最新なNMLS MLO問題集（123題）、真実試験の問題を全部にカバー！

質問 1：
During the closing the borrower notices that the interest rate increased from 3.250% to 3.875%. The lender must:
A. postpone the closing, re-disclose and wait three business days.
B. tell the borrower to close the loan.
C. close the loan, then re-disclose after the loan funds.
D. postpone the closing, re-disclose and wait three days.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
Which of the following activities is an example of redlining in mortgage lending?
A. The systematic denial of various services to residents of specific, often racially associated, neighborhoods or communities, either explicitly or through the selective raising of prices
B. The act of the mortgage lender putting a "red line" under the borrower's name in a file to indicate they are a substandard applicant
C. Ensuring that all creditworthy borrowers are afforded equal treatment when applying for a mortgage loan
D. The mortgage loan originator convincing the underwriter to move their loan file to the front of the line or "redline" it
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
A mortgage loan originator (MLO) cannot be approved for licensure if the applicant has:
A. taken and failed the SAFE MLO National Test three times within the last year.
B. never been licensed or registered as an MLO in any governmental jurisdiction.
C. been convicted of a felony within the past seven years.
D. had an MLO license suspended in any governmental jurisdiction.
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
A borrower works at Company XYZ and was recently approved for a cash-out refinance of her primary residence. The closing is scheduled for Friday. On Monday of closing week, the mortgage loan originator (MLO) sees on the local news that XYZ is closing and the employees have been let go. Which of the following actions, if any, should the MLO take?
A. Recommend that the borrower attend homeownership counseling
B. Tell the borrower not to say anything at closing
C. Nothing, as the loan has already been approved
D. Notify the underwriter regarding possible change of borrower's employment status
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
What is the minimum amount of flood insurance a lender must require on a residential building located in a special flood hazard area?
A. $250,000 for residential property structures
B. $50,000 for residential property structures
C. $150,000 for residential property structures
D. $350,000 for residential property structures
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 6：
According to the Truth in Lending Act (TILA), which of the following advertising statements does not require additional disclosures to supplement the advertisement?
A. "15-year and 30-year mortgages available"
B. "Only 1 point up front to get you in a home"
C. "Payments as low as $600 for a $100,000 mortgage"
D. "Come in today for your free consultation"
正解：D
解説: (Pass4Test メンバーにのみ表示されます)