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MLO受験練習参考書、MLO復習対策

NMLS　MLO認定資格試験の難しさなので、我々サイトMLOであなたに適当する認定資格試験問題集を見つけるし、本当の試験での試験問題の難しさを克服することができます。当社はNMLS　MLO認定試験の最新要求にいつもでも関心を寄せて、最新かつ質高い模擬試験問題集を準備します。また、購入する前に、無料のPDF版デモをダウンロードして信頼性を確認することができます。

NMLS Mortgage Loan Origination (SAFE MLO) Exam 認定 MLO 試験問題 (Q38-Q43):

質問 # 38
During the closing the borrower notices that the interest rate increased from 3.250% to 3.875%. The lender must:

A. postpone the closing, re-disclose and wait three business days.
B. close the loan, then re-disclose after the loan funds.
C. postpone the closing, re-disclose and wait three days.
D. tell the borrower to close the loan.

正解：A

解説：
Under the TILA-RESPA Integrated Disclosure (TRID) rules, any significant change to the Annual Percentage Rate (APR) beyond the allowed tolerance before closing requires the lender to provide a revised Closing Disclosure (CD). If the APR increases by more than 0.125% for fixed-rate loans, the lender must re- disclose the CD and provide the borrower with at least three business days to review the updated terms before consummation (closing).
* In this case, the interest rate increase from 3.250% to 3.875% is a significant change that impacts the APR, triggering the need for re-disclosure and the mandatory three-business-day waiting period.
* The lender must postpone the closing until the new three-day waiting period passes to ensure compliance with TRID regulations.
References:
* TILA-RESPA Integrated Disclosure Rule (TRID), 12 CFR §1026.19(f)
* CFPB TRID Guidelines

質問 # 39
Which of the following sources of funds is acceptable to utilize for down payments, closing costs or financial reserves?

A. Virtual currency funds
B. Community second funds
C. Personal unsecured loans
D. Foreign assets located outside of the U.S. or its territories

正解：B

解説：
Community second funds are an acceptable source of funds for down payments, closing costs, or financial reserves. These are subordinate loans provided by housing finance agencies, nonprofits, or government entities to help borrowers meet the required down payment or closing costs. These funds are often offered to low-to-moderate income borrowers or first-time homebuyers as part of affordable housing programs.
* Virtual currency (A), such as Bitcoin, is not an acceptable source due to its volatility and challenges in verifying its stability.
* Personal unsecured loans (C) are generally not allowed, as they increase the borrower's debt and reduce their financial stability.
* Foreign assets outside of the U.S. (D) are not typically acceptable unless they can be easily liquidated and transferred to the U.S.
References:
* Fannie Mae Selling Guide on acceptable sources of funds
* Freddie Mac Guidelines for down payment and closing costs

質問 # 40
Which of the following factors is considered when determining the interest rate for a subprime mortgage?

A. The sales price of the property
B. The property location
C. The credit score of the applicants]
D. The term of the loan

正解：C

解説：
For subprime mortgages, the credit score of the applicants is a primary factor in determining the interest rate. Subprime loans are designed for borrowers with lower credit scores, typically below 620, and are offered at higher interest rates due to the increased risk of default.
* Factors like the loan term (A), property location (B), and sales price (C) may influence other aspects of the loan, but the credit score is the key factor that determines whether a borrower qualifies for a subprime mortgage and the corresponding interest rate.
References:
* Fannie Mae and Freddie Mac Subprime Lending Guidelines
* CFPB Subprime Mortgage Standards

質問 # 41
In a federally related mortgage loan transaction, a charge for a settlement service by a person for which no services or nominal services are performed is prohibited:

A. unless it is paid by the seller or the seller's real estate agent.
B. only if it is paid by the borrower's real estate agent.
C. regardless of the sources of payment.
D. unless it is paid by the mortgage loan originator on the borrower's behalf.

正解：C

解説：
Under RESPA (Real Estate Settlement Procedures Act), it is illegal to charge a fee for a settlement service if no services or only nominal services are performed. This is true regardless of who pays the fee, whether it's the borrower, seller, real estate agent, or any other party. RESPA prohibits unearned fees, kickbacks, or payments for referrals in federally related mortgage transactions.
* Even if someone other than the borrower pays, the charge is still illegal if it is not justified by actual services performed.
References:
* RESPA Section 8 - Prohibition on kickbacks and unearned fees
* CFPB RESPA Guidelines

質問 # 42
According to Federal Reserve Regulation Z, which of the following fees is a finance charge in a residential mortgage transaction?

A. Interest
B. Notary
C. Credit report
D. Title Insurance

正解：A

解説：
Under Federal Reserve Regulation Z, which implements the Truth in Lending Act (TILA), interest is classified as a finance charge because it represents the cost of borrowing the funds over the life of the loan.
Finance charges include any fee that a borrower pays as a condition of obtaining the loan, such as interest, points, and certain fees.
* Notary fees (A), credit report fees (C), and title insurance (D) are not considered finance charges because they are third-party fees not directly related to the cost of borrowing.
References:
* Truth in Lending Act (TILA), 12 CFR §1026.4
* CFPB Regulation Z Guidelines

質問 # 43
......

学習者の学習条件はさまざまであり、多くの場合、MLO学習問題を学習するためにインターネットにアクセスできない場合があります。学習者が自宅や会社を離れる場合、インターネットにリンクしてMLOテストpdfを学習することはできません。しかし、あなたはオフラインで学ぶことができる私たちのAPPオンライン版を使用しています。初めてオンラインになる環境でMLO学習質問を使用する場合のみ、後でオフラインで使用できます。したがって、MLO試験の練習教材をどこでも心配する必要がないため、すべての学習者にとって非常に便利です。

MLO受験練習参考書: https://www.xhs1991.com/MLO.html

NMLS MLOオンライン試験あなたはまだあなたの仕事にうまく対処する能力を持っていますか、彼らはしばしば、業界に参入するための足がかりとして専門的なMLO資格試験を受けます、使用プロセスにおいて、NMLSのMLO学習資料に問題がある場合は、24時間オンラインサービスを提供します、どのバージョンを選択すべきか迷っている場合は、まずMLO無料デモをダウンロードして、決定する前に直接体験してください、NMLS MLOオンライン試験我々の問題集を利用して試験に合格することができます、良い事―弊社のMLO問題集ガイド資料をあなたにお勧めします。

そんな反応は慣れているのだろう、時計を見ると深夜もとっくに回っていた、あなたはまだあなたの仕事にうまく対処する能力を持っていますか、彼らはしばしば、業界に参入するための足がかりとして専門的なMLO資格試験を受けます。

MLO試験の準備方法｜更新するMLOオンライン試験試験｜真実的なMortgage Loan Origination (SAFE MLO) Exam受験練習参考書

使用プロセスにおいて、NMLSのMLO学習資料に問題がある場合は、24時間オンラインサービスを提供します、どのバージョンを選択すべきか迷っている場合は、まずMLO無料デモをダウンロードして、決定する前に直接体験してください。

我々の問題集を利用して試験に合格することができます。

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MLOオンライン試験 & MLO受験練習参考書

MLO受験練習参考書、MLO復習対策

NMLS Mortgage Loan Origination (SAFE MLO) Exam 認定 MLO 試験問題 (Q38-Q43):

MLO試験の準備方法｜更新するMLOオンライン試験試験｜真実的なMortgage Loan Origination (SAFE MLO) Exam受験練習参考書

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