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This comprehensive guide is an excellent resource for mastering the modern mortgage principles and practices essential to understanding the financing of residential real estate as generally applied to all states. The mortgage industry has gone through a major transition in recent years changing from a sales environment to a professional one. As a result, the mortgage professional today must be more knowledgeable and ethical in meeting the financial needs of consumers. This NMLS-approved course is designed to help mortgage professional's master the 20-hour SAFE Act pre-licensing requirements for mortgage loan originators. All major regulations such as the SAFE Act, the Truth in Lending Act, the Equal Credit Opportunity Act, RESPA, the Fair Credit Reporting Act, GLBA, the Dodd-Frank Wall Street Reform and Consumer Protection Act, and other industry-changing legislation is identified and explained in a clear and understandable manner. This book walks you through what is a mortgage, how is it calculated, what is a mortgage loan originator's role and responsibility, how one is paid, and what legislative actions shape and are shaping the role of the mortgage loan originator. Major concepts are reinforced through learning objectives, extensive examples, chapter summaries, review questions, critical thinking questions and key term reviews. Use the online interactive flashcards to review key terms and concepts. Also, updates are posted at www.cengage.com/realestate/mortgage to keep you up-to-date on new rules and regulations.