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[Hardware] Free MLO pdf torrent & NMLS MLO exam answers & MLO vce dumps

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【Hardware】 Free MLO pdf torrent & NMLS MLO exam answers & MLO vce dumps

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NMLS Mortgage Loan Origination (SAFE MLO) Exam Sample Questions (Q92-Q97):NEW QUESTION # 92
Which of the following entities is the primary regulatory authority for state-licensed, non-depository lenders?
  • A. A state regulator
  • B. The Federal Trade Commission
  • C. The Conference of State Bank Supervisors
  • D. NMLS
Answer: A
Explanation:
For state-licensed, non-depository lenders, the primary regulatory authority is the state regulator in the jurisdiction where the lender operates. Each state has its own agency or department responsible for overseeing licensing, compliance, and enforcement of mortgage laws for non-depository institutions.
* The NMLS (A) is the system used to manage licenses but is not a regulatory authority.
* The Federal Trade Commission (B) oversees federal consumer protection laws but is not the primary regulator for state-licensed lenders.
* The Conference of State Bank Supervisors (CSBS) (D) helps coordinate state regulation but does not directly regulate individual lenders.
References:
SAFE Act, 12 USC §5101
NMLS and State Regulator Guidelines

NEW QUESTION # 93
A consumer with HIV/AIDS is protected from lending discrimination by the:
  • A. Dodd-Frank
  • B. Fair Housing Act
  • C. Equality Act
  • D. Employment Non-Discrimination Act
Answer: B
Explanation:
The Fair Housing Act prohibits discrimination in housing based on disability. Federal courts and HUD have consistently ruled that HIV/AIDS qualifies as a disability under the Act.
"The Fair Housing Act prohibits discrimination in housing based on disability, including HIV/AIDS."
- U.S. Department of Justice; HUD Fair Housing Act Overview
References:
HUD, Housing Discrimination and Persons with HIV/AIDS
DOJ, The Fair Housing Act

NEW QUESTION # 94
Which of the following fees must remain the same unless a valid changed circumstance occurs?
  • A. Total per diem interest
  • B. Homeowner's insurance
  • C. Fees paid to an affiliate of the lender
  • D. Owner's title insurance premium
Answer: C
Explanation:
Under TILA-RESPA Integrated Disclosure (TRID) Rule, fees paid to affiliates of the lender (e.g., title companies, appraisers) must remain the same on the Loan Estimate (LE) unless there is a valid changed circumstance (such as a significant change in the loan terms or property value). These fees fall under the zero-tolerance category, meaning they cannot increase from the amount disclosed on the LE unless a change in circumstance justifies the increase.
* Other costs like per diem interest (A), homeowner's insurance (B), and owner's title insurance premiums (C) can change, as they are not subject to the same zero-tolerance rules.
References:
* TILA-RESPA Integrated Disclosure Rule (TRID), 12 CFR §1026.19
* CFPB TRID Guidelines on fee tolerance

NEW QUESTION # 95
Which of the following must be included on all residential mortgage loan application forms?
  • A. A mortgage loan originator's unique identifier
  • B. The maiden name of the borrower's mother
  • C. The borrower's previous five year employment history
  • D. A borrower's driver's license number
Answer: A
Explanation:
Regulation Z (TILA) and the SAFE Act require that all mortgage loan applications include the MLO's unique identifier, which allows regulators and consumers to identify the MLO involved in the transaction.
"Each loan application must include the mortgage loan originator's name and unique identifier."
- 12 CFR § 1026.36(g); SAFE Act
Other listed information is not federally required on every mortgage application.
References:
CFPB, Loan Originator Identifier Requirements
SAFE MLO National Test Study Guide

NEW QUESTION # 96
A loan secured by any lien other than the first lien position is referred to as:
  • A. Agency
  • B. Non-conforming
  • C. Subordinate
  • D. Collectible
Answer: C
Explanation:
A subordinate lien (or junior lien) refers to any loan or claim against a property that is secondary to the first lien (the primary mortgage). Examples include second mortgages, home equity loans, or lines of credit.
"A subordinate lien is a mortgage or other lien that has a lower priority than a previous mortgage or lien."
- SAFE MLO National Test Study Guide
References:
SAFE MLO National Test Study Guide
CFPB, Glossary

NEW QUESTION # 97
......
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