Respa disclosures Study guides, Class notes & Summaries
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NMLS Test Exam Questions with Correct Answers Latest Update
- Exam (elaborations) • 28 pages • 2024
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RESPA disclosures? 
due dates? - Answer-3 days after application: 
Home loan tool kit 
Loan estimate 
List of HUD counselors 
Mortgage Servicing Disclosure Statement 
Know before you owe booklet 
Special Info Booklet 
 
3 days before consummation: 
Initial Closing Disclosure 
AfBA disclosure 
 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
 
After closing: 
Annual Escrow Statement 
Servicing Transfer Statement (sent 15 days before transfer) 
 
RES...
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MLO Test Prep | Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 34 pages • 2024
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1.) Who does the CFPB protect? 
2.) What does the CFPB do? - 1.) The Consumer Financial Protection Bureau protects consumers in 
the financial marketplace. 
2.) CFPB is now in charge of implementing and enforcing most of the provisions of federal lending laws 
that relate to protecting consumers while they are shopping for, securing, and paying off mortgages. 
What is the purpose of RESPA? (3 things) - 1.) a.Protect consumers from excessive settlement costs 
and unearned fees 
b.Limit the amount...
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NMLS Test Outline Questions with correct Answers 2024
- Exam (elaborations) • 28 pages • 2024
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NMLS Test Outline Questions with correct Answers 2024 
RESPA disclosures? 
due dates? 
3 days after application: 
Home loan tool kit 
Loan estimate 
List of HUD counselors 
Mortgage Servicing Disclosure Statement 
Know before you owe booklet 
Special Info Booklet 
 
3 days before consummation: 
Initial Closing Disclosure 
AfBA disclosure 
 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
 
After closing: 
Annual Escrow Statement 
Servicing Transfer S...
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NMLS Test Outline Final Practice Questions 2024.
- Exam (elaborations) • 42 pages • 2024
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NMLS Test Outline Final Practice Questions 2024. 
RESPA disclosures? 
due dates? - correct answer 3 days after application: 
Home loan tool kit 
Loan estimate 
List of HUD counselors 
Mortgage Servicing Disclosure Statement 
Know before you owe booklet 
Special Info Booklet 
 
3 days before consummation: 
Initial Closing Disclosure 
AfBA disclosure 
 
At consummation: 
Final Closing Disclosure 
Initial Escrow Statement (45 days after closing) 
 
After closing: 
Annual Escrow Statement 
Servicin...
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MLO Test Prep | Questions with 100% Correct Answers | Verified | Latest Update 2024 | 34 Pages
- Exam (elaborations) • 34 pages • 2023
-
- $20.49
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1.) Who does the CFPB protect? 
2.) What does the CFPB do? - 1.) The Consumer Financial Protection Bureau protects consumers in 
the financial marketplace. 
2.) CFPB is now in charge of implementing and enforcing most of the provisions of federal lending laws 
that relate to protecting consumers while they are shopping for, securing, and paying off mortgages. 
What is the purpose of RESPA? (3 things) - 1.) a.Protect consumers from excessive settlement costs 
and unearned fees 
b.Limit the amount...
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers
- Exam (elaborations) • 28 pages • 2024
- Available in package deal
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SAFE Mortgage Loan Originator Test - 
National Component with Uniform State 
Content Exam Questions With Verified 
Answers 
What does UST stand for? - answerUniform State Test 
Who does the CFPB protect? - answerThe Consumer Financial Protection Bureau protects 
consumers in the financial marketplace. 
What does the CFPB do? - answerCFPB is now in charge of implementing and enforcing 
most of the provisions of federal lending laws that relate to protecting consumers while they are 
shopping for,...
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SAFE Mortgage Loan Originator Test - National Component with Uniform State Content Exam Questions With Verified Answers
- Exam (elaborations) • 28 pages • 2024
- Available in package deal
-
- $13.49
- + learn more
SAFE Mortgage Loan Originator Test - 
National Component with Uniform State 
Content Exam Questions With Verified 
Answers 
What does UST stand for? - answerUniform State Test 
Who does the CFPB protect? - answerThe Consumer Financial Protection Bureau protects 
consumers in the financial marketplace. 
What does the CFPB do? - answerCFPB is now in charge of implementing and enforcing 
most of the provisions of federal lending laws that relate to protecting consumers while they are 
shopping for,...
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MD Real Estate License TOP Exam Guide Questions and CORRECT Answers
- Exam (elaborations) • 26 pages • 2024
- Available in package deal
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Most real estate transactions that involve mortgages are required by law to use - some 
specific forms for disclosure regarding the loan 
Loan Estimate and Closing Disclosure Forms help consumers determine - 1) Whether 
they can afford the loan 
2) The relative cost of different loan offers, including the loan cost over time 
Lenders have been required to provide this type of disclosure for many years under the - 
 the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act ...
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Prepxl Practice Test 6 Questions With Complete Solutions Rated A+
- Exam (elaborations) • 22 pages • 2024
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Cindy bought a home and closed on a 6.0% rate for 30 years. The loan includes a payment feature that 
allows Cindy to make a $1,400/month payment for the first five years, and a $1,800/month payment for 
the remainder of the loan. What type of loan is this? 
- Variable 
- ARM 
- Option ARM 
- Fixed rate - Answer-Fixed rate. 
This loan is a fixed-rate loan (at 6% for 30 years). The payment example shows an interest-only feature 
for the first five years and then a fully-amortized payment for the ...
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NMLS Safe Test Mortgage Licensing Practice Exam with 100% correct answers 2022-23
- Exam (elaborations) • 29 pages • 2022
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- $11.09
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Which federal law requires that the Loan Estimate be provided to the borrower within 
three business days of the time of loan application is taken? - ANSWER-TILA 
What type of scam entails homeowners who are encouraged to refinance their property 
over and over until little or no equity remains? - ANSWER-Loan flipping or churning 
After a loan closing, funds are disbursed. When are the funds disbursed for an owneroccupied, residential refinance? - ANSWER-After 3 business-day rescission period 
W...
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