Nmls tila Study guides, Class notes & Summaries
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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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NMLS PRACTICE QUESTIONS AND ANSWERS 100% ACCURATE
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NMLS PRACTICE QUESTIONS AND ANSWERS 100% ACCURATE 
 
 
NMLS PRACTICE QUESTIONS AND ANSWERS 100% ACCURATE 
 
 
NMLS PRACTICE QUESTIONS AND ANSWERS 100% ACCURATE 
 
 
NMLS PRACTICE QUESTIONS AND ANSWERS 100% ACCURATE 
 
which federal agency administers Regulation B implementing ECOA, Rgulation C implementig HMDA and Regulation Z implementing TILA? - ANSWER-FEDERAL RESERVE SYSTEM 
 
the clause in a mortgage that allows the lender to foreclose if the borrower defaults is the - ANSWER-Acceleration Cl...
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NMLS SAFE EXAM 2023-2024 WITH COMPLETE SOLUTIONS
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NMLS SAFE EXAM WITH COMPLETE SOLUTIONS 
 
NMLS SAFE EXAM WITH COMPLETE SOLUTIONS 
 
NMLS SAFE EXAM WITH COMPLETE SOLUTIONS 
 
What does TILA stand for? - ANSWER-Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan? - ANSWER-a secured loan in that you are borrowing against the equity that has been built in your house 
 
What is a REFI loan? - ANSWER- 
 
LTV stands for - ANSWER-Loan to Value 
 
Define PMI and state what the acronym stands for. - ANSWER-Private mortgage insurance- on conve...
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NMLS TEST-Affinity Questions and Answers 100% Correct
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NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
NMLS TEST-Affinity Questions and Answers 100% Correct 
 
 
What law deals with credit, APR & Advertising of consumer loans? - ANSWER-TILA 
 
Which regulation prohibits kickbacks? - ANSWER-RESPA 
 
Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - ANSWER-HPA-Homeowners Protection Act 
 
Wh...
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NMLS Practice Questions with Correct Answers
- Exam (elaborations) • 21 pages • 2024
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NMLS Practice Questions with Correct Answers 
 
A borrower has gone to settlement for a cash-out refinance on Tuesday for his principal residence. His rescission period is over at midnight on Friday. According to the provisions specified under federal law, what is the first possible day the loan could fund? - Answer-Saturday 
 
The amount of the down payment, the amount of the finance charge, or the number of payments needed are all examples of _______________ under TILA. - Answer-Trigger Terms...
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NMLS Safe Test Mortgage Licensing Practice Exam Q's (from 2019 NMLS 20 Hour Safe Exam for Loan Originator) with Complete Solutions
- Exam (elaborations) • 29 pages • 2023
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NMLS Safe Test Mortgage Licensing Practice Exam Q's (from 2019 NMLS 20 Hour Safe Exam for Loan Originator) with Complete SolutionsNMLS Safe Test Mortgage Licensing Practice Exam Q's (from 2019 NMLS 20 Hour Safe Exam for Loan Originator) with Complete SolutionsNMLS Safe Test Mortgage Licensing Practice Exam Q's (from 2019 NMLS 20 Hour Safe Exam for Loan Originator) with Complete SolutionsWhich federal law requires that the Loan Estimate be provided to the borrower within three business days of...
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Mortgage Loan Originator Test | 100% Correct Answers | Verified | Latest 2024 Version
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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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MORTGAGE LOAN ORIGINATOR EXAM 2024 WITH 100% CORRECT ANSWERS
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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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Loan Officer – NMLS Questions and Answers Graded A+
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Loan Officer – NMLS Questions and 
Answers Graded A+ 
ECOA - REG B Equal Credit Opportunities Act 
If App for Cedit is Denied based on Appraisal, Borrower has 90 days to request a copy then Lender 
has 30 days to deliver 
HMDA - REG C Home Mortgage Disclosure Act 
Found in: 
Section 10 of 10-03 Loan App 
Government Monitoring Section 
Eliminates / Identifies Possible Discrimination 
RESPA - REG X Real Estate Settlement Procedures Act 
TIL/TILA - REG Z Truth in Lending Act (2015) 
Deals with:...
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NMLS Exam Questions with All Correct Answers
- Exam (elaborations) • 41 pages • 2024
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NMLS Exam Questions with All Correct Answers 
Requirement 2 of Safeguard Rule (IARCIEECR) - Answer-Identify and access the risks to customer information as well as evaluate the effectiveness of controlling the risks. 
 
EXPA (RESPA) - Answer-Applies to federally related mortgage loans 
Funds insured by the government 
Funds from a lender REGULATED by the government 
Intended for sale to Fannie or Freddie 
Made by a creditor regulated under TILA 
 
RESPA - Answer-Real Estate Settlement Proced...