fees

B. $200,000

C. $200,000 plus lender's attorney fees

D. $204,300

A. An addition of a prepayment penalty

B. A change in APR

C. An addition of an escrow account

D. A change in loan product

A. Notify the underwriter regarding possible change of borrower's employment status

B. Tell the borrower not to say anything at closing

C. Nothing, as the loan has already been approved

D. Recommend that the borrower attend homeownership counseling

A. As often as necessary

B. Semiannually

C. Annually

D. Upon renewal only

A. The act of the mortgage lender putting a "red line" under the borrower's name in a file to indicate they are a substandard applicant

B. The systematic denial of various services to residents of specific, often racially associated, neighborhoods or communities, either explicitly or through the selective raising of prices

C. Ensuring that all creditworthy borrowers are afforded equal treatment when applying for a mortgage loan

D. The mortgage loan originator convincing the underwriter to move their loan file to the front of the line or "redline" it

A. 88%

B. 80%

C. 90%

D. 89%

A. pricing discrepancies.

B. fair lending.

C. a forgetful borrower.

D. mortgage fraud.

A. Considered an illegal kickback prohibited by the Real Estate Settlement Procedures Act (RESPA).

B. Permissible if the compensation is limited to payment for the real estate agent's related business expenses.

C. Permissible if the compensation is limited to meals or other noncash gifts.

D. Prohibited unless the client is notified and consents to the payment.

A. To confirm the identity of the applicant

B. To identify any preexisting liens against the collateral property

C. To determine whether a buyer can purchase the collateral property

D. To determine the amount of homeowner's insurance required

A. Sales comparison approach

B. Residual method approach

C. Cost approach

D. Income approach