8 Hour California SAFE Comprehensive 2018 MLO Continuing Education Course

$47.00

8 Hour Course

Course ID: 10018

Approved By: NMLS

4.6 173 Reviews

Currently Unavailable (877) 724-6150

Mortgage loan originators in the state of California will benefit from this 8 hour continuing education class tremendously. It covers all the renewal requirements for all three of the organizations that MLOs are licensed through, the State Department of Business Oversight, the California Bureau of Real Estate, and the NMLS. It does this with 8 hours of topics that cover all of the mandated subjects, as well as providing additional content.

We begin with a short history of mortgage lending in America up to and through the real estate crisis of the 2000s. After that the course moves into the a discussion of the organizations responsible for oversight of the mortgage industry and some of the tools they use to protect borrowers in America, including the federal SAFE Act, which we then examine in detail. This is followed by a segment on TILA-RESPA Integrated Mortgage Disclosures.

The second portion of the class looks more closely at the critical need for ethics and professionalism in the mortgage lending industry in America in general, and California specifically. Then we examine the different types of mortgage fraud and the trouble they can cause, both for consumers and mortgage loan originators as well. Then we’ll examine how consumer protections have been put in place with fair lending practices to insure a fair and open environment for the consumer.

Also we will have a module with 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 examine the California state regulations that deal with the concept of agency and the requirements for adherence to those rules by California mortgage loan originators.

We’ll keep you involved with the course by using tools like real life case studies and in-text quizzes, which you’ll also be able to use to spot-check your knowledge and gain a bit of knowledge from real examples. The in-text exercises 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
    • California MLO Training [6 Activities]
      • 01. California Agency Law for Mortgage Loan Originators: Introduction
      • 02. Regulatory Structure for California MLOs
      • 03. Agency Relationships
      • 04. Agency Concepts
      • 05. Legal Update
      • 06. Conclusion
    • California MLO Case Study (1 questions)
    • California 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 31st, 2018
The course was very easy to navigate and save progress. It might be helpful to add an audio option and have a narrator. It is hard to read from the computer for 8 hours and take all the quizzes. The time reading on the computer makes your eyes very fatigued.

December 30th, 2018
convienant

December 29th, 2018
Amanda from customer service was very helpful and went above and beyond to fix my problem with BioSig.

December 28th, 2018

December 26th, 2018
This is the BEST and easiest online course I have ever taken!! Thank you!!

December 25th, 2018
This course was easy to follow, and comprehensive.

December 19th, 2018
Information was easy digest and relevant.

December 19th, 2018
Very easy and concise, straightforward and direct on the info needed for renewal.

December 17th, 2018

December 17th, 2018
Excellent material.

December 15th, 2018
This course was the most comprehensive I've ever taken. I wish they would let me use it every year!

December 10th, 2018
I am extremely Satisfied in choosing Aypo for my 8 hour SAFE Continuing Education

December 10th, 2018
great course

December 5th, 2018
I will use this company for my insurance CE as well, great job.

November 30th, 2018
Signs you out way too fast if idle

November 28th, 2018
Great course. Easy to navigate. User friendly.

November 27th, 2018
The bio sign needs to be fixed, verification is great,this tool sucks terribly,and MUST be updated,its so bad,can not say that enough,many poorly worded questions with unethical or non proper answers available on the quizzes, NMLS, get a word Smith and say thing properly ,not shady sounding like a lot of this text is,and get this bio sign fixed,it is a disgrace,I spent so much time on that,it was the hardest part of this course,by 1000 times,really! Fix it,my God it is so so so so so ,can't say so enough, it's awful,shameful,idea is correct,vehicle ,sucks so bad,sucks!

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November 13th, 2018
Challenging and stimulating course - especially the CA part. Well presented and held my interest.

November 1st, 2018
Not now

November 1st, 2018
yes please

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October 30th, 2018
Course was great. Very informative. Excellent content.

October 29th, 2018
Very easy ro understand course

October 22nd, 2018
great!

October 17th, 2018
You need improve the navigation on the course

October 17th, 2018
Easy to navigate. Information was presented well.

October 9th, 2018
Great course! I definitely recommended.

October 9th, 2018
very good course

September 25th, 2018
refresh and helpful reminding all courses for my benefit, thank you

September 21st, 2018

September 19th, 2018
Awesome self study at my own pace! would do again

September 18th, 2018
good explanations east to relate

December 19th, 2018
Two recommendations. Times out too quickly or in the middle of taking a test. Shorten the stories at the end of the course for the test. No need to know so much about the characters.

December 2nd, 2018
it was a good course

December 1st, 2018
Learned a great deal. could be improved if we could move through reading more quickly.

November 29th, 2018
some questions little tricky

November 29th, 2018
Videos are helpful

November 24th, 2018
I have been taking CE course for MLO and this course is by far the most organized one. Couple of suggestions: 1. There are typos throughout the course materials. Pls correct. 2. It would be great if there is voice over text option, so users can listen to materials during the busy schedule.

November 9th, 2018
Somewhat challenging

November 1st, 2018
Some of the question on the quizzes were unclear. Otherwise, the content was good.

October 15th, 2018
The overall courses were helpful to understand the new changes in the rules.

December 12th, 2018
this course kept on logging me out as I was reading which was really time consuming and irritating. Will probably not use this company again to do my CE requirements.

December 10th, 2018
your auto sign out feature is way to aggressive!! I mean if the clock ran out by 30 seconds it would auto sign out! You need to make is a 5-10 min auto sign out (so I am on a page and no activity takes place for up to 10 min with out me being signed out!!! wow what a novel idea!). You know this drove me nuts for every minute I had to go through this course. Today I must say it got the best of me and i lost my temper at the computer. Please fix this, it is the most annoying thing I have ever experienced. Only inappropriate words can begin to describe how I feel about your auto sign out feature.

December 8th, 2018
no volume and very challenging

December 4th, 2018
Some questions in the exam were unclear.

October 12th, 2018
It took much longer than I expected. I would prefer a webinar type of CE course next time

December 19th, 2018
It timed out several times while I was reading slides while the counter was still going which is strange. Very annoying that when it timed out that it didn't take me back to where I left off and put me into completely different modules or started me back at the beginning slide although I would click on the begin Where I left off.

December 9th, 2018
Some of the questions I answered correctly were marked wrong on the quizzes

November 30th, 2018
The program kept going backwards and losing progress, throughout.

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na

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Uyhy

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