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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Mortgage Knowledge | 20% | - LTV, DTI, CLTV, PMI, points and fees - Conventional, FHA, VA, USDA loan characteristics - Fixed-rate vs adjustable-rate mortgages - Mortgage terms, concepts and calculations |
| Topic 2: Federal Mortgage-Related Laws | 24% | - Fair lending and consumer protection rules - TILA, RESPA, ECOA, HMDA, FCRA - Disclosure requirements and timing - SAFE Act and federal regulatory framework |
| Topic 3: Ethics | 18% | - Fraud prevention and detection - Fair lending and anti-discrimination - Conflict of interest and disclosure obligations - Ethical practices and professional conduct |
| Topic 4: Mortgage Loan Origination Activities | 27% | - Loan programs and product types - Closing and post-closing procedures - Loan application process - Borrower qualification and underwriting basics |
| Topic 5: Uniform State Content | 11% | - License maintenance and renewal - State licensing and regulatory requirements - Compliance and disciplinary standards |
1. A mortgage loan originator (MLO) received a salary of 1% per loan plus a bonus of $5,000 for closing the most loans in the office last year. In addition, he received a trip to Hawaii based on closing 100 or more transactions with an interest rate of 5% or higher. Is the MLO's compensation prohibited?
A) His compensation is not permitted as compensation only includes salary and his salary is based on loan terms.
B) His compensation is permitted as compensation only includes salary and his salary is not based on loan terms.
C) His compensation is not permitted as compensation includes all financial incentives and his trip was awarded based on closing the most loans with certain loan terms.
D) His compensation is permitted as compensation only includes salary and bonuses and his salary and bonus is not based on loan terms.
2. Which of the following fees is a finance charge?
A) Title insurance
B) Discount points
C) Pest inspection fees
D) Appraisal fees
3. A mortgage loan originator (MLO) takes an application for a borrower who is obtaining an owner-occupied maximum amount refinance loan. The borrower also asks for a loan application for a new house that they are purchasing that will not be finished until 60 days after the refinance loan closes. Although the MLO advises the borrower that the terms of the refinance loan require that they occupy the property for 12 months, the borrower says that the new purchase loan will not close until after the refinance loan has closed. The MLO must:
A) advise the borrower that the MLO can do the refinance loan as a non-owner-occupied loan and the purchase loan as an owner-occupied loan.
B) refer the borrower to another lender for the purchase loan so that the MLO is permitted to get a commission on the refinance loan.
C) refer the purchase loan to another MLO in their company to obtain a referral fee.
D) take both applications and do one loan "in house" and broker the second loan to another lender.
4. When there is no tax return history for a rental property, the Federal Housing Administration (FHA) requires gross rental income to be documented and reduced by what percentage?
A) 10%
B) 25%
C) 20%
D) 15%
5. When does the Loan Estimate expire?
A) After the 5th business day
B) After the 3rd business day
C) After the 7th business day
D) After the 10th business day
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: B | Question # 3 Answer: A | Question # 4 Answer: B | Question # 5 Answer: D |
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