現実的なMLO資格模擬 & 正確的なNMLS 認定トレーリング-有効的なNMLS Mortgage Loan Origination (SAFE MLO) ExamJpshikenのMLOこの驚くほど高く受け入れられているMLO試験に適合するには、NMLS のMortgage Loan Origination (SAFE MLO) Exam学習教材のような上位の実践教材で準備する必要があります。 彼らは時間とお金の面で最良のMLO選択です。 初心者の場合は、練習教材の学習ガイドから始めてください。当社の製品は、テストエンジンの助けを借りて学習問題を修正します。 Mortgage Loan Origination (SAFE MLO) ExamのMLOトレーニング準備のすべてのコンテンツは、素人にだまされているのではなく、このエリアのエリートによって作成されています。 弊社の優秀なヘルパーによる効率に魅了された数万人のMLO受験者を引き付けたリーズナブルな価格に沿ってみましょう。 Mortgage Loan Origination (SAFE MLO) Examのクイズガイドを使用して、難しい難問を解決してください。 NMLS Mortgage Loan Origination (SAFE MLO) Exam 認定 MLO 試験問題 (Q58-Q63):質問 # 58
The SAFE Act defines a nontraditional mortgage as all of the following except:
A. An interest-only mortgage.
B. A payment option ARM with a down payment of 5%.
C. A 30-year fixed rate mortgage with a 25% down payment.
D. 15-year mortgage with an interest rate of 10%.
正解：C
解説：
The SAFE Act defines a "nontraditional mortgage" as any loan product other than a 30-year fixed-rate mortgage. Nontraditional loans include adjustable-rate mortgages (ARMs), interest-only loans, payment option ARMs, and other products with features outside the standard fixed-rate structure.
"Nontraditional mortgage product means any mortgage product other than a thirty-year fixed-rate mortgage."
- SAFE Act, 12 USC § 5102(7); NMLS UST Outline
Thus, the 30-year fixed-rate mortgage with a 25% down payment is not nontraditional; all the other examples are.
References:
SAFE Act, 12 USC § 5102(7)
SAFE MLO National Test Study Guide
質問 # 59
Which of the following individuals is required to be licensed as a mortgage loan originator (MLO)?
A. A seller providing financing to the purchaser of a dwelling owned by the seller
B. An MLO's assistant explaining and describing the steps that a borrower will need to take in order to obtain a loan
C. An underwriter presenting a revised loan offer to a borrower under the direction and supervision of a licensed lender
D. A loan processor performing clerical duties under the direction and supervision of a licensed broker
正解：A
解説：
Under the SAFE Act, individuals who take an application and offer or negotiate terms of a residential mortgage loan for compensation or gain must be licensed as MLOs.
A seller providing financing for the sale of their own property (such as in an owner-finance transaction) is generally required to be licensed as an MLO unless specifically exempted by state or federal law (limited situations, e.g., seller-finance up to 3 properties per year).
Other individuals listed (processors, assistants, underwriters) do not require licensure as long as they are working under the direction and supervision of a licensed MLO and not negotiating loan terms or taking applications.
"Any individual who takes a residential mortgage loan application and offers or negotiates terms for compensation or gain must be licensed as a mortgage loan originator, unless specifically exempted."
- SAFE Act, 12 U.S.C. § 5102(4)
References:
SAFE Act, 12 U.S.C. § 5102(4)
NMLS Uniform State Content Outline
質問 # 60
Maximum available flood insurance structure coverage for a residential property from the National Flood Insurance Program is what amount?
A. $1,000,000
B. $750,000
C. £250,000
D. £500,000
正解：C
解説：
The maximum available flood insurance structure coverage for a residential property under the National Flood Insurance Program (NFIP) is £250,000. The NFIP is a federal program that provides flood insurance to property owners in participating communities.
* The £250,000 limit applies specifically to residential property structures. For contents coverage, the maximum is $100,000.
Higher coverage limits, such as $500,000 or $1,000,000, may be available through private insurers, but the NFIP itself caps coverage at $250,000 for structures.
References:
* National Flood Insurance Program (NFIP)
* FEMA Flood Insurance Manual
質問 # 61
Which of the following actions should a mortgage loan originator (MLO) take if a real estate broker offers the MLO $500 to obtain a purchase-money mortgage for the real estate broker's client?
A. Decline the money
B. Receive the $500 fee and include it on the Closinq Disclosure
C. Accept the money after obtaining the requested loan for the client
D. Apply the $500 towards the downpayment
正解：A
解説：
The Real Estate Settlement Procedures Act (RESPA) prohibits kickbacks, referral fees, and unearned fees in any transaction involving a federally related mortgage loan. If a real estate broker offers the MLO $500 to obtain a purchase-money mortgage for the broker's client, the MLO must decline the money. Accepting payment for a referral is illegal under Section 8 of RESPA.
* Options such as applying the money toward the down payment (B) or including it on the Closing Disclosure (C)** do not make the payment legal, as it would still violate RESPA.
References:
* RESPA Section 8 - Prohibition on kickbacks and referral fees
* CFPB Guidelines on RESPA compliance
質問 # 62
Within how many days must a creditor notify an applicant of action taken on a completed mortgage loan application?
A. 60 days
B. 30 days
C. 15 days
D. 45 days
正解：B
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
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