Nmls respa - Study guides, Class notes & Summaries
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MLO SAFE NMLS SAFE EXAM 2024 WITH 100% CORRECT ANSWERS
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MLO SAFE NMLS SAFE EXAM 2024 WITH 100% CORRECT ANSWERS 
 
 
Taking advantage of ill-informed consumers through excessively high fees, misrepresented loan terms, frequent refinancing that does not benefit the borrower and other prohibited acts is called __________________________. - correct answer Predatory Lending. 
 
RESPA-Real Estate Settlement Procedures Act - correct answer The Federal Statute that deals with the settlement of residential mortgage loans. 
 
RESPA's section 9 Prohibits - cor...
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NMLS Test Outline Final Practice Questions 2024.
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NMLS Test Outline Final Practice Questions 2024. 
RESPA disclosures? 
due dates? - correct answer 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 Closing Disclosure 
AfBA disclosure 
 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
 
After closing: 
Annual Escrow Statement 
Servicin...
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NMLS Test Outline Questions with correct Answers 2024
- Exam (elaborations) • 28 pages • 2024
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NMLS Test Outline Questions with correct Answers 2024 
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 Closing Disclosure 
AfBA disclosure 
 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
 
After closing: 
Annual Escrow Statement 
Servicing Transfer S...
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NMLS Exam Questions and answers, VERIFIED// LATEST UPDATE [ EXAM PREDICTION QUIZZES]
- Exam (elaborations) • 21 pages • 2024
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NMLS Exam Questions and answers, 
VERIFIED/ 
RESPA ( Real Estate Settlement Procedure Act) 
Also know as Reg X - -- Allows borrowers to receive pertinent & timely disclosure for the nature and 
cost of real estate settlement process. 
- Protects consumer abusive practices such as Kick backs & places limitation on reserve accounts 
RESPA Prophibits Kickback or unearned fees 
RESPA is applicable to ? - -One to four unit residential properties 
RESPA is not applicable to ? - -- Commerical prope...
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NMLS Test Outline Questions and Answers Already Passed
- Exam (elaborations) • 41 pages • 2023
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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 Closing Disclosure 
AfBA disclosure 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
After closing: 
Annual Escrow Statement 
Servicing Transfer Stat...
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NMLS 2024 Exam Questions with Correct Answers
- Exam (elaborations) • 16 pages • 2024
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NMLS 2024 Exam Questions with Correct Answers 
 
What law deals with credit, APR & advertising of consumer loans? - Answer-TILA/REGULATION Z 
 
Which regulation prohibits kickbacks? - Answer-RESPA 
 
Which regulations requires the lender to cancel PMI when the loan reaches 78% LTV? - Answer-HPA - Homeowners Protection Act 
 
Which regulation prohibits fee splitting? - Answer-RESPA 
 
Regulation X is the letter used to describe which Law? - Answer-RESPA 
 
RESPA is the acronym used to describe w...
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NMLS TEST-Affinity Study Practice Questions 2024.
- Exam (elaborations) • 25 pages • 2024
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NMLS TEST-Affinity Study Practice Questions 2024.What law deals with credit, APR & Advertising of consumer loans? - correct answer TILA 
 
Which regulation prohibits kickbacks? - correct answer RESPA 
 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - correct answer HPA-Homeowners Protection Act 
 
Which Regulation prohibits fee splitting? - correct answer RESPA 
 
Regulation X is the letter used to describe which law? - correct answer RESPA 
 
RESPA is the acr...
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NMLS Test Outline Questions and Answers Already Passed
- Exam (elaborations) • 41 pages • 2022
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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 Closing Disclosure 
AfBA disclosure 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
After closing: 
Annual Escrow Statement 
Servicing Transfer Statement (sen...
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MORTGAGE LOAN ORIGINATOR EXAM 2024 WITH 100% CORRECT ANSWERS
- Exam (elaborations) • 7 pages • 2024
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MORTGAGE LOAN ORIGINATOR EXAM 2024 WITH 100% CORRECT ANSWERS 
 
What does RESPA stand for? - correct answer The Real Estate Settlement Procedures Act (Regulation X) 
 
What does ECOA stand for? - correct answer Equal Credit Opportunity Act (Regulation B) 
 
What does TILA stand for? - correct answer Truth In Lending Act (Regulation Z) 
 
What does TRID stand for? - correct answer TILA-RESPA Integrated Disclosure Rule (a.k.a. "Know Before You Owe") 
 
What does CFPB stand for? - correct answer ...
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Mortgage Loan Originator Test | 100% Correct Answers | Verified | Latest 2024 Version
- Exam (elaborations) • 7 pages • 2024
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What does RESPA stand for? - The Real Estate Settlement Procedures Act (Regulation X) 
What does ECOA stand for? - Equal Credit Opportunity Act (Regulation B) 
What does TILA stand for? - Truth In Lending Act (Regulation Z) 
What does TRID stand for? - TILA-RESPA Integrated Disclosure Rule (a.k.a. "Know Before You Owe") 
What does CFPB stand for? - Consumer Financial Protection Bureau 
What does NMLS stand for? - Nationwide Mortgage Licensing System and Registry 
What is SAFE and UST? - Secure...
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