8 Hour Arizona SAFE Comprehensive 2018 MLO Continuing Education Course


8 Hour Course

Course ID: 10019

Approved By: NMLS

4.6 52 Reviews

Add to Cart (877) 724-6150

This class is great choice for mortgage loan originators in the state of Arizona. It covers all the requirements for the Arizona Department of Financial Institutions and for the NMLS as well, with 7 hours of topics that include all the federal content required and then the one hour of coursework specific to the Grand Canyon State as well.

The history of mortgage lending in America is explored in the first segment, focusing on the history of the regulations themselves. We will then detail the creation of the SAFE Act as it followed the mortgage crisis of the early 2000s. Part of this class time will be spent exploring the federal agencies that administer and oversee the SAFE Act and provide further oversight for mortgage loan origination in America and Arizona. TILA-RESPA integrated mortgage disclosure and its effect on MLOs is discussed also.

Ethics, fair lending practices and consumer protections are also covered. We will then examine at the concepts of ethics and fair lending on a broad level as they apply to mortgage loan originators in the field. During this segment we also cover the basics of what can constitute mortgage fraud and how MLOs can help themselves avoid some of these pitfalls. A portion of the course also provides an in-depth examination of lending standards for nontraditional mortgage loans that include Adjustable rate mortgages, subprime and high-cost loans, and reverse mortgages as well.

Finally, we will spend a significant portion of our time on the mortgage laws and practices of loan origination in the state of Arizona specifically. This will include discussion of the acts that are prohibited by the state, and information relating the Mortgage Recovery fund as well.

Our course will keep you involved with case studies and in-text quizzes so you’ll be able to spot-check your knowledge, and that will also help prepare you for the final exam that comes at the conclusion of the class.

  • Module 1
    • Federal Law Update [24 Activities]
      • 01. 3 Hour SAFE Federal Law Update Module for 2018 for MLOs
      • 02. Where We're Going
      • 03. A History of Home Mortgages Up to the 1960s
      • 04. Equalizing Mortgage Opportunities and Deregulation
      • 05. Mortgages in the New Millennium and the 2008 Recession
      • 06. The SAFE Act and Registration of MLOs
      • 07. Rules for Mortgage Loan Originators
      • 08. Requirements for State Licensing and Registration of MLOs
      • View Additional Activities
        • 09. MLOs Must be Unique - (12CFR1007.105)
        • 10. The Consumer Financial Protection Bureau and its Function
        • 11. Administrative Tools Under the SAFE Act
        • 12. Regulation Z and ATR
        • 13. Qualified Mortgage Standard Under Regulation Z
        • 14. Examination Procedures for Mortgage Origination
        • 15. Loan Originator Compensation Rules under TILA
        • 16. Other Rules Under the SAFE Act
        • 17. Governing the Licensing and Registration of MLOs
        • 18. Integrated Mortgage Disclosures
        • 19. Disclosures Prior to October 3, 2015
        • 20. Disclosures Under TILA-RESPA After October 3, 2015
        • 21. More Information on Disclosures
        • 22. Average Costs and Tolerances for TRID
        • 23. Examples of Fees and Tolerances
        • 24. Conclusion of Class on Federal Mortgage Laws For MLOs
    • Federal Law Update Case Study (6 questions)
    • Federal Law Update Quiz (5 questions)
  • Module 2
    • BioSig Authentication - Middle#1
    • Ethics, Consumer Protection, and Fraud [17 Activities]
      • 01. Module 2: 2 Hour SAFE Ethics, Consumer Protection, and Fraud for 2018
      • 02. Consumer Protection and Fair Lending Practices
      • 03. The Mortgage Lending Industry and Ethics
      • 04. A Crisis of Trust for MLOs
      • 05. Principles of Ethics
      • 06. An Understanding of What Ethics is Not
      • 07. Ethical Duties
      • 08. Approaches to Ethical Decision Making
      • View Additional Activities
        • 09. The Ability to Repay/Qualified Mortgage Rule
        • 10. Fraud for Mortgage Loan Originators
        • 11. The Current State of Mortgage Fraud in America
        • 12. Mortgage Fraud Broken Down
        • 13. Fraud by Those Outside the Industry
        • 14. Fraud by Those Within the Industry
        • 15. Scams and Other Frauds
        • 16. Ending Mortgage Fraud
        • 17. Conclusion 2018 Consumer Protection and Fair Lending, Ethics, and Fraud 2 Hour Module
    • Ethics, Consumer Protection, and Fraud Case Study (6 questions)
    • Ethics, Consumer Protection, and Fraud Quiz (5 questions)
  • Module 3
    • BioSig Authentication - Middle#2
    • Nontraditional Mortgages [9 Activities]
      • 01. Module 3: 2 Hour SAFE Nontraditional Mortgages 2018 Module
      • 02. Nontraditional Mortgage Loans
      • 03. Reverse Mortgages
      • 04. 2017 Overhaul of the HECM Program
      • 05. Subprime Loans
      • 06. High-Cost Mortgages
      • 07. Adjustable-Rate Mortgages
      • 08. Lending Standards for Adjustable Rate Mortgages
      • 09. End of 2018 Nontraditional Mortgage Products 2 Hour Module
    • Nontraditional Mortgages Case Study (6 questions)
    • Nontraditional Mortgages Quiz (5 questions)
  • Module 4
    • Arizona MLO Training [5 Activities]
      • 01. Arizona SAFE Laws, Regulations, and Standards for Mortgage Loan Originators: Introduction
      • 02. Mortgage Loan Originator: �Definitions and Exemptions
      • 03. Prohibited Acts
      • 04. Mortgage Lending News
      • 05. Conclusion
    • Arizona MLO Case Study (1 questions)
    • Arizona MLO Quiz (5 questions)
  • Course Completion
    • BioSig Authentication - End
    • Final Exam (25 questions)
    • Mandatory Questionnaire
    • MLO CE Feedback
    • Certificate of Completion

Instructor Bio

Mary Tillery real estate atyourpaceonline instructor
Mary Tillery, loan originator and Sales Manager at Guild Mortgage, in Grants Pass Oregon, has been actively involved in home lending since 1986. She has originated everything from first time homebuyers, to complex construction financing and reverse mortgages, besides all forms of more traditional lending. Mary combines her depth of knowledge with a sincere desire to know, love and serve her clients. She has been teaching home buying classes for 20+ years and loves to share her knowledge with not just her clients, but with people in the industry who are interested in growing.

Course Reviews

December 23rd, 2018
The only thing I noticed is that frequently I was logged out and had to re-log back in and go to the module I was working on.

December 22nd, 2018

December 14th, 2018
This would be great if it read it out loud to you... Just saying.

December 5th, 2018
I liked being able to read at my own rate rather than listening to someone else go at a slower pace.

December 4th, 2018
I would really like it if you guys could make it easier to figure out which courses I need.

November 21st, 2018
Easy to navigate

November 8th, 2018
Through and right to the point.

October 28th, 2018
Learned a lot

October 23rd, 2018
Not at this time.

October 23rd, 2018
very informative

December 30th, 2018
It was extremely helpful being able to complete this CE on my own time. One mark of criticism would be that the server times out very quickly and became a little problematic at time. Overall, it was really good.

December 20th, 2018
Final Exam questions should be written in a more straightforward manner. Many were too wordy and unnecessarily confusing because of it.

December 16th, 2018
I like the information that was available. Maybe if there was an instructor led video on certain case examples could be helpful.

November 21st, 2018
This course was actually the most simple and easiest I have taken for CE in four years. Some of the questions are a bit off and the case studies are a bit jumbled but overall a good refresher.

November 3rd, 2018
There were some typos. Also, a couple of the periodic course questions were not clear.

November 1st, 2018
The scenario questions are a bit odd - most LOs don't go view a house with a potential client plus there are many double-negative questions which make it confusing on what is actually being asked. Other than that, pretty easy to navigate and love I can get done at my pace.

December 18th, 2018
The browser times you out too soon.

November 25th, 2018
I am more of a visual learner and would prefer to see some video, slides, recorded material. Reading for 8 hrs is an absolute bore. Also, I think the final exam is overkill. Either remove the quizes at the end of each module or remove the final quiz. I would prefer to have the final quiz removed. You complete the final 1 hour module, take the quiz, think you are done and then find you ahve a 25 question final exam. I will look for another CE course from another provider next year as I was not a fan of this course. Sorry, just being honest.

October 7th, 2018
I was hoping this would have audio but had to read through everything. In past years I enjoyed the audio

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