Pass Your SAFE MLO Exam with 115 Key Questions ✅

Ready to pass your NMLS Exam? This Complete SAFE MLO Exam Review tackles 115 Must-Know Questions, guiding you through every major topic tested on the national mortgage loan originator (MLO) exam. From federal mortgage laws and disclosures to loan origination, ethics, and state-specific content, this session is perfect for first-time test takers or those retaking the exam. Master what you need to pass with confidence!

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⏱️ Timestamps
00:00 - PASS Your SAFE MLO Exam | 115 NMLS Questions Introduction
00:12 - RESPA: Real Estate Settlement Procedures Act Exam Questions
03:39 - TILA & Regulation Z: Truth in Lending Act Exam Traps
07:26 - HOEPA: Home Ownership and Equity Protection Act Essentials
11:04 - ECOA: Equal Credit Opportunity Act & Adverse Action Rules
13:46 - FCRA & FACTA: Credit Reporting and Consumer Protection Laws
18:00 - HMDA: Home Mortgage Disclosure Act Compliance
20:38 - SAFE Act & Other Federal Laws (Privacy, Do Not Call, Patriot Act)
23:50 - Loan Products: Conventional, FHA, VA, and USDA Highlights
26:13 - Loan Terms & Features: Fixed vs. Adjustable-Rate Mortgages
29:11 - Primary and Secondary Mortgage Markets Exam Focus
31:40 - Mortgage Loan Servicing & Payment Structure Questions
34:12 - QM & ATR: Qualified Mortgage and Ability-to-Repay Standards
36:55 - Application Process: URLA and Document Requirements
39:46 - Processing & Underwriting: The 5 C's of Credit
42:50 - Appraisals & Valuation Practices You Must Know
45:21 - Closing & Settlement Process Critical Steps
48:19 - Loan Cost Calculations: APR, Finance Charges, & Points
51:48 - Escrow Accounts & Servicing Requirements
53:52 - Adjustable-Rate Mortgages (ARM) and Required Disclosures
55:51 - Ethics: Fraud Prevention and Red Flags
59:03 - Fair Lending Practices and Consumer Protection Ethics
01:01:35 - Advertising & Communication Ethics for MLOs
01:04:24 - Ethical Responsibilities of Mortgage Loan Originators
01:07:11 - Prohibited Conduct and Conflicts of Interest
01:10:07 - Uniform State Content: SAFE Act Provisions & NMLS Licensing
01:13:06 - State Regulatory Authority and Enforcement Powers
01:16:00 - State Law and Regulation Variations to Memorize
01:18:15 - Reporting, Renewal, and Continuing Education Rules

📘 Topics Covered
✓ Federal mortgage-related laws (RESPA, TILA, ECOA, FCRA, HMDA)
✓ Loan products and mortgage market structure
✓ Qualified Mortgage (QM) and Ability-to-Repay (ATR) standards
✓ Loan origination, underwriting, and closing process
✓ Disclosure calculations (APR, finance charges, points)
✓ Mortgage ethics, fraud prevention, and fair lending
✓ SAFE Act, NMLS licensing, and state law requirements

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🔗 Helpful Resources
🌐 Birdsy SAFE MLO Exam Prep → https://birdsy.ai/mlo
🌐 Nationwide Multistate Licensing System (NMLS) → https://mortgage.nationwidelicensingsystem.org
🌐 Consumer Financial Protection Bureau (CFPB) → https://www.consumerfinance.gov

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🧠 About Birdsy
Birdsy (from Exam Prep - by Birdsy) is your personal, AI-assisted study partner. Unlike static practice tests, Birdsy adapts to how you learn—through interactive questions, real examples, and memory-boosting tools. Whether you’re preparing for your MLO, Real Estate, or Insurance exam, Birdsy helps you study smarter and retain more.
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⚠️ 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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