8 Hour Georgia SAFE Comprehensive MLO Continuing Education Course

$71.00

8 Hour Course

Course ID: 7936

Approved By: NMLS


Add to Cart (877) 724-6150

This continuing education class for mortgage loan originators is a great choice for the MLO in the state of Georgia. It covers all the requirements for the Georgia Department of Banking and Finance and for the NMLS as well, with 7 hours of topics that include all the required federal content and, additionally, the one hour that is specific to the state of Georgia 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 take you into the portion of the course pertaining to the creation of the SAFE Act as it followed the mortgage crisis of the early 2000s. Part of our 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 the Peach State as well. We will then provide an examination of TILA-RESPA integrated mortgage disclosure and its effect on MLOs.

Your coursework will then continue with a deeper look into ethics for mortgage loan originators, then fair lending practices and consumer protections as well. We will look 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 an hour of our class on the mortgage laws and practices of loan origination in the state of Georgia specifically. This will include discussion of required practices and the acts that are prohibited by the state also.

During our course, we will keep you engaged by providing case studies and in-text quizzes so you’ll be able to spot-check your knowledge. This 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
    • 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
    • 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
    • Georgia MLO Training [9 Activities]
      • 01. Georgia MLO Update: 2018
      • 02. Georgia Law and Rule Changes
      • 03. Georgia's Anti-Fraud Legislature
      • 04. Mortgage Fraud Cases
      • 05. Protection of Disabled Adults and Elder Persons
      • 06. Mortgage Payment Assistance (MPA)
      • 07. Mortgage Reinstatement Assistance (MRA)
      • 08. Mortgage Recast/Modification
      • 09. Conclusion
    • Georgia MLO Case Study (1 questions)
    • Georgia MLO Quiz (5 questions)
  • Course Completion
    • 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.