MLO無料模擬試験、MLO問題例理論の最新の発展に従って、MLO練習教材が多くの専門家によって改訂されることを保証し、学生向けにカスタマイズされた学習コンテンツを専門的にPassTest編集します。つまり、MLO試験を簡単かつ効率的に見つけることができます集中し、良い学術的成果を得る。さらに、MLO試験ガイドは、お客様にサプリメントサービスモックテストを提供します。これにより、お客様はMLO試験問題を勉強することにより、一生懸命勉強し、欠陥をチェックできます。 NMLS Mortgage Loan Origination (SAFE MLO) Exam 認定 MLO 試験問題 (Q190-Q195):質問 # 190
Which of the following activities is considered a settlement service as defined by the Real Estate Settlement Procedures Act (RESPA)?
A. Origination of a timeshare loan
B. Origination of a chattel-secured loan
C. Origination of an interim unsecured loan
D. Origination of a federally related mortgage loan
正解：D
解説：
Under RESPA, a settlement service includes any service provided in connection with a real estate settlement, including the origination, processing, or funding of a federally related mortgage loan. A federally related mortgage loan is defined as any loan (other than temporary financing) secured by a first or subordinate lien on residential real property.
"Settlement service means any service provided in connection with a real estate settlement including but not limited to... the origination of a federally related mortgage loan."
- 12 CFR § 1024.2, Regulation X
Timeshare, chattel, and unsecured loans are not considered federally related mortgage loans under RESPA.
References:
CFPB, RESPA - Regulation X
SAFE MLO National Test Study Guide
質問 # 191
Within how many days must a creditor notify an applicant of action taken on a completed mortgage loan application?
A. 60 days
B. 15 days
C. 45 days
D. 30 days
正解：D
解説：
Under the Equal Credit Opportunity Act (ECOA), creditors must notify applicants of action taken (approval, denial, or other) within 30 days of receiving a completed application.
"A creditor shall notify an applicant of action taken within 30 days after receiving a completed application concerning the creditor's approval of, counteroffer to, or adverse action on the application."
- 12 CFR § 1002.9(a)(1), Regulation B (ECOA)
References:
CFPB, Notification Requirements
SAFE MLO National Test Study Guide
質問 # 192
According to the SAFE Act, which of the following activities requires licensure as a mortgage loan originator?
A. Providing a consumer with a Homebuyer's Toolkit
B. Providing a consumer with the loan policies of the lender
C. Communicating with a consumer to arrange a loan closing
D. Communicating the details of an offer for the first time over the phone
正解：D
解説：
Under the SAFE Act, any activity that involves offering, negotiating, or discussing loan terms with consumers requires licensure as a mortgage loan originator (MLO). Communicating the details of an offer over the phone would require MLO licensure, as it involves explaining or negotiating loan terms.
* Providing general information or resources like a Homebuyer's Toolkit (A) or loan policies (B) does not require an MLO license, as these are not specific to negotiating loan terms.
References:
* SAFE Act, 12 USC §5101
* NMLS Licensing Requirements
質問 # 193
What are the maximum basis points added to the average prime offer rate (APOR) that keep a loan's APR as a qualified mortgage under the Consumer Financial Protection Bureau's (CFPB's) Safe Harbor Rule?
A. 150 basis points
B. 300 basis points
C. 85 basis points
D. 100 basis points
正解：D
解説：
A loan is a Qualified Mortgage (QM) with "safe harbor" legal protection if its APR does not exceed the average prime offer rate (APOR) by more than 100 basis points (1%) for a first-lien transaction.
"A covered transaction is a safe harbor QM if the APR does not exceed the APOR for a comparable transaction by 1.5 or more percentage points for first-lien transactions, or 3.5 percentage points for subordinate-lien transactions. For purposes of safe harbor protection, the threshold is 1 percentage point (100 basis points) above APOR."
- 12 CFR § 1026.43(e); CFPB QM/ATR Rule Summary
References:
CFPB, Qualified Mortgage and Ability-to-Repay Rule
SAFE MLO National Test Study Guide
質問 # 194
Which of the following fees or charges is an allowable closing cost typically found on a Closing Disclosure?
A. Yield-to-loan fee
B. Referral fee
C. Origination charge
D. Servicing fee
正解：C
解説：
An origination charge is an allowable closing cost typically found on the Closing Disclosure (CD). This fee is charged by the lender for processing the mortgage application and creating the loan. It may include administrative fees, underwriting fees, and other costs related to loan origination.
* Referral fees (B) are illegal under RESPA.
* Servicing fees (C) are not typically listed as closing costs but are part of ongoing loan maintenance.
* Yield-to-loan fees (D) are not a standard item on a Closing Disclosure.
References:
* TILA-RESPA Integrated Disclosure (TRID) Rule
* RESPA (Real Estate Settlement Procedures Act) Section 8