SAFE MLO Exam Math Made Easy π
Master mortgage math with this simple guide and pass the SAFE MLO exam confidently. Struggling with numbers? We've got you covered!

Exam Prep - by Birdsy
2.3K views β’ Jul 14, 2025

About this video
π SAFE MLO Exam Math β Made Simple. Master the Numbers and Pass with Confidence.
Struggling with mortgage math? Youβre not alone. This video walks you through the must-know math concepts for the SAFE Mortgage Loan Originator examβstep by step, with clear explanations and real exam-style questions.
π Try Birdsy FREE β AI-powered MLO Exam Prep π
π Visit: https://birdsy.ai
β² 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
β 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-onβand get them right.
π― Perfect for:
β SAFE MLO exam prep
β Reviewing key formulas and problem types
β Building accuracy and speed with practice
With Birdsy AI, you get more than answersβyou get real understanding. We explain each problem in plain language and help you lock in the logic so youβre ready on test day.
π Subscribe for More MLO Exam Prep
β National content + UST topics
β Math, vocabulary, and tricky question reviews
β Personalized study support from Birdsy.ai
π© Have Questions? Contact Us:
Email: hello@birdsy.ai
Visit: https://birdsy.ai
π Trusted Resources:
β Nationwide Multistate Licensing System (NMLS): https://nationwidelicensingsystem.org
β Birdsy.ai: Smarter, AI-powered exam prep built for MLO candidates β https://birdsy.ai
Struggling with mortgage math? Youβre not alone. This video walks you through the must-know math concepts for the SAFE Mortgage Loan Originator examβstep by step, with clear explanations and real exam-style questions.
π Try Birdsy FREE β AI-powered MLO Exam Prep π
π Visit: https://birdsy.ai
β² 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
β 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-onβand get them right.
π― Perfect for:
β SAFE MLO exam prep
β Reviewing key formulas and problem types
β Building accuracy and speed with practice
With Birdsy AI, you get more than answersβyou get real understanding. We explain each problem in plain language and help you lock in the logic so youβre ready on test day.
π Subscribe for More MLO Exam Prep
β National content + UST topics
β Math, vocabulary, and tricky question reviews
β Personalized study support from Birdsy.ai
π© Have Questions? Contact Us:
Email: hello@birdsy.ai
Visit: https://birdsy.ai
π Trusted Resources:
β Nationwide Multistate Licensing System (NMLS): https://nationwidelicensingsystem.org
β Birdsy.ai: Smarter, AI-powered exam prep built for MLO candidates β https://birdsy.ai
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Video Information
Views
2.3K
Likes
60
Duration
35:28
Published
Jul 14, 2025
User Reviews
4.5
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