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NMLS Mortgage Loan Origination (SAFE MLO) : MLO

MLO

考試編碼: MLO

考試名稱: Mortgage Loan Origination (SAFE MLO) Exam

更新時間: 2026-08-30

問題數量: 232 題

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NMLS MLO 考試大綱主題:

章節權重目標
房貸放款作業流程27%- 放款作業流程
  • 1. 申請流程
  • 2. 作業處理與授信審核
  • 3. 財務計算
  • 4. 借款人資格審核
  • 5. 撥款與交割程序
各州統一適用規範內容11%- 各州監理規範內容
  • 1. 各州房貸相關法規
  • 2. SAFE Act
  • 3. 遵循規範標準
  • 4. 執照申領資格要求
房貸專業基礎知識20%- 房貸基本概念
  • 1. 利率與計算方式
  • 2. 合格房貸與非合格房貸
  • 3. 貸款類型
  • 4. 房貸專有名詞
  • 5. 授信審核基礎
聯邦房貸相關法規24%- 聯邦房貸法規
  • 1. Fair Credit Reporting Act (FCRA)
  • 2. Real Estate Settlement Procedures Act (RESPA)
  • 3. 隱私權與消費者保護
  • 4. Truth in Lending Act (TILA)
  • 5. Equal Credit Opportunity Act (ECOA)
職業倫理規範18%- 倫理實務準則
  • 1. 公平放款原則
  • 2. 詐欺防範
  • 3. 專業行為準則
  • 4. 消費者保護

最新的 SAFE MLO MLO 免費考試真題:

問題 #1

Which of the following settlement costs is considered a prepaid item?

A. Closing fee
B. Recording fee
C. Real estate taxes
D. Title insurance


問題 #2

Under the SAFE Act, which of the following individuals is not a "mortgage loan originator"?

A. An individual who negotiates credit terms on behalf of a consumer for compensation
B. An individual who takes a loan application for compensation
C. An individual who quotes interest rates to a consumer for compensation
D. An individual who handles the collection of a mortgage payment from a consumer for compensation


問題 #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. refer the purchase loan to another MLO in their company to obtain a referral fee.
B. take both applications and do one loan "in house" and broker the second loan to another lender.
C. 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.
D. refer the borrower to another lender for the purchase loan so that the MLO is permitted to get a commission on the refinance loan.


問題 #4

When a mortgage loan originator (MLO) receives information from a borrower that indicates potential employment fraud, the MLO should:

A. Take no additional action unless the borrower admits that they submitted false employment information.
B. Report the information to the company's compliance officer.
C. Report the information to another MLO for their opinion.
D. Take no additional action because it is not confirmed.


問題 #5

A person paying or receiving a portion of a fee that has not been earned in connection with the settlement statement is which of the following practices?

A. Third-party fees
B. Actual fees
C. Splitting fees
D. Average fees


問題與答案:

問題 #1
答案: C
問題 #2
答案: D
問題 #3
答案: C
問題 #4
答案: B
問題 #5
答案: C

相關認證
SAFE MLO
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