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NMLS MLO Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Uniform State Content | - Licensing Requirements and Compliance - State Lending Regulations Overview |
| General Mortgage Knowledge | - Loan Origination Process - Mortgage Types and Products - Underwriting Basics - Loan Closing Procedures |
| Ethics and Professional Conduct | - Disclosure Requirements - Fraud Prevention - Consumer Protection Standards |
| Federal Mortgage-Related Laws | - Fair Housing Act - Real Estate Settlement Procedures Act (RESPA) - Truth in Lending Act (TILA) / Regulation Z - Equal Credit Opportunity Act (ECOA) |
NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:
A mortgage loan originator who informs a prospective borrower that a certain loan interest rate can only be guaranteed if an application is submitted within the next 30 minutes is committing:
- A. Discrimination
- B. Redlining
- C. Coercion
- D. Exaggeration
Correct Answer: C 🗳️
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Which of the following occupancy types are listed on the Uniform Residential Loan Application?
- A. Primary residence, vacation residence, multifamily residence
- B. Primary residence, secondary residence, investment
- C. Primary residence, multiunit residence, commercial
- D. Primary residence, duplex residence, business
Correct Answer: B 🗳️
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Which of the following settlement costs is considered a prepaid item?
- A. Recording fee
- B. Real estate taxes
- C. Closing fee
- D. Title insurance
Correct Answer: B 🗳️
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Which of the following federal laws requires mortgage lenders to adopt and follow anti-money laundering (AML) rules and regulations?
- A. The National Currency Act
- B. The Bank Secrecy Act
- C. The National Bank Act
- D. The Real Estate Settlement Procedures Act
Correct Answer: B 🗳️
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When applying for a home equity line of credit (HELOC), consumers should review documentation carefully and be sure that they consider:
- A. if the HELOC requires private mortgage insurance
- B. the APR and the costs of acquiring and maintaining the HELOC.
- C. if the company offering the HELOC has deposit accounts insured by the FDIC.
- D. if the HELOC is insured by HUD.
Correct Answer: B 🗳️
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