Pass MLO Exam with 100-Question Power Review Part 2

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Birdsy AI is the smartest way to prep for the SAFE Mortgage Loan Originator (MLO) Exam. This is Part 2 of our study series—packed with high-quality practice questions designed to challenge you, deepen your understanding, and help you pass faster.

You’ll get instant exposure to tough exam topics, clear explanations, and the kind of real-time prep support you can only get with Birdsy’s personal AI tutor.

Questions are grouped by topic and move quickly—so pause when needed and test your knowledge along the way. Whether you're reviewing or reinforcing what you learned in Part 1, this video is the perfect way to level up your exam prep.

If you missed Part 1, you can find it here: https://youtu.be/SH2AwRYZ2T4

⏰ MLO Exam Topics Covered in This Video:
Federal Mortgage-Related Laws
0:30 - Truth in Lending Act (TILA)
5:15 - Real Estate Settlement Procedures Act (RESPA)
8:47 - Equal Credit Opportunity Act (ECOA)
10:55 - Home Ownership and Equity Protection Act (HOEPA)
12:18 - Fair Credit Reporting Act (FCRA) and FACTA
14:05 - Other Federal Laws (e.g., HMDA, MAP Rule)

General Mortgage Knowledge
16:31 - Mortgage Loan Products
19:32 - Mortgage Terminology and Concepts
22:07 - Types of Mortgage Instruments
24:39 - Secondary Market and Investor Guidelines
26:25 - Risk Analysis and Underwriting Principles

Loan Origination Activities
28:19 - Loan Application Process
32:15 - Verification and Documentation Requirements
35:24 - Qualifying Borrowers and Calculating Ratios
39:58 - Disclosures and Timing Requirements
44:24 - Closing Process and Funding

Ethics
46:59 - Fraud Prevention and Detection
50:12 - Consumer Protection and Fair Lending
52:58 - Ethical Practices in Mortgage Origination
55:57 - Advertising and Anti-Steering Rules

Uniform State Test (UST) Content
58:38 - Licensing Requirements and Procedures
60:50 - Surety Bonds and Financial Responsibility
63:56 - Recordkeeping and Reporting Requirements
65:52 - Prohibited Conduct and Disciplinary Actions

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✅ SAFE MLO Exam Practice Series
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🌟 Covered in This Video:
✅ Federal Mortgage Laws: Advanced compliance and tricky concepts
✅ Mortgage Loan Products: Scenarios, comparisons, and definitions
✅ Loan Origination: Qualification, documentation, timing
✅ Ethics: Scenarios, misconduct, and how to avoid red flags
✅ UST Content: Uniform regulations every MLO must know

📧 Contact Us
Have questions? Drop them in the comments, visit our site, or email hello@birdsy.ai

👀 Trusted MLO Resources:
✅ NMLS: https://mortgage.nationwidelicensingsystem.org
✅ CSBS: https://csbs.org
✅ Birdsy.ai: https://birdsy.ai

Disclaimer: Birdsy provides educational support for MLO exam preparation. Content accuracy is a priority, but exam requirements may change. No outcome is guaranteed—verify details with the NMLS or your state’s regulator.

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