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MLO題庫更新 - MLO試題

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VCESoft的MLO考古題和實際的認證考試一樣，不僅包含了實際考試中的所有問題，而且考古題的軟體版完全類比了真實考試的氛圍。使用了VCESoft的考古題，你在參加考試時完全可以應付自如，輕鬆地獲得高分。

VCESoft 就是一個可以滿足很多參加 NMLS 的 MLO 認證考試的IT人士的需求的網站，但是要想通過 MLO 考試還需要大家認真理解。即使是NMLS 的 MLO 擬真試題和真實考試中的差不多，建議大家考試的時候，還是要把題看清楚，不能完全按照 MLO 擬真試題中的命令去做。要靈活運用，積極思考，不能死搬硬套。通過這個考試是需要豐富的知識和經驗的，而積累豐富的知識和經驗是需要時間的。

>> MLO題庫更新 <<

MLO試題 - 新版MLO題庫

VCESoft NMLS的MLO的考題資料物美價廉，我們用超低的價格和高品質的擬真試題和答案來奉獻給廣大考生，真心的希望你能順利的通過考試，為你提供便捷的線上服務，為你解決任何有關NMLS的MLO考試題的疑問。

最新的 SAFE MLO MLO 免費考試真題 (Q203-Q208):

問題 #203
In a loan transaction subject to the TILA-RESPA Integrated Disclosure rule (TRID), the creditor must ensure that the consumer receives a Closing Disclosure reflecting the actual terms of the transaction:

• A. Within three business days of the loan application date.
• B. No later than seven business days before consummation.
• C. No later than one business day before consummation.
• D. No later than three business days before consummation.

答案：D

解題說明：
TRID regulations require that the consumer receive the Closing Disclosure at least three business days before loan consummation. This gives the borrower adequate time to review final terms and costs.
"The creditor must ensure that the consumer receives the Closing Disclosure no later than three business days before consummation."
- 12 CFR § 1026.19(f)(1)(ii)
References:
CFPB, TILA-RESPA Integrated Disclosure Rule Guide
12 CFR § 1026.19(f)(1)(ii)

 

問題 #204
The characteristics of a fixed-rate mortgage include a:

• A. mandatory 30-year term.
• B. fixed interest rate.
• C. fixed margin.
• D. minimum balloon payment.

答案：B

解題說明：
A fixed-rate mortgage is characterized by a fixed interest rate that remains constant throughout the life of the loan, ensuring that the borrower's monthly principal and interest payments remain the same over time. This is the defining feature of a fixed-rate mortgage.
Other options:
* A fixed margin (A) applies to adjustable-rate mortgages (ARMs).
* Mandatory 30-year terms (C) and balloon payments (D) are not characteristics of a fixed-rate mortgage, as fixed-rate loans can have varying term lengths (15, 20, or 30 years) without balloon payments.
References:
Fannie Mae Selling Guide on fixed-rate mortgages
Freddie Mac Mortgage Products

 

問題 #205
The purpose of a Suspicious Activity Report (SAR) is to report known or suspected violations or suspicious activity observed by financial institutions subject to the:

• A. Gramm-Leach-Bliley Act(GLBA).
• B. Bank Secrecy Act (BSA).
• C. Truth in Lending Act (TILA).
• D. Real Estate Settlement Procedures Act(RESPA).

答案：B

解題說明：
A Suspicious Activity Report (SAR) is filed by financial institutions to report known or suspected violations of law or suspicious financial activities. The requirement to file SARs falls under the Bank Secrecy Act (BSA), which is designed to prevent money laundering, fraud, and other financial crimes. SARs must be filed with FinCEN (Financial Crimes Enforcement Network) whenever suspicious transactions are detected.
* TILA (B), Gramm-Leach-Bliley Act (C), and RESPA (D) do not govern the filing of SARs.
References:
* Bank Secrecy Act (BSA), 31 USC §5311
* FinCEN Guidelines on SAR filing

 

問題 #206
When preparing a corrected Closing Disclosure, under which of the following conditions is a three-day waiting period required before a loan consummation?

• A. If the APR changes within the acceptable tolerance
• B. If a revision is needed to the consumer's contact Information
• C. The addition of a prepayment penalty
• D. The addition of an escrow account

答案：C

解題說明：
A corrected Closing Disclosure (CD) requires a new three-day waiting period before consummation if the following major changes occur:
* The APR changes beyond the allowable tolerance (which is not the scenario here; hence, Option C is incorrect).
* The loan product changes (e.g., switching from a fixed-rate to an adjustable-rate mortgage).
* A prepayment penalty is added, which is the correct answer in this case. A prepayment penalty can significantly impact the borrower's ability to repay the loan early without incurring additional costs, which is why this triggers a new waiting period.
* Changes like the addition of an escrow account (A) or revisions to contact information (D) do not typically require the three-day waiting period, as they do not materially alter the terms of the loan in a way that would affect the borrower's decision to proceed.
References:
* TILA-RESPA Integrated Disclosure Rule (TRID)
* 12 CFR Part 1026 (Regulation Z)

 

問題 #207
Which of the following individuals is required to be licensed as a mortgage loan originator (MLO)?

• A. An MLO's assistant explaining and describing the steps that a borrower will need to take in order to obtain a loan
• B. A seller providing financing to the purchaser of a dwelling owned by the seller
• C. A loan processor performing clerical duties under the direction and supervision of a licensed broker
• D. An underwriter presenting a revised loan offer to a borrower under the direction and supervision of a licensed lender

答案：B

解題說明：
Under the SAFE Act, individuals who take an application and offer or negotiate terms of a residential mortgage loan for compensation or gain must be licensed as MLOs.
A seller providing financing for the sale of their own property (such as in an owner-finance transaction) is generally required to be licensed as an MLO unless specifically exempted by state or federal law (limited situations, e.g., seller-finance up to 3 properties per year).
Other individuals listed (processors, assistants, underwriters) do not require licensure as long as they are working under the direction and supervision of a licensed MLO and not negotiating loan terms or taking applications.
"Any individual who takes a residential mortgage loan application and offers or negotiates terms for compensation or gain must be licensed as a mortgage loan originator, unless specifically exempted."
- SAFE Act, 12 U.S.C. § 5102(4)
References:
SAFE Act, 12 U.S.C. § 5102(4)
NMLS Uniform State Content Outline

 

問題 #208
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