Thank you so much for watching: Passing the NMLS Exam - Understanding the Math for the NMLS Exam Please click here to download our 12 tips to passing the NMLS exam (link: www.mlotrainingacademy.com/12tips)
@@tattoos.carlos postponed it Need a few more days. Doing compucram and xl prep like crazy. Getting mid80s but want to break 100. Also studying notes. Want to be 100 percent confident not 70!
I passed with an 82 on first try. Def recommend Affinity with her. I like her voice and you won't fall asleep! Can't wait to take continuing education class with you next year!
Took my test today and passed first try!!! Her videos are awesome. If you’re taking it in current years, be sure to double check some info since some small details aren’t up to date. May she rest in peace ❤ ty affinity!!
Hello everyone, I took my test Aug 9th, and passed. So freaking excited- after my 3rd attempt taking the class wirh other companies this was the BEST YET- was worth the videos and paying for the actual class through affinity . I saw others mentioned having a lot of POA questions , same happened to me. And I feel she doesn’t cover much of that even on her purchased program- perhaps needs to be updated. I asked someone as why so many POA questions , they say after COVID POA became a huge deal in the mortgage industry. Just FYI. But again, going over her videos was major help. More than the other classes I took- good luck everyone !
The way she explains everything has helped me tremendously! Definitely gone way too soon RIP gem. I hope I pass my test tomorrow. Thank you Queen for all your help. Because of u I will never forget my regs! TILA the Godzilla!!!
Thanks for these videos! I just passed my test on the first try today! Your videos and explanations helped tremendously! When taking the exam I could hear your voice in my head saying watch out for this question or that question! I must have watched them 3x each over the last week.
I discovered your videos the morning of my test. I quickly realized I didn't know enough. I kept listening to your videos during the hour drive to the test center and until I was asked to put my phone away for the test. Your videos helped me pass this test! I can't thank you enough! Thank you!
I am watching the videos now. Do you know with her passing will there be new and updated videos? I am still going to take one of my course through them.
I credit your videos as being the number one reason why I passed the exam today on the first try. Thank you so much! You are a phenomenal teacher, which is definitely appreciated when studying for a difficult test like the NMLS exam.
I took and passed the MLO Exam (on the first attempt) on the 29th of Dec, 2018. Your videos were a tremendous help. Your explanation of TRID/TILA/RESPA were awesome. Thank you for sharing these with us.
I took and passed the MLO Exam on August 15, 2020. Your videos were a tremendous help. And Your explanations were awesome! Thank you for sharing these with us!!!
Hi there,did you just recently take the test? Was information you may share that may be critical or has changed recently on any of the material or videos she has if you watched any besides this one? I know each test is different. I take mine Wednesday and just curious about it. Thank you
WOW stumbled over this lady, related to MLO education/ testing, She is spot on as an educator, telling you straight on how to approach this subject and test approach. Clear, and matter of fact with example driven questions .
This was the BEST video ever. I was struggling with the problems, reading the formulas and hearing them are totally different. I appreciate that you have us a couple of problems per calculation. I scored way higher in my math section on my compucram after this video. 💚
I'm taking my NMLS Safe exam for the first time in a few short hours. When I pass, it's going to be because of all of your videos I've had on repeat for weeks!
I already have my real estate license in Georgia, but I needed to understand the math portion to better serve my clients and myself, my confidence has moved me to a higher level. You are a great teacher, thank you so much.
I took the 20 hours class from my local school, and I've learn so much just by watching two of your videos, I knew the material but I did not understand it the way you explain everything make it so easy for taking the federal exam even your practice question are similar to the ones I saw in the exam and did not know how to answer them even though I knew the material. thank you so much, you have no idea of how helpful your videos are. thank you a million. God bless.
I wish my instructor would have taught me these math questions. Her ego was too high for her during the webinar. She was like " I don't need to be walking you guys over 4 grade math" the acronyms to the questions are what get me. I have to get these math questions down to pass the test its my last thing I working on before I go in to take the test.
Unfortunately I took another prelicensing class because I did not know of this one. I have been studying from your videos and you have already helped me so much more. You have a great way of explaining and breaking it down - thank you! I will send everyone in the future to you as well as take my CEU through Affinity, if you offer it.
It should be illegal for them to purposely use other words to confuse you. This country is not out to help people but to watch them fail. It's like you study something so how are they allowed to test you on something that is different. It makes no sense.
I paid to do training pro also and didn't realize i only had two weeks to use my study materiel which I didn't start using till week two , now it's gone and I'm left to find my own study info. This was very helpful
Nicole, I take my exam tomorrow. I also used another course that was not worth the $260 I paid. I then found Affinity Training Academy the last week before my exam and I purchased their basic on course and it was WELL worth the money. I just wished I had known about them a month ago. If I don't pass my exam tomorrow I will continue studying under their program and buy the flash cards. They are amazing. Have you taken your exam yet?
Hailing from Atlanta Georgia! You are such a Genius! I've only been watching you for 3 days...The light Bulb came on immediately. I am definitely gonna pass my test this Saturday. I will keep you posted. Thank You!!!!
I am so thankful for you, I honestly felt like I was not getting it, I passed the classes and the final and still felt like I could not remember anything , until I found your videos , now I feel like I’m preparing for the test properly, thank you
i can NOT thank you enough for helping me prep for me Exam. I was feeling lost until i found your videos. YOU are a precious Gem for helping those in need.
THIS IS THE BEST!!! Thank you. ** ON my calculator - I get the answer WITHOUT pressing the =equal button. example 90,000 * .62 then press the percent%button and then press the /divide by button by the #12....THE ANSWER IS THERE ON THE CALCULATOR SCREEN FOR MONTHLY PMI. - - Do not press the equal button -not on my calculator bcz it then calculates it again further giving a completely different number.
I've been procrastinating so much. I need to hurry up and take it, I've been looking at your videos and I definitely feel like I've learned more here than I did on the courses that I took. Thanks!
@@mona-checkoutmychannel7656 Thanks! Nice!! Good luck!! Well, I’ve been a real estate agent for several years now. I decided to get my MLO license because I had many clients who needed a Spanish speaking agent and I couldn’t find someone to help. 2 years ago I jumped into this and loved it, but this year I’ve decided to take it easy and pursue other ventures. I’ve slowed down on both real estate and LO for now, but it is very rewarding, you can basically work from anywhere so it’s very convenient.
@@ivan199120 oh that's cool that you did both. And thank you! Did you work for any of the big companies? And yessss that's what I've heard about it being rewarding
The question at the 30 minute mark needs more info. It states that he intends to take out a loan from his 401k for the down payment, therefore the loan payment needs to be included in the TOR to determine maximum payment amount. Also, the last question is asking for just the HER and is not asking for the maximum payment the borrower can qualify for, which is what she answered. The answer just so happened to be the HER amount by coincidence.
IN THE BEGINING YOU SAID DIVIDE IT BY 6 BUT YOU MEANT TO SAY 2 (INTEREST PAYMENTS FOR THE HALF YEAR) AND IT CONFUSED THE LIFE OUT OF ME. BUT, I MUST SAY, PHENOMENAL VIDEOS. I HAVE MY TEST ON MONDAY AND THESE HAVE MADE ME FEEL MORE PREPARED!
Thank you so much for all of these video's! Your such a great teacher and you present things that I can understand them and remember them so much better. I'm feeling much better about this test now.
The only issue I had was being told to press equal when it should have been press the percentage sign. It took me a few times to determine what I was doing wrong, I got B at first for my answer and after I heard press the percentage sign, I got the right answer.
Thank you so much for breaking down the math problems for us. You guys have the best videos ever. I will definitely be sharing your page. Thanks again!
Wow, I want to pay you!!! Thank you!!! On the last example the wife only worked two months, prior to that she was being trained in the military so I thought it was a trick b/c she didn't have two years work experience but thankfully they do count military service as work experience. Glad to know!!!
Thanks so much for all your videos. I'd love to take the course with you. I am prepping on my own and when I do not understand something I try to find your explanations. THANKS
I love all of her points of clarification here. However, remember there is a difference between the Market Appraised Value of a home and the Tax Appraised Value of the same home. Typically, (Hopefully) the tax appraised value is much lower than the market appraised value.
Thanks for all your videos. Wonderful teacher. I have a question for the very last example. At the end of the problem, It says base on House expense ratio. Why we have to calculate the debt to Income as well? I understand the formula says we choose the lesser but in this specific question they are saying only base on House Expense Ratio. Thanks for your observations.
Shouldn't the $ amount of interest delcine as you pay down the principal? So using the loan amount to find the annual interest amount requires way more calculation that that. You can't just divide it by 12 for monthly, or multiply it by 5 for 5 years. The amount you pay in interest each month will depend on the remaining principal balance. Your Kackalations would suffice for the very first month, but everything after that would be incorrect.
at 30:55 you stated conventional loan rather than FHA. I'm sure it was an error but it sort of threw me off verbally. I Just went with what the problem said. All in all your videos have really been helpful. thank you so much. send me some well wishes!
Question: Are the therms "front end ratio" and "back end ratio" used interchangeably? , because the instructor references them both when discussing "Qualifying Standards" and " Conventional /FHA " ratios
Thank you so very much for your videos. I kept listening to all of them and it helped me pass my exams last week. I am very much in debt to you and Clay Smils for all the videos explaining everything in details. Those pop quiz were a life saver for me. Stay blessed and continue to help others. I would love one day to return the favor by teaching this course.
