MLO 無料問題集「NMLS Mortgage Loan Origination (SAFE MLO)」

（A）Any days that employees may access the office to work

（B）Every day except Sunday and legal holidays

（C）Every day from 9 a.m. to 5 p.m.

（D）Any days except Saturdays and Sundays

（A）Occupancy certificate

（B）Quit claim deed

（C）Mortgage instrument

（D）Promissory note

（A）An average of the varying payment amounts over the life of the loan

（B）Fully indexed rate of the loan

（C）Payment amount during the fixed introductory period

（D）The total amount of the payments

（A）Completed at least 10 hours of pre-licensing education

（B）Have never been convicted of a felony in a domestic, foreign or military court

（C）Have not had an MLO license revoked in the last five years

（D）Are covered by either a net worth or surety bond or pay into a state fund as required by the state loan originator's supervisory authority

（A）private mortgage insurance

（B）optional credit life insurance.

（C）force-placed hazard insurance.

（D）government mortgage insurance.

（A）A rate and term refinance loan through the same creditor

（B）A purchase loan secured by a rental home

（C）A refinance loan secured by a vacation home

（D）A cash-out refinance loan on a primary residence

（A）An APR less than the APOR + 1.0%

（B）An APR equal to or less than the average prime offer rate (APOR)

（C）An APR less than the APOR + 2.5%

（D）An APR less than the APOR + 1.5%

（A）the APR and the costs of acquiring and maintaining the HELOC.

（B）if the HELOC is insured by HUD.

（C）if the HELOC requires private mortgage insurance

（D）if the company offering the HELOC has deposit accounts insured by the FDIC.

（A）60 calendar days

（B）15 calendar days

（C）30 calendar days

（D）20 calendar days

（A）Home Mortgage Disclosure Act (HMDA)

（B）Truth in Lending Act (TILA)

（C）Equal Credit Opportunity Act (ECOA)

（D）Real Estate Settlement Procedures Act (RESPA1)