Continuing Education Online Self-Paced

7 Hour SAFE Core: Maintaining Mortgage Industry Awareness (OSP)

About This Course

Maintaining Mortgage Industry Awareness provides a review of relevant issues facing mortgage loan originators today, specifically those outlined by NMLS as required topics for continuing education. Students will examine provisions of the Truth-in-Lending Act, the TILA-RESPA Integrated Disclosure Rule, and the Qualified Mortgage Rule, including issues related to considering the triggers, tolerances, and thresholds that enable loan originators to determine when disclosures are due and what information is required. In addition, students will take a look at the Real Estate Settlement Procedures Act, specifically rules related to lead agreements, marketing services agreements, co-marketing, desk licensing agreements, and affiliated business arrangements. Students will also review several nontraditional mortgage products, such as adjustable-rate mortgages and fixed-rate mortgages with terms of 15 and 40 years.


SKU 4303US19010A00
  • 24/7 access to your course online
  • Certificate of completion

What You'll Learn

  • Loan Estimate and Closing Disclosure review and triggers for disclosure and redisclosure
  • Thresholds for distinguishing qualified and non-qualified mortgage types
  • Thresholds used to identify entities eligible to make small creditor portfolio loans
  • High-cost and higher prices mortgage loan thresholds and applicable regulations under federal law
  • CFPB's enforcement priorities and processes
  • Legal and ethical concerns related to split fees
  • Disclosure requirements for affiliated business arrangements
  • Penalties for RESPA violations and the use of a penalty matrix
  • Coverage on nontraditional loans
  • Regulatory requirements for origination qualified and non-qualified ARMs
  • Understanding 15 year nontraditional mortgages
  • And much, much more!

How it Works

This is an online self-paced course that allows you to study the course material independently and at your convenience. Access to a computer with internet access is required. Please note this course is only supported for laptop or desktop computers, as NMLS requirements prohibit the consumption of licensing training on mobile devices, such as cell phones or tablets.


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