MLO 無料問題集「NMLS Mortgage Loan Origination (SAFE MLO)」

（A）Withholding payment from an appraiser

（B）Asking the appraiser to substantiate a value

（C）Encouraging a target value

（D）Communication directly between the loan officer and the appraiser

（A）Immigration status

（B）Marital status

（C）Retirement age

（D）Receipt of child support

（A）Any days that employees may access the office to work

（B）Every day except Sunday and legal holidays

（C）Every day from 9 a.m. to 5 p.m.

（D）Any days except Saturdays and Sundays

（A）eligible total monthly debt obligations, including the monthly housing expense, divided by the borrower's gross monthly income.

（B）eligible total monthly debt obligations for trade lines greater than 12 months multiplied by the borrower's net monthly income.D eligible total monthly debt obligations excluding the monthly housing expense divided by the borrower's net monthly income

（C）borrower's gross monthly housing expense divided by the principal, interest, and appraised value.

（A）Another state denies the MLO's license application.

（B）A week has elapsed between when the MLO's federal registration expired and sponsorship by a new employer.

（C）The MLO was terminated by his previous employer.

（D）The state does not grant temporary authority to transitioning MLOs.

（A）$200,000

（B）$204,300 plus lender's attorney fees

（C）$200,000 plus lender's attorney fees

（D）$204,300

（A）Denying services to residents of a certain area based on race or ethnicity

（B）Denying services to residents in states that a company is not licensed in

（C）Highlighting areas of concern on an appraisal report

（D）Highlighting areas of concern on a mortgage application

（A）Completed at least 10 hours of pre-licensing education

（B）Have never been convicted of a felony in a domestic, foreign or military court

（C）Have not had an MLO license revoked in the last five years

（D）Are covered by either a net worth or surety bond or pay into a state fund as required by the state loan originator's supervisory authority

（A）Construction

（B）Refinance

（C）Reverse mortgage

（D）USDA Rural Development

（A）Index and interest rate only

（B）Margin, Index and interest rate

（C）Margin and interest rate only

（D）Index and margin only

（A）Hosting an educational seminar at no cost to the participants

（B）Sponsoring a little league team where the company name is on the uniforms

（C）Renting office space at lower rates based on the whole or in the amount of business referred

（D）Donating an item of value to a silent auction hosted by a charity

（A）Homeowners association dues

（B）Down payment

（C）Mortgage insurance premium

（D）Hazard insurance premium

（A）Monthly payment on simultaneous loans

（B）Current debt obligations, alimony and child support

（C）Credit history

（D）Proceeds from the sale of the property securing the loan