I just passed my first attempt with a 79%. I did a 2 week MLO course through Mortgage Educators. Then I read through the summary pages of the text book. After reading the summaries, I just watched review videos of Affinity with Atricia Woods, Claysmille & Rocky’s Study Buddy rapid fire. I listened to the videos EVERY DAY for one month. I did not purchase compu cram, any grids or other materials outside of the original course. So just wanna say these videos help ALOT. Watch while you drive, while you eat, work or anything. A 79% is still passing and for the first try AMAZING! Thank you for these videos !!!!
I just passed my test today, 88% on my first try. You are a MAJOR part of why I passed, so I had to drop by to say thanks! Your voice popped into my head many times during the test!
My pleasure Cella! I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam!
@@raulromero123 it wasn’t as bad as i thought it was going to be. I did not pass but now i know what to expect and I’m sure I’ll pass it next time in 30days
Just passed my exam today on my second attempt. These videos were definitely the difference maker that led me to be successful this time around. Huge thanks Lance , God bless!
Studying for my exam w/ a 2023 textbook and here are some discrepencies for those studying along: In 2021, QM changed so that the 43% backend ratio is replaced by APR to APOR test, it's now a APR cannot exceed APOR by 1.5% on 1st lien or 3.5% on sub liens for safe harbor. In 2023, several fines were updated: CFPB: $6,813 on 1st Tier , $34,065 on 2nd, $1,362,567 on 3rd SAFE: $34,401 TILA: $13,627 on first violation, $27,252 on subsequent DNC: $50,120 I'm confused on FACTA here though, as FTC increased FCRA penalty to $4,705 (See 2023 FTC Civil Penalty Inflation Adj Memo) For Finance Charges there may be a mistake there: The CFPB posted in Section 1026.4(b)(3) that Appraisal fee , investigation fee , and credit report fees are included as Finance Charges Everything else seems good, thanks for the video.
Just passed my exam with an 80% on the first try and I attribute it to allll of your MLO videos and Artricias nmls crash course affinity video. Thank you for explaining and reiterating everything so clearly!!!!
You're very welcome! I'm grateful to be part of your success journey! Congratulations on passing the test! Make sure you get a good mentor as your begin your career as a MLO.
Hey Lance, I just passed my exam with a 91% on the first try! You and MLO Study Buddy were a huge reason for my success. The way you communicate the material makes it really easy to understand. Thank you and onward!
My pleasure Chris! I'm grateful that God enabled me to play a role in your success journey! And thank you for those sentiments. Your words really warm my heart!
Hey. Im an ordained pastor who is working towards my mortgage license. Long story. Anyway, Ive watched most of your videos all the way through several times. Your knowledge and character have been invaluable. God bless and thank you. 🙏
Thank you for all your videos. I rotated through these religiously during my drives to work and my end-of-the-day walks. After months of studying I took my test and passed on the first time! May you be blessed for your kindness & generous gift! I couldn’t have done it without you.
Hi Elise, I'm grateful to be part of your journey. When you get a chance, can you post a rating and review on my Facebook page?: facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682
I passed yesterday on the first try with an 85%. I watched this video several times and even watched it in the parking lot before my test. Thank you for the great test review video! If I can give any advice regarding the test, get Compucram and take all the tests until you score a 90% on them. The questions are not the same as the MLO test but it gives you the practice of taking a 120 question test.
I rarely post comments on youtube, this actually could be my first…. A huge THANK YOU to Lance and his videos. Passed with an 89 first time, thanks to you. -side note, watch the videos consistently, especially this one and the pop quizzes, and make sure you’re consistent 85-90+ on compucram simulated tests. You’ll pass no problem. Just identify those stupid quirks that people tell you about
My pleasure! I'm grateful that God has given me this ability and opportunity to make a positive difference! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam! Let's keep in touch. I have a private Facebook group called "Friends of Loan Officer Lance Claysmile Smith"
Violations for the Do-Not-Call lsit fee is now $50,120 as of 2023. Great video, because it's a couple years old it needs updating but most of this is awesome!
Praise God! Claysmile, which online class would you recommend for the MLO. I believe I am ready to take on the course, however want to stay clear of any online scams classes.
I passed on my first attempt today. Thank you for all your videos. Your videos and the late Ms. Articia were very helpful. You were my companion for 3 months, listening to you on my early morning walks, background noise while at work, and before going to bed. Now, I need to start applying for job.
You're very welcome Haidee! And thank you for sharing that feedback! I'm grateful to be part of your success journey! Congratulations on passing the test and my advice to you regarding selecting a job is make sure you select a mortgage company that will provide you with a good mentor because mentorship is very key to the success of new loan officers.
Thank you so much for providing these videos. Thanks to you and the late Artricia Woods' program- Affinity Real Estate & Mortgage Training, I was able to pass the MLO test the first time on Jan. 20, 2023. May you have continued success. May everyone else be blessed on passing the exam.
I just passed my test today with first attempt! I have to stop by and say “Thank you!” For your great video and love the way you explained and clear voice!
Just passed my exam on the 1st attempt and I must give ample credit to Clay and the Affinity legacy. I paid close to $300 at online Ed for training and they didn’t have the acronyms and strategies that you will find here. Thank you for doing what you do!
My pleasure! I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam!
Just passed today first try with a 76%! I started watching these videos on the first day I started the class and never looked back. Every single video helped along the way. The PDFs as well, those were the difference maker the night before! I cannot thank you enough and my wife (who is very excited that we get to go back to listening to music in the car) thanks you! Much Love from GA ❤
You are very welcome! And thank you for that feedback. I'm grateful to be part of your success journey! Congratulations on passing the test! That is a huge blessing!
You're very welcome! I'm grateful that God enabled me to play a positive role in your journey. Congratulations on passing the exam and I wish you the best as you start this new chapter of your life. One piece of advice I would give you about your career as an MLO is this: Make sure you find and connect with a great mentor because that makes a huge difference!
Congratulations Preston! And thank you for that feedback! Your message really warms my heart and exhilarates me. I'm grateful to have played a part in your success journey!
I just barley failed my test the first time, I discovered your videos and also purchased the compucram studying material and passed my second time and was confident the whole test! These videos helped a ton, thank you!!!
I feel soooooo happy and sooooo blessed that I can finally say thank you after watching from the sidelines and implementing your teachings ! I passed today with a 75% you are heaven sent . Your passion to help others is so inspiring 🤍🤍🤍 THANK YOU🙏🏾
Hi @Claysmile this video helped me pass my exam with an 80% after watching this every day for about 3 weeks. I just want to thank you for uploading all of your mortgage videos i definitely wouldn't have been able to pass my exam without those videos, you are a blessing thank you so much!
That is awesome! God's grace is amazing! Thank you for those sentiments! That really warmed my heart. And congratulations on passing the exam! Let's keep in touch. You can find me on Facebook by searching Lance Claysmile Smith
My pleasure! And congratulations Karen! If you happen to meet anyone who is studying for the test, please let them know about this RUclips playlist. Thanks.
Thanks! I appreciate that! Teaching others helps me in my process of mastering the material because the process of teaching forces us to master the material on a deep level... I'm grateful to be part of your journey. For more MLO test preparation resources, check out my friends at www.MLOStudyBuddy.com
Just passed my test today with a 78% thanks to your videos! I self studied out of the book and your videos helped out a lot. I was extremely stressed out, so it was a huge relief coming across your content. Thanks for the help Clay. I will definitely be recommending you to other people going through the struggle
My pleasure Deedee! I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam! Let's keep in touch.
Thanks for putting this together! I just took the test for the first time today and got a 92%! Your study notes here helped for sure - specifically the APR, 10% tolerance, and Qualified Mortgage lists.
Also, I have a Facebook page called "NMLS Test Prep Educator Claysmile". When you get a chance, please leave a rating and review. Here is the link to the page: facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682 Also, I just want to make sure you are aware of these additional resources: Join the private Facebook group “Life After Test - For Mortgage Loan Originators”: facebook.com/groups/1307411746301458 Thank you and I look forward to keeping in touch with you along your journey!
Thank you for all the time and energy you put into this video and others like it. I hope you know how many people you are helping. I have purchased the affinity course both 20 hr and test prep. They are great but so are your videos. Great supplement. Keep it up. 👍
Thank you and I'm part of a Facebook study group called "MLO Study Buddy Group - Let's pass the S.A.F.E exam!"... And here is a detailed game plan for passing the MLO test: #1: Complete all the modules of the Affinity Mastery Course but don’t do any of the practice exams (save those for later). Print out and read through the 800+ Facts (from the Affinity Mastery Course). The course also has an audio version of the 800+ Facts that you can listen to as well. In fact, some people like to listen to the 800+ Facts and read along with it instead of just reading the printed version. #2: Make sure you watch the 4-hour video (in the Affinity Mastery program) #3: Make sure you go through the Audio Flashcards (in the Affinity Mastery program). #4: Stay plugged into The Study Buddy Facebook group: facebook.com/groups/257646308865682/ #5: Consistently attend Rocky's group study sessions (found in the Study Buddy group. In the group, Rocky posts the ZOOM link to his classes). In Rocky’s classes, you will master the 800+ Facts. After you master the 800+ Facts, then go back and do all of the practice exams of the Affinity Mastery Course. #6: Print out Jen's Cheat Sheet (found in the “files” tab in the Study Buddy group). #7: Check out the several documents posted in the “files” tab in the Study Buddy group. You will see great resources from Jack Carpenter, Summera Shaikh, Charlee Jacobs, Adam Crandall, and Vicky Rowe #8: Check out the “events” tab in the Study Buddy group for upcoming special events. #9: If you want a study partner, post a request in the group. #10: Check out my RUclips playlist of MLO study videos: ruclips.net/p/PLSeUah3czymM0VEk2dqbeiaEeQnzctfcp #11: Also, in case the Thinkific platform is easier for you, I organized many of my those videos into this free course: claysmile.thinkific.com #12: If you have any questions, feel free to post them to the group. Also, if for some reason you cannot find Rocky’s class, post a message in the group and someone will help you to get connected. And after you pass the test and when you start to look for sponsorship, I highly recommend that you try to secure a LOA (Loan Officer Assistant) position with a high-producing MLO in your local area because that type of position will help you master the art and science of originating and closing loans and will put you on the fast track to becoming a high-producing MLO.
Sir would like to thank you for all these videos. I just passed my test and I know these video were a huge help part of that. I constantly reviewed them on walks, runs while showering and they stuck. Thanks again.
I have to say, your training is so amazing. Very easily explained and easy to understand. I've really learned more watching your videos than I have reading the book. Thanks!!!
Congratulations on passing the exam. What was most troubling for you on the exam? Any additional tools or recommendations for success other than the general course? Thanks in advance.
Thank you so much for all of your videos. I watched them at home and listened to them while driving. They really gave me good tools to remember a lot of info. I’m happy to say that I passed on my first attempt with an 86%!
Congratulations Julian!! I'm grateful to God for allowing me to play that role in your journey. If you get a chance, please leave a rating and review on my facebook business page: facebook.com/TestPrepEducatorClaysmile
Hey Remy, small world!! And that's awesome how you remember me! Great to reconnect with you! And by the way: I'm part of a Facebook study group called "MLO Study Buddy Group - Let's pass the S.A.F.E exam!"... And here is a detailed game plan for passing the MLO test: #1: Complete all the modules of the Affinity Mastery Course but don’t do any of the practice exams (save those for later). Print out and read through the 800+ Facts (from the Affinity Mastery Course). The course also has an audio version of the 800+ Facts that you can listen to as well. In fact, some people like to listen to the 800+ Facts and read along with it instead of just reading the printed version. #2: Make sure you watch the 4-hour video (in the Affinity Mastery program) #3: Make sure you go through the Audio Flashcards (in the Affinity Mastery program). #4: Stay plugged into The Study Buddy Facebook group: facebook.com/groups/257646308865682/ #5: Consistently attend Rocky's group study sessions (found in the Study Buddy group. In the group, Rocky posts the ZOOM link to his classes). In Rocky’s classes, you will master the 800+ Facts. After you master the 800+ Facts, then go back and do all of the practice exams of the Affinity Mastery Course. #6: Print out Jen's Cheat Sheet (found in the “files” tab in the Study Buddy group). #7: Check out the several documents posted in the “files” tab in the Study Buddy group. You will see great resources from Jack Carpenter, Summera Shaikh, Charlee Jacobs, Adam Crandall, and Vicky Rowe #8: Check out the “events” tab in the Study Buddy group for upcoming special events. #9: If you want a study partner, post a request in the group. #10: Check out my RUclips playlist of MLO study videos: ruclips.net/p/PLSeUah3czymM0VEk2dqbeiaEeQnzctfcp #11: Also, in case the Thinkific platform is easier for you, I organized many of my those videos into this free course: claysmile.thinkific.com #12: If you have any questions, feel free to post them to the group. Also, if for some reason you cannot find Rocky’s class, post a message in the group and someone will help you to get connected. And after you pass the test and when you start to look for sponsorship, I highly recommend that you try to secure a LOA (Loan Officer Assistant) position with a high-producing MLO in your local area because that type of position will help you master the art and science of originating and closing loans and will put you on the fast track to becoming a high-producing MLO.
Just passed 84% First Attempt Mec practice test and listening to all of your videos on Repeat. The videos done ( On This Board ) is great! Thanks for the content.
You're very welcome Andre! I'm grateful to be part of your journey!: I have a Facebook page called "NMLS Test Prep Educator Claysmile". When you get a chance, please leave a rating and review. Here is the link to the page: facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682 Also, I just want to make sure you are aware of these additional resources: Join the private Facebook group “Life After Test - For Mortgage Loan Originators”: facebook.com/groups/1307411746301458 Thank you and I look forward to keeping in touch with you along your journey!
Thank you Lance, To take the time to put a video together like this and care so much about internet strangers. We need more Lances in the world Thank you
My pleasure! I'm grateful that God has given me this ability and opportunity to make a positive difference! And thank you for your sentiments. That really warms my heart! Let's keep in touch. I have a private Facebook group called "Friends of Loan Officer Lance Claysmile Smith"
Just passed with an 89% on first try. Ur da man. I used oncourse learning, affinity definitions, and RUclips. Test just has so many things where more than 1 could be possible if you don’t know ur stuff very well. Thx for the help 👊👊👊
Re: all of your NMLS exam videos, Lance you have and are still helping us with this seriously difficult exam by reminding us of the myriad of detailed facts. In the car, walking, chores, you were there like the other Elise (previous viewer) said. Thank you so much! 💯
jennifer is fricken awesome!! and you are, too! I was like "how am I supposed to memorize all this information? the dozen or so different bureaus and how they relate to each other??" but this acronym way of memorizing things is golden!
Thank you very much ! This breakdown helped me pass the exam I barely made it 76% on my first try and I don't think I would have done as well without this guide.
Awesome! My pleasure! And when you get a chance, can you leave a rating and review on my facebook page: facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682
Thanks! I appreciate that! What is your name? Also, I'm part of a Facebook group called MLO Study Buddy Group (it's free): facebook.com/groups/257646308865682
Thank you for your videos! I watched them in addition to other prep work while preparing for the exam, and I passed on my first try even though I have no real estate experience. Thank you!!!
My pleasure. and Here is a step-by-step game plan for passing the NMLS test: #1: Complete all the modules of the Affinity Mastery Course but don’t do any of the practice exams (save those for later). Print out and read through the 800+ Facts (from the Affinity Mastery Course). The course also has an audio version of the 800+ Facts that you can listen to as well. In fact, some people like to listen to the 800+ Facts and read along with it instead of just reading the printed version. #2: Make sure you watch the 4-hour video (in the Affinity Mastery program) #3: Make sure you go through the Audio Flashcards (in the Affinity Mastery program). #4: Stay plugged into The Study Buddy Facebook group: facebook.com/groups/257646308865682/ #5: Consistently attend Rocky's group study sessions (found in the Study Buddy group. In the group, Rocky posts the ZOOM link to his classes). In Rocky’s classes, you will master the 800+ Facts. After you master the 800+ Facts, then go back and do all of the practice exams of the Affinity Mastery Course. #6: Print out Jen's Cheat Sheet (found in the “files” tab in the Study Buddy group). #7: Check out the several documents posted in the “files” tab in the Study Buddy group. You will see great resources from Jack Carpenter, Summera Shaikh, Charlee Jacobs, Adam Crandall, and Vicky Rowe #8: Check out the “events” tab in the Study Buddy group for upcoming special events. #9: If you want a study partner, post a request in the group. #10: Check out my RUclips playlist of MLO study videos: ruclips.net/user/playlist... #11: Also, in case the Thinkific platform is easier for you, I organized many of my those videos into this free course: claysmile.thinkific.com #12: If you have any questions, feel free to post them to the group. Also, if for some reason you cannot find Rocky’s class, post a message in the group and someone will help you to get connected.
I had a question on one of my practice exams “What is the maximum penalty for someone who commits Mortgage Fraud?” - Answer 30yrs in prison and/or 1million dollar penalty
Okay but I had done some studying and nothing was sticking; I watched this video on the way to the testing site and the night before the test. Arrived and wrote down all of the acronyms and %s on the scratch paper as soon as I arrived and I got a 75%! Without this, I would’ve failed! You saved my life!!
I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam! Let's keep in touch. facebook.com/TestPrepEducatorClaysmile
You’re so underrated man, I’m in Rocky’s study group right now and going over Jen’s cheat sheet. She actually referred me to your videos as well, my test is next Wednesday wish me luck!
I’m a little nervous and I want to pass from the first time . I was wealth banking manager for HSBC and I worked from 14 years . I loved now to the states and I want to pursue my career further .
I just passed my first attempt with a 79%. I did a 2 week MLO course through Mortgage Educators. Then I read through the summary pages of the text book. After reading the summaries, I just watched review videos of Affinity with Atricia Woods, Claysmille & Rocky’s Study Buddy rapid fire. I listened to the videos EVERY DAY for one month. I did not purchase compu cram, any grids or other materials outside of the original course. So just wanna say these videos help ALOT. Watch while you drive, while you eat, work or anything. A 79% is still passing and for the first try AMAZING! Thank you for these videos !!!!
You are very welcome! I'm glad that the videos helped and I'm grateful to be part of your success journey. Congratulations on passing the test!
I just passed my test today, 88% on my first try. You are a MAJOR part of why I passed, so I had to drop by to say thanks! Your voice popped into my head many times during the test!
My pleasure Cella! I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam!
How was it?? I take mine tomorrow I’m nervous lol
@@the500dollabilz2 how was it
@@raulromero123 it wasn’t as bad as i thought it was going to be. I did not pass but now i know what to expect and I’m sure I’ll pass it next time in 30days
@@the500dollabilz2 aye thank you! I know you’ll pass! just keep studying!
Just passed my exam today on my second attempt. These videos were definitely the difference maker that led me to be successful this time around. Huge thanks Lance , God bless!
Studying for my exam w/ a 2023 textbook and here are some discrepencies for those studying along:
In 2021, QM changed so that the 43% backend ratio is replaced by APR to APOR test, it's now a APR cannot exceed APOR by 1.5% on 1st lien or 3.5% on sub liens for safe harbor.
In 2023, several fines were updated:
CFPB: $6,813 on 1st Tier , $34,065 on 2nd, $1,362,567 on 3rd
SAFE: $34,401
TILA: $13,627 on first violation, $27,252 on subsequent
DNC: $50,120
I'm confused on FACTA here though, as FTC increased FCRA penalty to $4,705 (See 2023 FTC Civil Penalty Inflation Adj Memo)
For Finance Charges there may be a mistake there:
The CFPB posted in Section 1026.4(b)(3) that Appraisal fee , investigation fee , and credit report fees are included as Finance Charges
Everything else seems good, thanks for the video.
Thanks for those updates! And are you part of this awesome MLO test prep group?: www.MLOStudyBuddy.com
Just passed my exam with an 80% on the first try and I attribute it to allll of your MLO videos and Artricias nmls crash course affinity video.
Thank you for explaining and reiterating everything so clearly!!!!
You're very welcome! I'm grateful to be part of your success journey! Congratulations on passing the test! Make sure you get a good mentor as your begin your career as a MLO.
Hey Lance, I just passed my exam with a 91% on the first try! You and MLO Study Buddy were a huge reason for my success. The way you communicate the material makes it really easy to understand. Thank you and onward!
My pleasure Chris! I'm grateful that God enabled me to play a role in your success journey! And thank you for those sentiments. Your words really warm my heart!
Hey. Im an ordained pastor who is working towards my mortgage license. Long story. Anyway, Ive watched most of your videos all the way through several times. Your knowledge and character have been invaluable. God bless and thank you. 🙏
My pleasure and thank you pastor for the ministry work that you do. By the way, for more resources, check out www.mlostudybuddy.com
I took my SAFE exam on Thursday and passed with 84% on my first try. I'm so grateful to you. Thank you.
Congratulations!! That's awesome! I'm grateful to be part of your journey!!
Thank you for all your videos. I rotated through these religiously during my drives to work and my end-of-the-day walks. After months of studying I took my test and passed on the first time! May you be blessed for your kindness & generous gift! I couldn’t have done it without you.
Awesome! You are very welcome! And congratulations on passing the exam! Thank you for letting me know! I'm grateful to be part of your journey!
Hi Elise, I'm grateful to be part of your journey. When you get a chance, can you post a rating and review on my Facebook page?: facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682
Just passed the test with 85% on the first try. This content is super helpful to memorize the law contents.
Congratulations on passing the test! I'm grateful to be part of your success journey!
I passed yesterday on the first try with an 85%. I watched this video several times and even watched it in the parking lot before my test. Thank you for the great test review video!
If I can give any advice regarding the test, get Compucram and take all the tests until you score a 90% on them. The questions are not the same as the MLO test but it gives you the practice of taking a 120 question test.
I rarely post comments on youtube, this actually could be my first….
A huge THANK YOU to Lance and his videos. Passed with an 89 first time, thanks to you.
-side note, watch the videos consistently, especially this one and the pop quizzes, and make sure you’re consistent 85-90+ on compucram simulated tests. You’ll pass no problem. Just identify those stupid quirks that people tell you about
You are very welcome Alex! I'm grateful to be part of your success journey!
Thank you much for this advice. I take my test may 20. 8 days away. Ive been a mortgage processor for 12 years so hoping for the best 😊😊
I just passed my mlo exam this morning with a 79 on my third try. Thank god I found your videos. Thank you so much
My pleasure! I'm grateful that God has given me this ability and opportunity to make a positive difference! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam! Let's keep in touch. I have a private Facebook group called "Friends of Loan Officer Lance Claysmile Smith"
Violations for the Do-Not-Call lsit fee is now $50,120 as of 2023. Great video, because it's a couple years old it needs updating but most of this is awesome!
Thanks! If possible, could you send me a list of all of the things that need to be updated?
@Claysmile this is just something I came across in my pretesting. I'm not sure of other updates. I'm sorry but I appreciate what you do!
Just passed my test today and it is 100% because of your videos
Congratulations Michael! I'm grateful to be part of your journey!
Just wow!
I just passed yesterday after failing last month. Your videos were a huge help regarding my study process. Thank you so much!
Praise God! Congratulations on passing the exam. I'm grateful to be part of your journey!
Praise God! Claysmile, which online class would you recommend for the MLO. I believe I am ready to take on the course, however want to stay clear of any online scams classes.
I passed on my first attempt today. Thank you for all your videos. Your videos and the late Ms. Articia were very helpful. You were my companion for 3 months, listening to you on my early morning walks, background noise while at work, and before going to bed. Now, I need to start applying for job.
You're very welcome Haidee! And thank you for sharing that feedback! I'm grateful to be part of your success journey! Congratulations on passing the test and my advice to you regarding selecting a job is make sure you select a mortgage company that will provide you with a good mentor because mentorship is very key to the success of new loan officers.
Thank you so much for providing these videos. Thanks to you and the late Artricia Woods' program- Affinity Real Estate & Mortgage Training, I was able to pass the MLO test the first time on Jan. 20, 2023. May you have continued success. May everyone else be blessed on passing the exam.
You're very welcome! I'm grateful to be part of your success journey. Congratulations on passing the test!
I just passed my test today with first attempt! I have to stop by and say “Thank you!” For your great video and love the way you explained and clear voice!
You're very welcome! And thank you for that feedback. I'm grateful to be part of your success journey!
Just passed my exam on the 1st attempt and I must give ample credit to Clay and the Affinity legacy. I paid close to $300 at online Ed for training and they didn’t have the acronyms and strategies that you will find here. Thank you for doing what you do!
You are very welcome! I'm glad that the videos helped and I'm grateful to be part of your success journey. Congratulations on passing the test!
Just passed with 88% on first attempt. Clay- BIG THANK YOU for your videos. They played a bigger role in cracking the exam. Thank you very much !!!!
My pleasure! I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam!
Stopped by to show my gratitude and appreciation for this man. He helped me to pass my test on the first try! Much love!
This is awesome! I take my test in two weeks! Big prayers going up!
For more resources, check out my friend Rocky's group: www.mlostudybuddy.com
Just passed today first try with a 76%! I started watching these videos on the first day I started the class and never looked back. Every single video helped along the way. The PDFs as well, those were the difference maker the night before! I cannot thank you enough and my wife (who is very excited that we get to go back to listening to music in the car) thanks you! Much Love from GA ❤
You are very welcome! And thank you for that feedback. I'm grateful to be part of your success journey! Congratulations on passing the test! That is a huge blessing!
How can i get pdf reviewer?
Clay, passed my test today. I thank you for your efforts creating online content. It was a huge bonus for me. Go Terps!
Thank you for these videos I passed my exam yesterday!!! Awesome job my friend!!! 😊🙏🏼💪🏼
Congrats 🎉 what did you score and tips please!! I test on Monday
@@iv2880 I scored 80%. Take as many practice tests as you can do
Thats awesome ! I test in a few hours listening to this course now
You're very welcome! I'm grateful that God enabled me to play a positive role in your journey. Congratulations on passing the exam and I wish you the best as you start this new chapter of your life. One piece of advice I would give you about your career as an MLO is this: Make sure you find and connect with a great mentor because that makes a huge difference!
You’re the reason why I passed. I tried to Google things before and failed 4 times. I passed Wednesday! Your videos were the difference! Thanks alot!
Congratulations Preston! And thank you for that feedback! Your message really warms my heart and exhilarates me. I'm grateful to have played a part in your success journey!
I just barley failed my test the first time, I discovered your videos and also purchased the compucram studying material and passed my second time and was confident the whole test! These videos helped a ton, thank you!!!
You're very welcome! I'm grateful to be part of your success journey. Congratulations on passing the test!
I feel soooooo happy and sooooo blessed that I can finally say thank you after watching from the sidelines and implementing your teachings ! I passed today with a 75% you are heaven sent . Your passion to help others is so inspiring 🤍🤍🤍 THANK YOU🙏🏾
You're very welcome April! And thank you for those sentiments! I'm grateful to be part of your success journey!
Hi @Claysmile this video helped me pass my exam with an 80% after watching this every day for about 3 weeks. I just want to thank you for uploading all of your mortgage videos i definitely wouldn't have been able to pass my exam without those videos, you are a blessing thank you so much!
That is awesome! God's grace is amazing! Thank you for those sentiments! That really warmed my heart. And congratulations on passing the exam! Let's keep in touch. You can find me on Facebook by searching Lance Claysmile Smith
New subscriber you are an excellent teacher and please tell Jennifer we thank her for her great help with the acronyms.
Thanks! And here is the website where Jennifer and Rocky are: www.mlostudybuddy.com
I take my test this Thursday. I only had 10 days to prepare so I’m hoping your videos will help my last 3 days of cramming for it!
Also, to attend some live study groups, check out www.mlostudybuddy.com
Couldn't have done it without you, thank you so much. I passed on my first attempt...
My pleasure! And congratulations Karen! If you happen to meet anyone who is studying for the test, please let them know about this RUclips playlist. Thanks.
I passed my test yesterday 80% I just want to say thank you . Your videos are so good. I love your excitement and they way you break things down❤️❤️❤️
You are very welcome! I'm grateful to be part of your journey!
I just passed my exam!!! Thank you!!
I am a multi state real estate broker, this is awesome Clay! Love it!!!
Thanks Tori, I appreciate that!
Thank you for the perfect study videos, giving you a lot of credit for the reason I passed the test. Keep fighting the good fight my friend.
You're very welcome and I'm grateful to be part of your success journey! And thank you for your encouragement!
my test is Wednesday & i've retained more from this one video than my 50+ house of reading the book/doing practice tests. THANK YOU!!
You're welcome. Also, we also have a lot of study documents, including Jen's cheat sheet, in this Facebook group: facebook.com/groups/257646308865682
Just the fact that you did all this to help others is amazing, thank you 🙏
Thanks! I appreciate that! Teaching others helps me in my process of mastering the material because the process of teaching forces us to master the material on a deep level... I'm grateful to be part of your journey. For more MLO test preparation resources, check out my friends at www.MLOStudyBuddy.com
Thank you for this video I just passed my test finallly !!!!! ❤️❤️❤️❤️🙌🏾🙌🏾🙌🏾🙌🏾
Congratulations! I'm grateful to be part of your journey!
Just passed my test today with a 78% thanks to your videos! I self studied out of the book and your videos helped out a lot. I was extremely stressed out, so it was a huge relief coming across your content. Thanks for the help Clay. I will definitely be recommending you to other people going through the struggle
Congratulations Kade! I'm grateful to be part of your journey!
Thanks a lot I had all the info without a clear order , now I watching every concept from a different view god bless taking exam in 2 weeks
You're very welcome. And check out my friend Rocky's additional free resources: www.mlostudybuddy.com
Your videos helped me so much! I passed on the first try with a 75! I can never thank you enough:)
My pleasure Deedee! I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam! Let's keep in touch.
Thanks for putting this together! I just took the test for the first time today and got a 92%! Your study notes here helped for sure - specifically the APR, 10% tolerance, and Qualified Mortgage lists.
My pleasure! I'm grateful to be part of your success journey!
Also, I have a Facebook page called "NMLS Test Prep Educator Claysmile".
When you get a chance, please leave a rating and review. Here is the link to the page:
facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682
Also, I just want to make sure you are aware of these additional resources:
Join the private Facebook group “Life After Test - For Mortgage Loan Originators”:
facebook.com/groups/1307411746301458
Thank you and I look forward to keeping in touch with you along your journey!
I just passed my exam today on my first try . I got an 80% 🥳🥳🥳, your videos were a great help . Thank youu ❤️
My pleasure! I'm grateful to be part of your journey!
Thank you for all the time and energy you put into this video and others like it. I hope you know how many people you are helping. I have purchased the affinity course both 20 hr and test prep. They are great but so are your videos. Great supplement. Keep it up. 👍
Thank you and I'm part of a Facebook study group called "MLO Study Buddy Group - Let's pass the S.A.F.E exam!"... And here is a detailed game plan for passing the MLO test:
#1: Complete all the modules of the Affinity Mastery Course but don’t do any of the practice exams (save those for later). Print out and read through the 800+ Facts (from the Affinity Mastery Course). The course also has an audio version of the 800+ Facts that you can listen to as well. In fact, some people like to listen to the 800+ Facts and read along with it instead of just reading the printed version.
#2: Make sure you watch the 4-hour video (in the Affinity Mastery program)
#3: Make sure you go through the Audio Flashcards (in the Affinity Mastery program).
#4: Stay plugged into The Study Buddy Facebook group: facebook.com/groups/257646308865682/
#5: Consistently attend Rocky's group study sessions (found in the Study Buddy group. In the group, Rocky posts the ZOOM link to his classes). In Rocky’s classes, you will master the 800+ Facts. After you master the 800+ Facts, then go back and do all of the practice exams of the Affinity Mastery Course.
#6: Print out Jen's Cheat Sheet (found in the “files” tab in the Study Buddy group).
#7: Check out the several documents posted in the “files” tab in the Study Buddy group. You will see great resources from Jack Carpenter, Summera Shaikh, Charlee Jacobs, Adam Crandall, and Vicky Rowe
#8: Check out the “events” tab in the Study Buddy group for upcoming special events.
#9: If you want a study partner, post a request in the group.
#10: Check out my RUclips playlist of MLO study videos: ruclips.net/p/PLSeUah3czymM0VEk2dqbeiaEeQnzctfcp
#11: Also, in case the Thinkific platform is easier for you, I organized many of my those videos into this free course: claysmile.thinkific.com
#12: If you have any questions, feel free to post them to the group. Also, if for some reason you cannot find Rocky’s class, post a message in the group and someone will help you to get connected.
And after you pass the test and when you start to look for sponsorship, I highly recommend that you try to secure a LOA (Loan Officer Assistant) position with a high-producing MLO in your local area because that type of position will help you master the art and science of originating and closing loans and will put you on the fast track to becoming a high-producing MLO.
You dive in quick. Not much unnecessary words, love it!
Thanks Gabrielle! I'm grateful to be part of your journey!
Thank you so much for for doing these videos. I truly believe they helped me pass my exam. You helped it to make sense.
Sir would like to thank you for all these videos. I just passed my test and I know these video were a huge help part of that. I constantly reviewed them on walks, runs while showering and they stuck. Thanks again.
I just passed my NMLS Test today!!! Thank you for this breakdown, it helped me tremendously!!!
You're very welcome! Let's keep in touch! Here is my Facebook page: facebook.com/TestPrepEducatorClaysmile
I passed my test today, Thank you
You're very welcome. And congratulations on passing the test! I'm grateful to be part of your journey!
I have to say, your training is so amazing. Very easily explained and easy to understand. I've really learned more watching your videos than I have reading the book. Thanks!!!
You are very welcome Jae! Thank you for sharing those sentiments. I'm grateful to be part of you journey.
Thank you for your vids, passed on the first attempt. Practice tests just aren’t the same as the real thing, what a headache but glad to have survived
Congratulations on passing the exam. What was most troubling for you on the exam? Any additional tools or recommendations for success other than the general course? Thanks in advance.
Thank you so much for all of your videos. I watched them at home and listened to them while driving. They really gave me good tools to remember a lot of info. I’m happy to say that I passed on my first attempt with an 86%!
Thank you. Praise God! I'm grateful to be part of your success journey!
Thanks for the videos! I passed on my first try from your videos! 🎉
You're very welcome Dimitri! I'm grateful to be part of your success journey. Congratulations on passing the test!!
I passed my test yesterday, and you played a major role in that. I appreciate you for that. Keep doing what you are doing!
Congratulations Julian!! I'm grateful to God for allowing me to play that role in your journey. If you get a chance, please leave a rating and review on my facebook business page: facebook.com/TestPrepEducatorClaysmile
@@Claysmile will do!
Instead of no tolerance you mean unlimited tolerance for the last part. This is tolerance for increase above estimated prices.
Yes, thanks for clarifying that!
Hey! you're the guy that did an assembly at my elementary school in the early 2000s. Now you're giving me tips for the MLO exam in 2021. That's wild!
Hey Remy, small world!! And that's awesome how you remember me! Great to reconnect with you! And by the way: I'm part of a Facebook study group called "MLO Study Buddy Group - Let's pass the S.A.F.E exam!"... And here is a detailed game plan for passing the MLO test:
#1: Complete all the modules of the Affinity Mastery Course but don’t do any of the practice exams (save those for later). Print out and read through the 800+ Facts (from the Affinity Mastery Course). The course also has an audio version of the 800+ Facts that you can listen to as well. In fact, some people like to listen to the 800+ Facts and read along with it instead of just reading the printed version.
#2: Make sure you watch the 4-hour video (in the Affinity Mastery program)
#3: Make sure you go through the Audio Flashcards (in the Affinity Mastery program).
#4: Stay plugged into The Study Buddy Facebook group: facebook.com/groups/257646308865682/
#5: Consistently attend Rocky's group study sessions (found in the Study Buddy group. In the group, Rocky posts the ZOOM link to his classes). In Rocky’s classes, you will master the 800+ Facts. After you master the 800+ Facts, then go back and do all of the practice exams of the Affinity Mastery Course.
#6: Print out Jen's Cheat Sheet (found in the “files” tab in the Study Buddy group).
#7: Check out the several documents posted in the “files” tab in the Study Buddy group. You will see great resources from Jack Carpenter, Summera Shaikh, Charlee Jacobs, Adam Crandall, and Vicky Rowe
#8: Check out the “events” tab in the Study Buddy group for upcoming special events.
#9: If you want a study partner, post a request in the group.
#10: Check out my RUclips playlist of MLO study videos: ruclips.net/p/PLSeUah3czymM0VEk2dqbeiaEeQnzctfcp
#11: Also, in case the Thinkific platform is easier for you, I organized many of my those videos into this free course: claysmile.thinkific.com
#12: If you have any questions, feel free to post them to the group. Also, if for some reason you cannot find Rocky’s class, post a message in the group and someone will help you to get connected.
And after you pass the test and when you start to look for sponsorship, I highly recommend that you try to secure a LOA (Loan Officer Assistant) position with a high-producing MLO in your local area because that type of position will help you master the art and science of originating and closing loans and will put you on the fast track to becoming a high-producing MLO.
Just passed 84% First Attempt Mec practice test and listening to all of your videos on Repeat. The videos done ( On This Board ) is great! Thanks for the content.
You're very welcome Andre! I'm grateful to be part of your journey!: I have a Facebook page called "NMLS Test Prep Educator Claysmile".
When you get a chance, please leave a rating and review. Here is the link to the page:
facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682
Also, I just want to make sure you are aware of these additional resources:
Join the private Facebook group “Life After Test - For Mortgage Loan Originators”:
facebook.com/groups/1307411746301458
Thank you and I look forward to keeping in touch with you along your journey!
This video helped a lot! Scored 73% on my first attempt. Aiming for 80% on my second attempt.
Thank you Lance,
To take the time to put a video together like this and care so much about internet strangers.
We need more Lances in the world
Thank you
My pleasure! I'm grateful that God has given me this ability and opportunity to make a positive difference! And thank you for your sentiments. That really warms my heart! Let's keep in touch. I have a private Facebook group called "Friends of Loan Officer Lance Claysmile Smith"
@@Claysmile will definitely join. Taking my exam tomorrow, wish me luck!!
@@minnichud Sending you prayers and well wishes. Please keep me posted.
@@Claysmile passed with a 76%!!!!
This video along with some of your other videos were so helpful, thank you so much 🙏!!
Just passed with an 89% on first try. Ur da man. I used oncourse learning, affinity definitions, and RUclips. Test just has so many things where more than 1 could be possible if you don’t know ur stuff very well. Thx for the help 👊👊👊
Congratulations! And I'm grateful to be part of your journey!
Thank you. This was very helpful. Many of the helpful tips you provided stuck with me. I passed!
Re: all of your NMLS exam videos, Lance you have and are still helping us with this seriously difficult exam by reminding us of the myriad of detailed facts. In the car, walking, chores, you were there like the other Elise (previous viewer) said. Thank you so much! 💯
Thanks! I'm grateful to be able to help!
jennifer is fricken awesome!! and you are, too!
I was like "how am I supposed to memorize all this information? the dozen or so different bureaus and how they relate to each other??" but this acronym way of memorizing things is golden!
Getting ready to take my exam in a few hours, 18 year old LO on the way !!
Thanks to your videos I passed the test yesterday I will be sharing it with anyone they ask, I hope you don't mind! Thank you so much!!!
Congrats 🎉
Congrats! Any tips for taking the test?
@@marvelous9090 Study, Study, then Study some more. Lance's videos were great help.
Thank you very much ! This breakdown helped me pass the exam I barely made it 76% on my first try and I don't think I would have done as well without this guide.
Awesome! My pleasure! And when you get a chance, can you leave a rating and review on my facebook page: facebook.com/NMLS-Test-Prep-Educator-Claysmile-100197295971682
You are the BEST instructor I have come across seriously 😊❤ Thank you so much for sharing! New subscriber 🎉
Thanks Jamie! I appreciate that. And check out my friend Rocky's group too: www.mlostudybuddy.com
@@Claysmile 🫶🏽🤗😍😊 K
I just paid for the Affinity Mastery course and used your Affiliate Link. Thanks brother 💪🏽
Thanks! I appreciate that! What is your name? Also, I'm part of a Facebook group called MLO Study Buddy Group (it's free): facebook.com/groups/257646308865682
Hi, are you also on Facebook? If so, let's connect on Facebook too. You can find me on Facebook by searching Lance Claysmile Smith.
Thank you for your videos! I watched them in addition to other prep work while preparing for the exam, and I passed on my first try even though I have no real estate experience. Thank you!!!
My pleasure and congratulations! That is awesome! I'm grateful to be part of your journey!
I want to say thanks 🙏🏾 I watched a few of your videos especially this one . It helped a lot and I took my test today first Try 80%!
BOOM! Passed 1st try today! Your videos helped tremendously!!! Thank you.
Congratulations! I'm grateful to be part of your journey!
Thank you for this video! This chart is exactly what my mind needed to remember everything in my “head”.
My pleasure. and Here is a step-by-step game plan for passing the NMLS test:
#1: Complete all the modules of the Affinity Mastery Course but don’t do any of the practice exams (save those for later). Print out and read through the 800+ Facts (from the Affinity Mastery Course). The course also has an audio version of the 800+ Facts that you can listen to as well. In fact, some people like to listen to the 800+ Facts and read along with it instead of just reading the printed version.
#2: Make sure you watch the 4-hour video (in the Affinity Mastery program)
#3: Make sure you go through the Audio Flashcards (in the Affinity Mastery program).
#4: Stay plugged into The Study Buddy Facebook group: facebook.com/groups/257646308865682/
#5: Consistently attend Rocky's group study sessions (found in the Study Buddy group. In the group, Rocky posts the ZOOM link to his classes). In Rocky’s classes, you will master the 800+ Facts. After you master the 800+ Facts, then go back and do all of the practice exams of the Affinity Mastery Course.
#6: Print out Jen's Cheat Sheet (found in the “files” tab in the Study Buddy group).
#7: Check out the several documents posted in the “files” tab in the Study Buddy group. You will see great resources from Jack Carpenter, Summera Shaikh, Charlee Jacobs, Adam Crandall, and Vicky Rowe
#8: Check out the “events” tab in the Study Buddy group for upcoming special events.
#9: If you want a study partner, post a request in the group.
#10: Check out my RUclips playlist of MLO study videos: ruclips.net/user/playlist...
#11: Also, in case the Thinkific platform is easier for you, I organized many of my those videos into this free course: claysmile.thinkific.com
#12: If you have any questions, feel free to post them to the group. Also, if for some reason you cannot find Rocky’s class, post a message in the group and someone will help you to get connected.
Just started following your study. Very informative. Thank you
;though you need to put the work into studying, I listened to all your MLO videos and I passed on my first Try!!!! thank you.
Congratulations Christyn! I'm grateful to be part of your journey!
Just passed with 84%, first try. Thanks for the video.
You're welcome! And congratulations on passing the test on the first try!!
Thank you, great staff, preparing for exam on next week.
Thanks! And I have a step-by-step game plan for passing the exam. It's on my Facebook page: facebook.com/TestPrepEducatorClaysmile
I take my test next week and I'm so nervous! I have listened to your video almost everyday for a week to remember it!
For more study materials, check out www.mlostudybuddy.com
Did you pass?
Yes with a 91! @@giiselle9
@@JMeyelscongratulations! Quick question , does this video really relates to the questions of the test?
I love this video thank you Lance I’m taking my test soon.
You are very welcome. I'm grateful to be part of your journey. On Facebook, there is a free study group called "MLO Study Buddy"
I just passed my test
Thank you so much ❤
You're very welcome! Congratulations on passing the test and thank you for your message. I'm grateful to be part of your success journey!
Thank you so much for your kindness !😊
Passed! This video helped put all the pieces together thank you so much!
Congratulations Neal! I'm grateful to have played a role in your success journey!
Thanks Jennifer!
Thanks very much and you are so awesome
Great the way how to explain and made an easy to remember
You are very welcome. And if you would like more resources, check out www.mlostudybuddy.com
Great run down brother. Thank you for taking the time to create this content.
I had a question on one of my practice exams “What is the maximum penalty for someone who commits Mortgage Fraud?” - Answer 30yrs in prison and/or 1million dollar penalty
Thanks Clay for your help! I passed my test yesterday with an 81 percent first try!
You're welcome and Congratulations! That is awesome. And I'm grateful to be part of your journey!
Hi Claysmile, Your MLO Study Video is AWESOME!
Getting ready to take test and I really enjoy your content!
Awesome video really helps someone like me who is new to the industry!
I just passed. Thank you. I had try twice before and fail
You're very welcome. And congratulations on passing the test!
@@Claysmile thank you so much 🙏🙏
Thank you for this helpful video. It is a blessing and I wish you blessings for making it.
Thank you Paul. Praise God! I'm grateful to be part of your success journey!
Okay but I had done some studying and nothing was sticking; I watched this video on the way to the testing site and the night before the test. Arrived and wrote down all of the acronyms and %s on the scratch paper as soon as I arrived and I got a 75%! Without this, I would’ve failed! You saved my life!!
I'm grateful to be part of your journey! And thank you for your sentiments. That really warms my heart! And congratulations on passing the exam! Let's keep in touch. facebook.com/TestPrepEducatorClaysmile
TEN CATS - not in APR. Just sharing what a friend shared with me. Thanks! Love the video.
Hi Mayra - What is TEN CATS?
You’re so underrated man, I’m in Rocky’s study group right now and going over Jen’s cheat sheet. She actually referred me to your videos as well, my test is next Wednesday wish me luck!
Mine is in about in a hour, I hope you pass
@@coachempress good luck, you got this!
Me gusta como explicas, gracias … I like how smooth you explain it thank you!
You're very welcome Edilenis! I'm grateful to be part of your journey!
Just a great lesson …
I can’t thank you enough
You're welcome Lana! I'm grateful to be part of your journey.
I’m a little nervous and I want to pass from the first time .
I was wealth banking manager for HSBC and I worked from 14 years . I loved now to the states and I want to pursue my career further .
Praying I pass my test for my class and the SAFE exam! 🙏🏾🙏🏾🙏🏾
80% today!!!! Let's go!!!!!! 🙏 spreading vibes 🤟
Congratulations Binh! That is awesome!
i played this in the whip for a week before my test and got a 82%🎉
I'm grateful that God enabled me to be helpful in your success journey. Congratulations on passing the exam!