GA MLO study plan

Map every federal statute and regulation named in the SAFE MLO content outline (RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, SAFE Act, GLBA, FCRA, Fair Housing Act, and the CFPB loan originator rules) to a one-page outline of what each law requires of an MLO

Define in your own words the difference between a federally related mortgage loan and a consumer credit transaction, and list three loan scenarios that fall under each

Build a flashcard set of at least 40 terms covering loan types (conventional, FHA, VA, USDA), amortization, PITI, escrow, PMI, and LTV, and self-quiz until you score 90 percent or better

Write out the full definition of a mortgage loan originator under the SAFE Act, including the licensing, registration, and unique identifier requirements, without looking at notes

Calculate monthly PITI, LTV, CLTV, and housing and total debt-to-income ratios for five practice scenarios, showing every step

Explain the ability-to-repay and qualified mortgage rules, including the general QM price-based threshold and the points-and-fees test, in a written summary of at least 250 words

Trace the disclosure timeline for a sample purchase transaction: loan estimate within three business days of application, revised loan estimate triggers, and closing disclosure three business days before consummation

Identify which Regulation Z disclosures are triggered by a high-cost mortgage versus a higher-priced mortgage loan and list the extra protections for each

Sequence the origination workflow from initial inquiry through closing and post-closing, naming the required disclosure or document produced at each stage

Draft a complete loan application intake checklist that captures every item needed for a full 1003 (URLA) file, including income, asset, and liability documentation

Explain the roles of loan processor, underwriter, appraiser, title agent, and closing agent and describe where the MLO's responsibility ends and another party's begins

Describe the appraisal independence requirements under Regulation Z and the borrower's right to receive a copy of the appraisal

Write a code-of-conduct summary covering steering, unfair or deceptive acts or practices, and the prohibition on kickbacks under RESPA Section 8, with one example and one counterexample of a prohibited arrangement

Analyze five short ethical scenarios involving conflicted referrals, undisclosed compensation, or pressure to alter borrower information, and state the compliant action for each

Explain the anti-money-laundering obligations that touch mortgage origination, including suspicious activity awareness and customer identification basics

Describe how ECOA and the Fair Housing Act prohibit discrimination in origination, including disparate treatment versus disparate impact, and list protected classes under federal law

Summarize the Uniform State Test content areas and identify the state-law topics that are adopted uniformly across participating agencies, including licensing, supervision, and disciplinary provisions

Outline Georgia-specific licensing requirements for mortgage loan originators, including the state regulator, pre-licensing education, testing, and renewal obligations

Compare federal SAFE Act requirements with state licensing requirements and list where state law adds obligations beyond the federal floor

Describe state examination and enforcement processes, including what triggers a suspension, revocation, or civil penalty

Explain the permissible and prohibited activities of a licensed MLO under state law, including advertising rules, recordkeeping, and the handling of borrower funds

Describe the reporting obligations that apply to licensees, including changes in personal information, criminal history, and administrative actions, and the deadlines for each

Analyze three state-law disciplinary scenarios and identify the violation, the likely sanction, and the prevention step

Build a compliance quick-reference card for advertising and solicitation that covers required disclosures, prohibited terms, and social media posts

Complete a 50-question timed practice set across Domains 1, 3, and 4 and record your score, timing, and every missed concept

Review each missed question by locating the governing rule and writing a one-sentence correction note for the error

Re-derive from memory the disclosure timing rules, ATR/QM tests, and RESPA Section 8 prohibitions in a blank-page recall exercise

Identify your three weakest subtopics and build a targeted drill of 15 questions for each

Complete two full-length timed practice exams under test conditions and record domain-level scores for each

Close every remaining gap by re-drilling the five lowest-scoring subtopics until you reach 85 percent or better on each

Recite the key numeric thresholds from memory: disclosure timing days, DTI and points-and-fees limits, and licensing renewal cycles

Assemble a final one-page formula and rule sheet to review in the 48 hours before the exam