🎯 SAFE MLO Mortgage Exam: Qualifying the Buyer

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Master one of the most important concepts on the SAFE MLO exam—qualifying buyers—with this targeted breakdown of creditworthiness, ECOA compliance, application data requirements, and more. Whether you're weeks away from your exam or just starting out, this video is packed with real-world phrasing, test-relevant scenarios, and the knowledge-based content you need to feel confident on exam day.

📌 Timestamps – Jump to the section you need:
00:00 - Creditworthiness Assessment (ECOA Focus)
00:36 – Creditworthiness factors (e.g., payment history, income, stability)
08:50 – Factors prohibited under ECOA (e.g., race, gender, marital status)
15:23 – Application data required by Regulation B
22:42 – Circumstances permitting loan denial
28:52 – Adverse action notice timing and contents
33:53 – Action when borrower refuses demographic data

🎯 What You’ll Learn
✅ What lenders evaluate when determining borrower creditworthiness
✅ Key elements protected under the Equal Credit Opportunity Act (ECOA)
✅ Data you must collect under Regulation B—and how to stay compliant
✅ Legitimate reasons to deny an application
✅ What to include in an adverse action notice
✅ How to handle demographic refusals properly

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⚠️ Disclaimer:
This video is for educational use only. Licensing requirements and exam content may vary by state. Verify all details with your licensing agency or official exam provider. Birdsy cannot guarantee outcomes and assumes no liability for exam performance.