Pass the SAFE MLO Exam: 55 Essential Math Questions 📊

*Master the calculations needed to pass the SAFE MLO Exam on your first attempt!* This is the most comprehensive math prep available for the NMLS license, covering all 55 must-know loan calculations, including DTI, LTV, Amortization, and more.

*Start mastering your MLO exam the smart way:* https://birdsy.ai/mortgage

In this video, you’ll work through the most commonly tested SAFE MLO loan math calculations—step by step—so you can solve them quickly and accurately on exam day. You’ll learn how to compute interest, monthly payments, risk metrics, disclosure costs, and more while building the math speed and intuition the MLO exam demands. Birdsy is your personal, AI-assisted study partner—ready to answer questions, provide real-world examples, memory tools, and explanations that fit your learning style.

*👥 Who Is This Video For?*
✓ Future Mortgage Loan Originators preparing for the SAFE MLO National Exam
✓ Anyone struggling with MLO math, including amortization, APR, DTI, LTV, and closing cost calculations
✓ Students who want realistic, exam-style loan calculation practice
✓ Career-switchers entering the mortgage industry who need a clear, step-by-step math refresher
✓ Anyone using Birdsy or looking for a smarter, AI-assisted way to master MLO exam concepts

⏱️ *Timestamps*
00:00 - PASS the SAFE MLO Exam! 55 MUST-KNOW Loan Math Introduction
00:11 - Simple Interest & Loan Fundamentals: 3 Math Formulas You Need
04:23 - Amortization & Monthly Payment Calculation: The Exam Shortcut
10:39 - ARM Math: Calculating Rate Adjustments & Lifetime Caps
13:18 - DTI Ratio: The Toughest Qualification Math Questions
18:02 - LTV, CLTV, HCLTV: Mastering All Three Calculation Types
22:35 - Calculating Borrower Income & Gross-Up Rules: A Step-by-Step Guide
25:40 - APR & Finance Charge: Most Missed Disclosure Calculations
30:02 - Discount Points & Lender Fees: Quick Cost Calculation

📘 *Topics Covered* (This training is specifically for the NMLS SAFE MLO Exam math portion.)
✓ How to calculate simple interest, per diem interest, and daily rate formulas
✓ How to compute amortized payments and determine remaining principal balance
✓ How to analyze ARM adjustments, index + margin, and payment resets
✓ How to calculate DTI ratios for qualifying borrowers
✓ How to compute LTV, CLTV, and HCLTV for conventional and FHA scenarios
✓ How to gross-up non-taxable income and calculate monthly qualifying income
✓ How to determine APR, finance charges, and TILA-required disclosures
✓ How to calculate discount points, origination fees, and lender charges
✓ How to compute escrow deposits, prepaid items, and closing cost totals

👇 *Try Birdsy FREE – Built for MLO Exam Success*
🌐 https://birdsy.ai/mortgage

🔗 *Helpful Links*
🌐 Birdsy MLO Prep: https://birdsy.ai/mortgage
🌐 NMLS Resource Center (SAFE Act & Test Details)
🌐 CFPB (Official TILA/RESPA Guidance)

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*About Birdsy*
Birdsy is your personal, AI-assisted study partner. Unlike static practice tests, Birdsy helps you learn the way you prefer—whether that’s structured and serious or fun and focused. Ask Birdsy questions, get real-life examples, or use memory tools to strengthen your understanding. It’s like having a tutor for your certification prep, available anytime.

⚠️ This video is for educational use only. Licensing requirements and exam content may vary by state or region. Verify all details with your licensing agency or official exam provider. Birdsy cannot guarantee outcomes and assumes no liability for exam performance.

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