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NMLS EXAMS AND STUDY QUESTIONS ARE HERE, ALL ANSWERED CORRECTLY

AZ NMLS Test Questions and Answers Already Passed NMLS SAFE EXAM 2023 ALREADY PASSED NMLS Test Outline Questions and Answers Already Passed NMLS Laws and Regulations Latest Updated 2023 Rated A California State NMLS Practice Test Graded A+ NMLS QUESTIONS AND ANSWERS ALREADY PASSED NMLS QUESTIONS ...

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NMLS SAFE EXAM 2022 ALREADY PASSED

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NMLS SAFE EXAM 2022 ALREADY PASSED What does TILA stand for? Truth-In-Lending Act, Regulation Z What is a HELOC loan? a secured loan in that you are borrowing against the equity that has been built in your house What is a REFI loan? LTV stands for Loan to Value Define PMI and state what the acr...

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AZ NMLS Test Questions and Answers Already Passed

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AZ NMLS Test Questions and Answers Already Passed Arizona Department of Financial Institutions regulates: brokers bankers escrow officers motor vehicle dealers Etc. AZDFI checks financial instutions every... 5 years The superintendent is the _____, is appointed by _____ and serves for a term of __...

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NMLS Test Outline Questions and Answers Already Passed

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NMLS Test Outline Questions and Answers Already Passed RESPA disclosures? due dates? 3 days after application: Home loan tool kit Loan estimate List of HUD counselors Mortgage Servicing Disclosure Statement Know before you owe booklet Special Info Booklet 3 days before consummation: Initial Closi...

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NMLS QUESTIONS AND ANSWERS ALREADY PASSED

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NMLS QUESTIONS AND ANSWERS ALREADY PASSED Qualified mortgages do not include risky features. What are they? Permanent There are four categories of Qualified Mortgages. The following is not included. No negative amortization, No interest only, no loan terms over 30 years and a limit on points and fe...

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NMLS SAFE EXAM QUESTIONS AND ANSWERS ALREADY PASSED

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NMLS SAFE EXAM QUESTIONS AND ANSWERS ALREADY PASSED Primary Mortgage Market Where credit institutions originate loans C. The maximum the rate can increase over the life of the loan When an ARM has rate caps of 5/2/6, the 6 refers to what? A. The maximum rate increase at the initial adjustment B. ...

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NMLS SAFE EXAM QUESTIONS AND ANSWERS ALREADY PASSED

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NMLS SAFE EXAM QUESTIONS AND ANSWERS ALREADY PASSED Primary Mortgage Market Where credit institutions originate loans C. The maximum the rate can increase over the life of the loan When an ARM has rate caps of 5/2/6, the 6 refers to what? A. The maximum rate increase at the initial adjustment ...

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NMLS Questions and Answers Latest Updated 2023 Graded A

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Acceleration Clause Allows lenders to demand payment in full if the borrower defaults on the loan (can be construed as predatory lending) Alienation Clause (Due on Sale Clause) Says you must repay your mortgage if you sell your home to a new owner (loan is not assumable) Appraiser Independance...

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NMLS Practice Test Hard Questions with Complete Solutions

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NMLS Practice Test Hard Questions with Complete Solutions A discount point is BEST described as a charge the borrower pays to: A.) A lender to decrease the interest rate on the mortgage loan B.) A mortgage broker at the time of application to obtain a favorable rate C.) The seller as part of t...

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NMLS EXAM 2023 QUESTIONS AND ANSWERS 100% CORRECT

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Fraud for money Laundering -Criminal uses scheme known as value tampering -Criminal offers to buy house at reduced rate -Seller must sell at appraised value on paper, but after closing, seller give the criminal the difference in cash. Adverse Action An unfavorable credit decision rendered again...

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NMLS License TEST Questions and Answers Rated A

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NMLS License TEST Questions and Answers Rated A The practice of getting people to sell their homes at bargain prices by suggesting that certain ethnic groups are going to move into the area is nicknamed: 1. Price fixing 2. Redlining 3. Steering 4. Blockbusting 4. Blockbusting You and the b...

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NMLS Practice Test Questions and Answers Rated A

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NMLS Practice Test Questions and Answers Rated A 1) Seller can Sell property at a premium/profit with Fannie Mae financing after? 30 days •60 days •90 days •90 days 2) A COFI index is defined as? Cost of funds index •Cost of financial index •Cost of funding insurance cost of fun...

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NMLS QUESTIONS AND ANSWERS ALREADY PASSED

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NMLS QUESTIONS AND ANSWERS ALREADY PASSED Qualified mortgages do not include risky features. What are they? Permanent There are four categories of Qualified Mortgages. The following is not included. No negative amortization, No interest only, no loan terms over 30 years and a limit on points a...

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California State NMLS Practice Test Graded A+

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California State NMLS Practice Test Graded A+ "Federal banking agencies" include: Answers A. The Director of the Office of Thrift Supervision, the Board of Governors of the Federal Reserve System, and FDIC B. Fannie Mae and Freddie Mac C. The Comptroller of the Currency and the National C...

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NMLS Laws and Regulations Latest Updated 2023 Rated A

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CFPB Consumer Financial Protection Bureau What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA FTC Federal Trade Commission What does the FTC do? Monitors Red Flag Rules RESPA Real Estate Settlement Procedures Act What does RESPA do? •Protects homeowners of Single, 1-4 family dwelling...

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NMLS Test Outline Questions and Answers Already Passed

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NMLS Test Outline Questions and Answers Already Passed RESPA disclosures? due dates? 3 days after application: Home loan tool kit Loan estimate List of HUD counselors Mortgage Servicing Disclosure Statement Know before you owe booklet Special Info Booklet 3 days before consummation: Ini...

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NMLS SAFE EXAM 2023 ALREADY PASSED

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$9.99

What does TILA stand for? Truth-In-Lending Act, Regulation Z What is a HELOC loan? a secured loan in that you are borrowing against the equity that has been built in your house What is a REFI loan? LTV stands for Loan to Value Define PMI and state what the acronym stands for. Private mortgage...

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AZ NMLS Test Questions and Answers Already Passed

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AZ NMLS Test Questions and Answers Already Passed Arizona Department of Financial Institutions regulates: brokers bankers escrow officers motor vehicle dealers Etc. AZDFI checks financial instutions every... 5 years The superintendent is the _____, is appointed by _____ and serves for a ter...

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