NMLS Mortgage Loan Origination (SAFE MLO) 認定 MLO 試験問題:

1. Which of the following practices is a prudent and reasonable cybersecurity precaution regarding laptop computers?

A) A laptop should never be taken out of the office.
B) A laptop should be shared by no more than five people.
C) A laptop should automatically shut down and require a new login if not used for a period of time.
D) Passwords should only be shared with a direct supervisor.

2. How many days before consummation must a borrower receive a revised Loan Estimate?

A) 10 business days
B) 4 business days
C) 5 business days
D) 7 business days

3. The TILA-RESPA Integrated Disclosure rule (TRID) applies to most closed-end consumer credit transactions secured by real property, which includes:

A) refinance of a condominium property.
B) loans secured by a mobile home on a leased lot.
C) reverse mortgages.B home equity lines of credit (HELOCs;

4. An interest-only mortgage is a mortgage with scheduled payments that require the consumer to have:

A) Adjustable payments every month based on an adjustable interest rate.
B) Payments of interest for a specified amount of time.
C) Monthly payments for a specified amount of time that then roll over to principal-only payments because the interest has already been paid.
D) Fixed payments every month, but the interest rate adjusts monthly.

5. Which of the following must be included on all residential mortgage loan application forms?

A) A borrower's driver's license number
B) A mortgage loan originator's unique identifier
C) The maiden name of the borrower's mother
D) The borrower's previous five year employment history

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