15 Hour Utah SAFE Comprehensive 2018 MLO Post-License Course

$229.00

15 Hour Course

Course ID: 10021

Approved By: NMLS


Add to Cart (877) 724-6150

This updated 15 hour comprehensive continuing education course for Mortgage Loan Originators for 2018 will cover modules of Federal Law Updates, Ethics, Fraud, Consumer Protection and Fair Lending, and of Nontraditional Mortgage Products, which are required for continued licensure under the SAFE Act. Within those categories, MLOs will study subjects such as a brief history of mortgage lending in America and updated rules affecting MLOs in the field, as well as ethical considerations, mortgage fraud, and updates to certain nontraditional mortgages available to the MLO today.

  • 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)
  • Module 4
    • BioSig Authentication - Middle#3
    • Utah MLO Training [8 Activities]
      • 01. Introduction to the Utah Mortgage Loan Originator 2 Hour CE
      • 02. Mortgage Administrative Rule Changes in 2017
      • 03. New Utah Real Estate Purchase Contract
      • 04. Disciplinary Actions and Mortgage Licensing in 2016
      • 05. Licensing: Licensee Applicants/Renewals Placed on Probation for Licensing Violations
      • 06. Licensing: Licensee Applicants/Renewals Given Probation For Criminal Histories
      • 07. Probation For Criminal Histories, Continued
      • 08. Conclusion
    • Utah MLO Case Study (1 questions)
    • Utah MLO Quiz (5 questions)
  • Module 5
    • Utah MLO Post-License Training [23 Activities]
      • 01. 5 Hour UT-DRE: Post Licensure Continuing Education Course
      • 02. Non-Disclosure for Mortgage Loan Originators
      • 03. Right To Own or Non-Community Ownership
      • 04. Property Tax Collection for MLOs
      • 05. Mortgage Products in Utah
      • 06. The Utah Housing Corporation
      • 07. Who Signs - Authorization to Sign Documents
      • 08. Marketing and Advertising
      • View Additional Activities
        • 09. Joint Marketing and Marketing Services Agreements
        • 10. The State of Utah, Division of Real Estate
        • 11. Regulation Definitions for Loan Originators
        • 12. Rule Changes 2016, 2017, and 2018
        • 13. Utah License Law and Regulation
        • 14. Licensee Qualification and Application Processes
        • 15. License Qualifications and Applications for Businesses
        • 16. Exemptions to Licensure and Activities That Require Them
        • 17. Compensation and Personal Liability for Loan Originators
        • 18. License Maintenance
        • 19. Recordkeeping and Reporting
        • 20. Sanctions for Licensees
        • 21. Consumer Protection in the Real World
        • 22. The Utah Residential Mortgage Loan Education, Research, and Recovery Fund
        • 23. End of Class
    • Utah MLO Post-License Case Study (1 questions)
    • Utah MLO Post-License Quiz (6 questions)
  • Course Completion
    • BioSig Authentication - End
    • Final Exam (25 questions)
    • Mandatory Questionnaire
    • MLO CE Feedback
    • Certificate of Completion
    • Certificate of Completion

Instructor Bio


sheri wytcherley real estate atyourpaceonline
Sheri has been an online instructor for AYPO's Real Estate education classes for over 5 years and is a licensed real estate instructor across the United States.

Growing up in a military family, Sheri became very patriotic, developed an adventurous spirit, and grew passionate about helping people.

In 2005 Sheri became a principal broker and opened Oregon Ranch & Home Real Estate in order to better serve her clients. She received the honor of being ranked #5 in Southern Oregon for dollar volume sold for 2008, during one of the most challenging years the market has seen in decades.

"Common sense, integrity, and a quick wit. These are qualities I admire".