If you're studying for the SAFE MLO test, this session has insights to help you pass faster and understand what shows up on the exam. I break down the most common student questions and exam traps from debt-to-income ratios to the qualified mortgage rule. Get NMLS exam flashcards for the SAFE MLO test at: 📘 Learn: - Why loan origination fees can't just "change." - Why the 43% rule matters but doesn't always apply. - How to calculate front-end and back-end DTI ratios. - What Safe Harbor means and how it protects lenders. - What's misunderstood about loan estimate tolerances. - What lenders must prove under the Ability to Repay rule. - How APR is calculated and why it's different from the interest rate. Chapters: 00:00 - Session Overview and Loan Estimate 05:45 - Good-Faith Lending and DTI Ratios 15:18 - Practice Question 1 16:36 - Qualified Mortgage and ATR Rules 24:03 - Safe Harbor and Question 2 27:10 - Origination Fees and APR Impact 33:41 - Question 3 and Safe Harbor Wrap-Up Watch these next! #NMLS #SafeHarbor