8 Hour SAFE Comprehensive 2018 MLO CE


8 Hour Course

Course ID: 7904

Approved By: NMLS

4.5 34 Reviews

Currently Unavailable (877) 724-6150

This 8 hour continuing education class satisfies all the requirements for the renewal of licenses for Mortgage Loan Originators in the state known as the Crossroads of America, both with the Indiana Department of Financial Institutions and for the requirements for the NMLS as well.

The Indiana Mortgage Loan Originator will find this class is divided into three parts. In the first, we begin by providing the student with a history of federal mortgage lending laws, up to and including the real estate crisis of the early part of this century. We also discuss the federal SAFE Act and its effect on the mortgage lending industry. After that, we have an overview of the federal agencies responsible for administration of mortgage practices in America. We also provide information on the TILA-RESPA Integrated Mortgage Disclosure (TRID). For expanded background, we discuss the Indiana Department of Financial Institutions as well, who are responsible for oversight of MLOs in the field.

The course then goes on to examine ethics for the mortgage loan originator, and consumer protections and fair lending practices as well. During this portion we will also look at the larger concepts of ethics and fair lending as they relate to mortgage loan originators in the field. This segment goes on to cover the basics of what can constitute mortgage fraud and what MLOs can do to avoid some of these pitfalls. Then the course 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.

During our course we will also keep you engaged with in-text quizzes and case studies that you can use to spot-check your knowledge. The quizzes and case studies will also help prepare you for the final exam that you will take 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 [18 Activities]
      • 01. Module 2: 3 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. Sample Codes of Ethics
        • 10. The Ability to Repay/Qualified Mortgage Rule
        • 11. Fraud for Mortgage Loan Originators
        • 12. The Current State of Mortgage Fraud in America
        • 13. Mortgage Fraud Broken Down
        • 14. Fraud by Those Outside the Industry
        • 15. Fraud by Those Within the Industry
        • 16. Scams and Other Frauds
        • 17. Ending Mortgage Fraud
        • 18. Conclusion to 3 Hour SAFE Ethics, Consumer Protection, and Fraud Module for 2018
    • 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)
  • Course Completion
    • BioSig Authentication - End
    • Final Exam (25 questions)
    • Mandatory Questionnaire
    • Certificate of Completion
    • MLO CE Feedback

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 20th, 2018
I'd like it to read to me aloud

December 18th, 2018
Great Course!

December 11th, 2018
It was nice to not be stuck in a class to complete this training.

December 3rd, 2018
Would be nicer to not have such a short timeout window.

December 30th, 2018
Good content easy to navigate. Would definitely use your products again.

December 23rd, 2018
Very Good Courses, some info were a bit repetitive from module to module. This is good for remembering

December 16th, 2018
prefer more interaction than just reading each page

December 13th, 2018
Not log out 3 seconds after timer is up

December 13th, 2018

December 4th, 2018
Although it was great to move at my own pace, it was a little hard to follow at times. Maybe a few short videos to break it up a bit would be helpful. Overall, I am glad I took your course over others I was offered.

October 8th, 2018
The one thing I would recommend is a warning to come on the screen before the user is logged off for what is perceived as inactivity.

December 17th, 2018
I do not read read fast, it was very annoying that the system would kick me completely out and I would have to log back in through out the course.

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