Ebook Download The SAFE Mortgage Loan Originator National Exam Study Guide: Second Edition, by Patricia O'Connor
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The SAFE Mortgage Loan Originator National Exam Study Guide: Second Edition, by Patricia O'Connor
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Updated with 2015 regulatory changes including the TRID rule, which went into effect October 3, 2015. 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.
- Sales Rank: #39834 in Books
- Published on: 2013-12-21
- Original language: English
- Number of items: 1
- Dimensions: 11.00" h x .60" w x 8.50" l, 1.41 pounds
- Binding: Paperback
- 266 pages
About the Author
Pat O’Connor is a licensed Florida real estate broker, instructor, and owner of The Veritas Real Estate Group, Inc. that she founded in 2004 in Fort Lauderdale. Her company is a licensed real estate school as well as a brokerage firm, and she teaches the Florida Sales Associate Pre- Licensing course on a regular basis. Her real estate transactions include both residential and commercial properties in South Florida, and she was a licensed Florida mortgage broker for seven years. For a short while, The Veritas Real Estate Group was also a licensed mortgage company and school. Pat wrote the original version of this book as a Florida-approved mortgage pre-licensing textbook that she used for her classes. The book has been updated and enhanced over the years. Pat is in the process of writing study guides for those states that require a separate loan originator state exam. Her current list of published titles is available at https://amazon.com/author/ patriciaoconnor.
Most helpful customer reviews
14 of 14 people found the following review helpful.
Everything you need to know to pass the National Exam
By ConsumerAdvocate (dakotad555) at (gmail) dot (com)
I have worked in the mortgage industry for 10 years and as a Loan Officer for the last 5. I am licensed in multiple states but never took the National Exam as I earned all four of my licenses before it was introduced (I ended up paying four 4x SAFE tests, one for each state of licensure--very expensive!). This year I wanted to add a fifth state and needed to take the National Exam in order to do so. I did not want to pay hundreds of dollars through one of the online purveyors of LO training as I've been doing this long enough that it would be a waste of my time and money. What I did want was a refresher of applicable lending laws and guidelines. As any mortgage professional can attest, the content of government mandated tests doesn't have tremendous overlap with the daily tasks associated with writing mortgages.
Patricia O'Connor's eBook was exactly what I wanted and needed. Broken down by sections covering every area of the National Exam, all of the information was clear and well-presented. As a hint for others who have been in the industry a while: the first thing I did was take one of the two practice tests located at the back of the book (passed by the skin of my teeth with a 76%). I then took note of my wrong answers and broken them down into areas of greatest need and studied those chapters specifically. That approach worked very well. I passed the National Exam with a 107 / 115 for 93%, far in excess of the required 75%
What I liked best:
1) Chapters are laid out logically and progress from topic to topic in a seamless way
2) Each chapter concludes with a practice test
3) Each chapter also includes a summary of the main points of the chapter (these are very useful for study purposes)
4) The final exams were VERY similar to the actual National Exam I took
5) The book is FULL of hyperlinks to all applicable data sources for the content of the chapters; this book really is a dictionary for mortgage lending. The research that went into it was fantastic.
What could have used improvement:
1) The "key" for scoring the tests doesn't play nicely with my kindle--the last answer to each string of twenty five questions (25, 50, 75, 100, and 125) appeared on a different page than the rest of the answer which made scoring the practice tests a bit more of a chore than it already is
2) It would be really nice to have a web-link to an online practice test that would allow for faster test taking as scoring
I would not necessarily recommend this book to someone totally new to the industry looking to pass the National Exam for the first time. You may be better off taking a more comprehensive online or live class (at 15-20x the cost of this book!). That said, if you are already reasonably knowledgeable OR have very good study habits, you could absolutely pass the National Exam using only this book, especially if you take all the practice tests at the end of each chapter and the two final exams at the back of the book. If you can pass those, you can pass the national exam. This approach will require more from you, but its totally doable if you're dedicated and take notes as you read.
For my particular purposes, the book was perfect. I did find a few small typos, but they were very rare indeed and did not take away from the quality of the book as a whole. I will be recommending this one to my fellow LOs at my office and have no problem recommending it here on Amazon as well.
*****Update 01-09-2015*****
As the author states in the comments section of this review, this book IS NOT a replacement for the NMLS mandated 20-hour course for those applying for a license for the first time. My situation was a little unique, and I overlooked that bit of information.
Also, regarding the sole 1-star review of this book: I encountered NO questions with wrong answers in my reading of the book or in the practice tests I took. I would ignore any comments to the contrary.
10 of 10 people found the following review helpful.
Passed the exam the first time thanks to this book!!!
By Suzanne Caho
I took my 20 hour pre-licensing class in the beginning of January of this year and I bought this book soon after I finished the course. I just took the national exam yesterday for the first time and I passed!! I can honestly say I learned more from this book than I did from the 20 hour course and I know for a fact I could not have passed the first time without this book. I took my time and read it twice just to make sure I understood all of the information. I think learning all of the definitions from the links in the 9th chapter before reading the rest of the book would've been better and there are a couple typos so check your answers on the quizzes in the chapter because some will say your answer is wrong when you really have it right, but other than that this book was everything I had hoped for. This book helped me so much!! I would recommend this to anyone!
4 of 4 people found the following review helpful.
Get this book if you have failed the SAFE exam
By Melanie Bonanno
I took the SAFE MLO exam twice (and failed) before I purchased Patricia O'Connor's MLO study guide. Just a bit of a background, I have no mortgage related experience whatsoever and i thought, after the 20 hour required course, I had a decent handle on the exam. I was wrong the first time when i scored a 73 and I was wrong the second time when I scored lower at a 70. I was dumbfounded. I studied incessantly for those tests, I rewrote the material, created flashcards, etc. Obviously it didn't work. I know now that I was not clearly understanding the different regulations, which is key. Patricia's study guide is written in a way that helped me get it, finally! I recommend this book only to those that have already completed the 20-hour coursework and score low on the practice exams. In addition to the book, I was constantly taking the practice exams from the course and I fidnt take the exam until I was consistently scoring an 80 or more on the practice test. My 3rd attempt was a victory, I scored an 84. Thank you Patricia!!!
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