Updated in July 2017 in response to the May 2017 NMLS expanded content outline for the national exam. A good book is even better! It now includes more detailed information and quiz questions that target specific newly-disclosed items on the outline. What's the secret to passing the SAFE Mortgage Loan Originator National Exam? If you answered "memorizing all the questions and answers you can find," you're wrong. You'll have a much better chance of passing the loan originator exam if you understand the material. "The SAFE Mortgage Loan Originator National Exam Study Guide - Second Edition" explains the required information and contains links to additional material. Prepare Yourself for a New Career This updated and enhanced loan originator exam manual includes the latest rulings by the Consumer Financial Protection Bureau. Other topics include: Federal Mortgage-Related Laws SAFE Act Introduction to Mortgage Lending General Mortgage Knowledge Basic Concepts of Mortgage Financing The Loan Application Underwriting, Closing and the Secondary Market Ethics and Fraud Mortgage Terminology There are quizzes throughout the book and two practice final exams to help you test your knowledge; in total, there are more than 400 questions and answers. The author was a licensed mortgage broker for seven years and passed the national exam on her first attempt. Scroll to the top of the page and select the Buy button to get started on your new career.

Make no mistake, the SAFE National With UST exam is tough. This UPDATED and REVISED study guide has helped thousands of MLOs nationwide successfully kick off their careers as state-licensed loan originators. "Pass the Mortgage Loan Originator Test: A Study Guide for the NMLS SAFE Exam" delivers critical information - covering the topics on the most recent version of the NMLS content outline - in a clear and concise manner. This means that what is learned is actually retained. Most importantly, with this resource, you don't just memorize useless questions. You are thoroughly immersed in the material that you need to master in order to successfully pass the exam on your first attempt. Included practice exams help to measure how well you understand the concepts. They will give you a glimpse into the types of questions - and the difficulty - of what you'll face when you head to the testing center. Study with confidence. Authored by a team of esteemed mortgage loan originators, experienced financial writers and passionate educators, "Pass the Mortgage Loan Originator Test: A Study Guide for the NMLS SAFE Exam" provides accurate, relevant and timely information.

A comprehensive assessment of real gun reform legislation with recommendations for better design, implementation and enforcement A month after the Sandy Hook Elementary School shooting, New York State passed, with record speed, the first and most comprehensive state post-Sandy Hook gun control law. In The Toughest Gun Control Law in the Nation, James B. Jacobs and Zoe Fuhr ask whether the 2013 SAFE Act —hailed by Governor Andrew Cuomo as “the nation’s toughest gun control law” – has lived up to its promise. Jacobs and Fuhr illuminate the gap between gun control on the books and gun control in action. They argue that, to be effective, gun controls must be capable of implementation and enforcement. This requires realistic design, administrative and enforcement capacity and commitment and ongoing political and fiscal support. They show that while the SAFE Act was good symbolic politics, most of its provisions were not effectively implemented or, if implemented, not enforced. Gun control in a society awash with guns poses an immense regulatory challenge. The Toughest Gun Control Law in the Nation takes a tough-minded look at the technological, administrative, fiscal and local political impediments to effectively keeping guns out of the hands of dangerous persons and eliminating some types of guns altogether.