What is a refi loan - Study guides, Class notes & Summaries
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HUD EXAM PREP| 120 QUESTIONS| WITH COMPLETE SOLUTIONS
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Types of Credit Used Correct Answer: Student loan or credit cards only 
 
FAKO scores Correct Answer: purchase score which are educational score 
 
Fair Credit Reporting Act FCRA Correct Answer: what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/state rights 
 
Fair and Accurate Credit Transactions Act FACTA Correct Answer: free cbrs/fraud alert/truncate cc #s 
 
Fair Credit Billing Act (FCBA) Correct Answer: dispute bill error/mail 60 da...
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NMLS SAFE EXAM 2024 WITH 100% CORRECT ANSWERS
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What does TILA stand for?Answer - Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan?Answer - a secured loan in that you are borrowing against the equity that has been built in your house 
 
What is a REFI loan?Answer - 
 
LTV stands forAnswer - Loan to Value 
 
Define PMI and state what the acronym stands for.Answer - Private mortgage insurance- on conventional loans 
 
Define one time variable funding fee and people in what situations is it waived for?Answer - Disabled veterans ...
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NMLS SAFE EXAM 2024 QUESTIONS AND ANSWERS ALREADY PASSED
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NMLS SAFE EXAM 2024 QUESTIONS 
AND ANSWERS ALREADY PASSED 
 
What does TILA stand for? Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan? a secured loan in that you are borrowing against the equity that has 
been built in your house 
 
What is a REFI loan? 
 
LTV stands for Loan to Value 
 
Define PMI and state what the acronym stands for. Private mortgage insurance- on 
conventional loans 
 
Define one time variable funding fee and people in what situations is it waived for? Disabled ...
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NMLS SAFE EXAM 2023/2024 Latest Update Correct Questions & Answers!!
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What does TILA stand for? - ANSWER Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan? - ANSWER a secured loan in that you are borrowing against the equity that has been built in your house 
 
What is a REFI loan? - ANSWER 
 
LTV stands for - ANSWER Loan to Value 
 
Define PMI and state what the acronym stands for. - ANSWER Private mortgage insurance- on conventional loans
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XINNIX FLIGHT SCHOOL EXAM WITH CORRECT ANSWERS
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XINNIX FLIGHT SCHOOL EXAM WITH CORRECT ANSWERS 
The rate lock period for a refi, with a right of rescission, must be long enough to cover the rescission period. 
True 
 
 
How long does a borrower have to wait to buy a home after they have had a foreclosure? FHA 
3 years 
 
 
What are the steps you should follow to determine the correct MI? 
LTV, term, product type, occupancy type and coverage. 
 
 
Typically, files that have to be manually underwritten are subject to less strict guidelines. 
Fa...
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NMLS SAFE EXAM STUDY GUIDE
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NMLS SAFE EXAM STUDY GUIDE 
 
What does TILA stand for? - Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan? - a secured loan in that you are borrowing against the equity that has 
been built in your house 
 
What is a REFI loan? - 
 
LTV stands for - Loan to Value 
 
Define PMI and state what the acronym stands for. - Private mortgage insurance- on 
conventional loans 
 
Define one time variable funding fee and people in what situations is it waived for? - 
Disabled veterans and survi...
-
NMLS Test Outline Questions and Answers Already Passed
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NMLS Test Outline Questions and Answers Already Passed 
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 Statement (sen...
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XINNIX FLIGHT SCHOOL EXAM WITH CORRECT ANSWERS
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XINNIX FLIGHT SCHOOL EXAM WITH CORRECT ANSWERS 
The rate lock period for a refi, with a right of rescission, must be long enough to cover the rescission period. 
True 
 
 
How long does a borrower have to wait to buy a home after they have had a foreclosure? FHA 
3 years 
 
 
What are the steps you should follow to determine the correct MI? 
LTV, term, product type, occupancy type and coverage. 
 
 
Typically, files that have to be manually underwritten are subject to less strict guidelines. 
Fa...
-
HUD EXAM PREP COMPLETE QUESTIONS & ANSWERS!!
- Exam (elaborations) • 21 pages • 2024
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Available in package deal
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Types of Credit Used - ANSWER Student loan or credit cards only 
 
FAKO scores - ANSWER purchase score which are educational score 
 
Fair Credit Reporting Act FCRA - ANSWER what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/state rights 
 
Fair and Accurate Credit Transactions Act FACTA - ANSWER free cbrs/fraud alert/truncate cc #s 
 
Fair Credit Billing Act (FCBA) - ANSWER dispute bill error/mail 60 days/creditor 30 days acknowledge and 90 d...
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NMLS SAFE EXAM 2024 Questions With Verified Answers
- Exam (elaborations) • 16 pages • 2024
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NMLS SAFE EXAM 2024 Questions With 
Verified Answers 
What does TILA stand for? - answerTruth-In-Lending Act, Regulation Z 
What is a HELOC loan? - answera secured loan in that you are borrowing against the equity 
that has been built in your house 
What is a REFI loan? - answer 
LTV stands for - answerLoan to Value 
Define PMI and state what the acronym stands for. - answerPrivate mortgage insurance- on 
conventional loans 
Define one time variable funding fee and people in what situations is i...
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