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NMLS MLO Exam Syllabus Topics:

NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:

1. The TILA-RESPA Integrated Disclosure rule (TRID) applies to most closed-end consumer credit transactions secured by real property, which includes:

A) refinance of a condominium property.
B) reverse mortgages.B home equity lines of credit (HELOCs;
C) loans secured by a mobile home on a leased lot.

2. Which of the following is an acceptable reason for denying a forward mortgage under the Equal Credit Opportunity Act (ECOA)?

A) Retirement age
B) Immigration status
C) Marital status
D) Receipt of child support

3. A couple purchasing a house does not have enough money in reserve to meet the underwriting guidelines for their loan. They are required to bring $10,000 to closing, and they will be $3,000 short unless they can find additional cash. The mortgage loan originator may assist the borrowers by taking which of the following actions?

A) Editing the underwriter's copy of the purchase and sales agreement on the property to show a $3,000 contribution from the seller
B) Suggesting that the borrowers temporarily borrow money from a relative to deposit into their bank account until the loan closes
C) Having the real estate agent deposit $3,000 into the borrowers' bank account to generate a deposit record and then withdrawing the money immediately
D) Asking the borrowers if they have any previously undisclosed additional cash assets that can be documented

4. Which of the following information requests from a mortgage loan originator is permissible under Regulation B of the Equal Credit Opportunity Act (ECOA)?

A) Information on an applicant's former spouse who pays no alimony or child support to the applicant
B) Inquiries about an applicant's intentions concerning the bearing and rearing of children
C) Inquiries about an applicant's child support income without informing an applicant of the non- disclosure option
D) Information on the permanent residency or immigration status of an applicant

5. Loan applications must include all of the following information with respect to mortgage loan originators (MLOs) except the:

A) MLO's NMLS unique identifier.
B) Employer's NMLS unique identifier.
C) Return fax number.
D) MLO's name.

Solutions: