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MLO Test Prep
Federal Mortgage Related Laws
Real Estate Settlement Procedures Act (RESPA) (45:45)
Equal Credit Opportunity Act (ECOA) (25:42)
Truth in Lending Act (TILA) (37:33)
TILA-RESPA Integrated Disclosure Rule (TRID) (28:21)
Home Mortgage Disclosure Act (HMDA) (7:53)
Fair Credit Reporting Act (FCRA) (15:23)
The FTC Red Flags Rule (4:09)
Bank Secrecy Act/Anti-Money Laundering Rule (BSA/AML) (9:36)
The Gramm-Leach-Bliley Act (10:08)
Telemarketing Sales Rule - Do Not Call (TSR/DNC) (6:44)
The Mortgage Acts & Practices Act (MAPs) (3:17)
The Electronic Signatures in Global and National Commerce Act (E-Sign Act) (3:07)
The Patriot Act (4:06)
The Dodd Frank Act (1:42)
The Homeowners Protection Act (HPA) (14:33)
Community Reinvestment Act (CRA) & Fair Housing Act (FHA) (4:04)
The CFPB & HUD (5:39)
General Mortgage Knowledge
Ability To Repay-Qualified Mortgage Rule (ATR/QM) (17:32)
Mortgage 101 (7:28)
Conventional (13:29)
Non-Conventional FHA (20:28)
Non-Conventional VA (8:24)
Non-Conventional USDA (4:57)
Conventional Non-Conforming (6:18)
The Statement on Subprime Lending (6:41)
The Guidance on Nontraditional Mortgage Product Risks (5:12)
Purchase Money Seconds - Piggyback Financing (1:22)
Fixed Interest Rates (5:09)
Adjustable Rate Mortgages (ARMs) (33:58)
Balloon Loans (6:10)
Reverse Mortgages (8:56)
Home Equity Line of Credit - Home Equity Loan (3:32)
Construction and Rehabilitation Loans (9:34)
Interest Only Loans (7:39)
Mortgage Loan Origination Activities
MLOA Video 1 (10:10)
MLOA Video 2 (19:09)
MLOA Video 3 - Assets & Reserves (25:10)
Loan Inquiry and Application Production Requirements - Part I (13:12)
Loan Inquiry and Application Production Requirements - Part II (14:36)
Qualification - Processing and Underwriting - Assets & Reserves (7:38)
Qualification - Processing and Underwriting - Liabilities (11:04)
Qualification - Processing and Underwriting - Income (10:17)
Qualification - Processing and Underwriting - Income Calculations (8:43)
Qualification - Processing and Underwriting - Credit Report (5:52)
Qualification - Processing and Underwriting - Qualifying Ratios (5:58)
Qualification - Processing and Underwriting - Tangible Net Benefit; Occupancy; Verification of Deposit (6:22)
Qualification - Processing and Underwriting - Appraisals (13:59)
Qualification - Processing and Underwriting - Title Reports (3:30)
Qualification - Processing and Underwriting - Hazard & Forced Placed Insurance (8:07)
Qualification - Processing and Underwriting - Flood Insurance (3:20)
Qualification - Processing and Underwriting - Mortgage Insurance (13:35)
Qualification - Processing and Underwriting - Title and Title Insurance (20:21)
Qualification - Processing and Underwriting - Explanation of Fees (6:21)
Financial Calculations Used in Mortgage Lending - Periodic Interest (5:42)
Financial Calculations Used in Mortgage Lending - Payments (15:50)
Financial Calculations Used in Mortgage Lending - Down Payments and LTV, CLTV, & TLTV (9:35)
Financial Calculations Used in Mortgage Lending - Debt-to-Income Ratios (6:24)
Financial Calculations Used in Mortgage Lending - Discount Points and Temporary Buydowns (11:21)
Ethics
Ethical Issues - Violations of Law - The Gramm-Leach-Bliley Act (4:02)
Ethical Issues - Prohibited Acts (14:49)
Ethical Issues - Fairness in Lending (11:18)
Ethical Issues - Fraud Detection (21:58)
Ethical Issues - Advertising (8:11)
Ethical Behavior Related to Loan Origination Activities - Relationships with Consumers (22:55)
Ethical Behavior Related to Loan Origination Activities - Borrower Education & General Business Ethics (14:33)
Ethics - Fraud Definitions (17:07)
Uniform State Content
Uniform State Content (USC) - SAFE Act and CSBS-AARMR Model State Law - State Mortgage Regulatory Agencies (8:54)
Uniform State Content (USC) - SAFE Act and CSBS-AARMR Model State Law - Definitions and Documents (2:47)
Uniform State Content (USC) - SAFE Act and CSBS-AARMR Model State Law - Licensee Qualifications and Application Process (10:45)
Uniform State Content (USC) - License Maintenance (5:49)
Uniform State Content (USC) - NMLS Requirements (6:38)
Uniform State Content (USC) - Compliance (12:11)
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Ethical Issues - Fairness in Lending
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