最新なNMLS MLO問題集（232題）、真実試験の問題を全部にカバー！

質問 1：
What are the maximum basis points added to the average prime offer rate (APOR) that keep a loan's APR as a qualified mortgage under the Consumer Financial Protection Bureau's (CFPB's) Safe Harbor Rule?
A. 150 basis points
B. 300 basis points
C. 85 basis points
D. 100 basis points
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
If an applicant provides a waiver for the requirement to receive their appraisal three business days prior to a loan's consummation and the transaction ends up not closing at all, a creditor must still provide a copy of the appraisal no later than how many days after the creditor determines consummation will not occur?
A. 45 days
B. 60 days
C. 30 days
D. 10 days
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
The SAFE Act prohibits individuals from engaging in the business of a residential mortgage loan originator without first obtaining a:
A. compliance plan.
B. high school diploma.
C. originator counseling certificate.
D. unique identifier
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
How many days after loan consummation does a lender have to refund an excess charge subject to the 10% aggregate tolerance?
A. 45 days
B. 50 days
C. 60 days
D. 90 days
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
A loan applicant inquires about refinancing his primary residence. He reports receiving a competitor's quote of a 3.5% interest rate with no points. The mortgage loan originator (MLO) discovers that the best interest rate available at this time is 3.75% with no points. To get the applicant a 3.5% interest rate, the applicant needs to pay a 1.00% discount point. Which of the following interest rates is the MLO permitted to offer to the applicant?
A. 3.25% interest rate with no points
B. 3.00% interest rate with a 0.50% discount point
C. 3.50% interest rate with no points
D. 3.50% interest rate with a 1.00% discount point
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 6：
An advertisement only reads: "Looking for low rates on a new mortgage loan? I can get you a $1,100 monthly payment on a $200,000 loan." This statement is a violation of which of the following rules?
A. Truth in Lending Act (TILA)
B. Real Estate Settlement Procedures Act (RESPA)
C. Unfair Deceptive or Abusive Acts or Practices
D. Equal Credit Opportunity Act (ECOA)
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 7：
Mortgage loan originators planning to renew their licenses are required by the SAFE Act to complete which of the following education topics as part of their mandatory annual continuing education?
A. Nontraditional mortgage lending standards
B. Credit score modeling standards
C. 30-year conventional mortgage lending standards
D. Mortgage loan loss mitigation standards
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 8：
According to Regulation Z, which of the following is a prohibited act?
A. Including undocumented child support payments made by the borrower
B. Advertising rates not currently available to applicants
C. Issuing disclosures to applicants
D. Redisclosing a Loan Estimate immediately after locking the rate
正解：B
解説: (Pass4Test メンバーにのみ表示されます)

質問 9：
Which of the following statements is permissible in an advertisement?
A. "Looking for a VA loan? We are endorsed by and affiliated with the VA administration."
B. "Take out a reverse mortgage loan with us, and you can stay in your home as long as you want and never make a payment."
C. "Current interest rates as low as 3.50% with an APR of 3.99%. Contact us today!"
D. "Close a mortgage loan with us within the next 60 days and when interest rates drop, we will refinance your loan at a lower rate guaranteed."
正解：C
解説: (Pass4Test メンバーにのみ表示されます)