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NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:

1. A mortgage loan originator paying compensation to a real estate agent for client referrals is:

A) Prohibited unless the client is notified and consents to the payment.
B) Permissible if the compensation is limited to payment for the real estate agent's related business expenses.
C) Considered an illegal kickback prohibited by the Real Estate Settlement Procedures Act (RESPA).
D) Permissible if the compensation is limited to meals or other noncash gifts.

2. The appraiser valuation independence obligates appraisers to perform their duties in a manner free from outside influence through which of the following actions?

A) Communication directly between the loan officer and the appraiser
B) Asking the appraiser to substantiate a value
C) Withholding payment from an appraiser
D) Encouraging a target value

3. Which of the following fees or charges is an allowable closing cost typically found on a Closing Disclosure?

A) Yield-to-loan fee
B) Servicing fee
C) Referral fee
D) Origination charge

4. Which of the following reasons is acceptable for denying a loan under the Equal Credit Opportunity Act (ECOA)?

A) Country of birth
B) Immigration status
C) Receipt of child support
D) Marital status

5. A mortgage loan originator (MLO) is in the process of taking an application for a 30-year mortgage, and the borrowers are over 72 years old. Which of the following actions must the MLO take?

A) The MLO must present them with a reverse mortqaqe.
B) The MLO must inquire about the ability to repay in the event of a borrower's death.
C) The MLO must present them with a home equity line of credit (HELOC).
D) The MLO must complete the application and proceed as normal.

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