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

（A）Withholding payment from an appraiser

（B）Asking the appraiser to substantiate a value

（C）Encouraging a target value

（D）Communication directly between the loan officer and the appraiser

（A）"Looking for a VA loan? We are endorsed by and affiliated with the VA administration."

（B）"Close a mortgage loan with us within the next 60 days and when interest rates drop, we will refinance your loan at a lower rate guaranteed."

（C）"Current interest rates as low as 3.50% with an APR of 3.99%. Contact us today!"

（D）"Take out a reverse mortgage loan with us, and you can stay in your home as long as you want and never make a payment."

（A）It provides a three-day cooling-off period for all loans

（B）It ensures that the terms and fees that are quoted at the time of application do not change.

（C）It aids borrowers in understanding the loan transaction process by utilizing readily understandable language.

（D）It allows borrowers five days to review the final amount needed for settlement.

（A）The borrower's attestation that he expects a raise within 30 days

（B）A copy of a check register

（C）An electronic paystub

（D）The income stated on the loan application

（A）The term of the loan

（B）The sales price of the property

（C）The property location

（D）The credit score of the applicants]

（A）the interest rate exceeds the average prime offer (APOR) rate by 1.5 percentage points.

（B）the interest rate exceeds the APOR by 6.5 percentage points.

（C）the borrower's ability to repay is not considered when making the credit decision.

（D）scheduled payments do not reduce the loan's principal balance.

（A）is a mortgage modification.

（B）allows a loan applicant to close on a loan even if all the stipulations have not been met.

（C）allows a borrower to make less than the required payments without going through a full mortgage modification.

（D）is a right to cross or otherwise use someone else's land for a specified purpose.

（A）private mortgage insurance

（B）optional credit life insurance.

（C）force-placed hazard insurance.

（D）government mortgage insurance.

（A）Offering or negotiating credit terms

（B）Assisting a consumer in applying for credit

（C）Taking an application

（D）Performing real estate brokerage activities

（A）Index and interest rate only

（B）Margin, Index and interest rate

（C）Margin and interest rate only

（D）Index and margin only