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最新MLO題庫資訊，MLO熱門題庫

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>> 最新MLO題庫資訊 <<

MLO熱門題庫 & MLO熱門證照

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最新的 SAFE MLO MLO 免費考試真題 (Q142-Q147):

問題 #142
Which of the following responses describes the loan-to-value ratio when buying a home?

A. The loan amount divided by the appraised value
B. The loan amount divided by the lesser of the appraised value or the sales price
C. The total loan amount, plus closing costs, divided by the appraised value
D. The total loan amount, plus mortgage insurance, divided by the appraised value

答案：B

解題說明：
The loan-to-value (LTV) ratio is calculated by dividing the loan amount by the lesser of the appraised value or the purchase price of the property. This protects lenders from over-lending on a property that may have a sales price above its actual market value.
"The loan-to-value ratio is calculated by dividing the loan amount by the lesser of the appraised value or sales price."
- Fannie Mae Selling Guide; SAFE MLO National Test Study Guide
References:
Fannie Mae, LTV Ratio Definition

問題 #143
The debt-to-income analysis should assess a borrower's total monthly housing related payments as a percentage of the:

A. loan amount.
B. taxable income.
C. net monthly income
D. gross monthly income.

答案：D

解題說明：
In a debt-to-income (DTI) analysis, the borrower's total monthly housing-related payments (including principal, interest, taxes, insurance, and any homeowner association fees) are assessed as a percentage of their gross monthly income. Lenders use the gross income, which is the borrower's income before taxes and deductions, to determine affordability and creditworthiness.
* Net monthly income (A) and taxable income (C) are not used in standard DTI calculations.
* The loan amount (D) is unrelated to the DTI calculation.
References:
* Fannie Mae and Freddie Mac Guidelines on DTI ratios
* CFPB Guidelines on Ability-to-Repay and DTI

問題 #144
A mortgage company is permitted to verify which of the following information?

A. Religion
B. Childbearing intentions
C. Employment status
D. Sex

答案：C

解題說明：
Lenders are permitted to verify employment status as part of underwriting and evaluating an applicant's ability to repay. However, lenders are prohibited by ECOA and Fair Housing Act from making inquiries about sex, religion, or childbearing intentions.
"A creditor may request information regarding the applicant's employment status, income, and other credit qualifications, but may not inquire about an applicant's sex, religion, or childbearing intentions."
- 12 CFR § 1002.5(b); Regulation B (ECOA)
References:
CFPB, ECOA Inquiries Prohibited
SAFE MLO National Test Study Guide

問題 #145
A mortgage loan originator who informs a prospective borrower that a certain loan interest rate can only be guaranteed if an application is submitted within the next 30 minutes is committing:

A. Discrimination
B. Exaggeration
C. Redlining
D. Coercion

答案：D

解題說明：
Coercion is the act of using force, threats, or pressure to influence another party's actions or decisions.
Imposing arbitrary and unreasonable time limits to force a borrower to act quickly-when such urgency is not legitimate-is considered a form of coercion.
"Coercion includes pressuring consumers to make decisions in haste or under duress, such as requiring immediate action to lock in a loan rate."
- SAFE MLO National Test Study Guide; CFPB Consumer Protection Resources This practice is prohibited and unethical.
References:
SAFE MLO National Test Study Guide
CFPB, Unfair, Deceptive, or Abusive Acts or Practices

問題 #146
Which of the following scenarios is permissible according to the SAFE Act?

A. A third-party underwriter conducts administrative and clerical duties while working under the supervision of a licensed MLO with their organization.
B. An underwriter who is functioning as an independent contractor conducts administrative and clerical duties while working under the supervision of a licensed MLO.
C. An MLO who is not licensed in a subject property's state still originates the loan under the authority of the company's license in that particular state.
D. An unlicensed assistant to a mortgage loan originator (MLO) conducts MLO activities under the authority of the MLO's unique identifier and licenses.

答案：A

解題說明：
Under the SAFE Act, administrative and clerical duties may be performed by an individual (including a third- party underwriter) if performed at the direction and supervision of a licensed MLO. Origination activities must be done only by licensed MLOs, and company or MLO licensing is state-specific.
"Administrative or clerical tasks performed at the direction and subject to the supervision and instruction of a licensed mortgage loan originator do not require licensure."
- SAFE Act, 12 U.S.C. § 5102(4)(C)
References:
SAFE Act, 12 U.S.C. § 5102(4)(C)
NMLS Uniform State Test Content Outline

問題 #147
......

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熱門的最新MLO題庫資訊，由NMLS權威專家撰寫

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