SAFE MLO Exam Math Made Easy 📊

📊 SAFE MLO Exam Math — Made Simple. Master the Numbers and Pass with Confidence.

Struggling with mortgage math? You’re not alone. This video walks you through the must-know math concepts for the SAFE Mortgage Loan Originator exam—step by step, with clear explanations and real exam-style questions.

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⏲ Find What You Need!
Mortgage Math Essentials
0:37 - Basic Math and Financial Calculations
5:03 - Converting Interest Rates and Terms
8:42 - Loan-to-Value (LTV), Combined LTV (CLTV), and High LTV Calculations
12:07 - Debt-to-Income (DTI) Ratios

Loan Origination and Qualification Math
15:41 - Qualifying Income (Hourly, Salaried, Commission-Based)
18:40 - Housing Expense and Total Obligation Ratios
22:05 - Down Payment and Cash-to-Close Calculations

Loan Estimates and Disclosure-Related Math
25:41 - APR (Annual Percentage Rate) Estimates
28:59 - Finance Charges and Prepaid Costs
32:03 - Aggregate Escrow and Prepaid Interest

✅ In This Video, You'll Practice:
Loan amount, interest, and monthly payment calculations
Loan-to-value (LTV) ratio
Discount points and buydowns
Qualifying ratios (front-end and back-end DTI)
Origination fees, closing costs, and prepaid items
Amortization basics and common formulas
APR vs. note rate

Whether math is your strength or your weakness, this video gives you the confidence and clarity to face the numbers head-on—and get them right.

🎯 Perfect for:
✅ SAFE MLO exam prep
✅ Reviewing key formulas and problem types
✅ Building accuracy and speed with practice

With Birdsy AI, you get more than answers—you get real understanding. We explain each problem in plain language and help you lock in the logic so you’re ready on test day.

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📚 Trusted Resources:
✅ Nationwide Multistate Licensing System (NMLS): https://nationwidelicensingsystem.org
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