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  • Published on: 2012-02-01
  • Binding: Hardcover

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Jumat, 28 Juni 2013

[T775.Ebook] Ebook The SAFE Mortgage Loan Originator National Exam Study Guide: Second Edition, by Patricia O'Connor

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Updated with 2015 regulatory changes including the TRID rule, which went into effect October 3, 2015. What's the secret to passing the SAFE Mortgage Loan Originator National Exam? If you answered "memorizing all the questions and answers you can find," you're wrong. You'll have a much better chance of passing the loan originator exam if you understand the material. "The SAFE Mortgage Loan Originator National Exam Study Guide - Second Edition" explains the required information and contains links to additional material. Prepare Yourself for a New Career This updated and enhanced loan originator exam manual includes the latest rulings by the Consumer Financial Protection Bureau. Other topics include: Federal Mortgage-Related Laws SAFE Act Introduction to Mortgage Lending General Mortgage Knowledge Basic Concepts of Mortgage Financing The Loan Application Underwriting, Closing and the Secondary Market Ethics and Fraud Mortgage Terminology There are quizzes throughout the book and two practice final exams to help you test your knowledge; in total, there are more than 400 questions and answers. The author was a licensed mortgage broker for seven years and passed the national exam on her first attempt. Scroll to the top of the page and select the Buy button to get started on your new career.

  • Sales Rank: #39834 in Books
  • Published on: 2013-12-21
  • Original language: English
  • Number of items: 1
  • Dimensions: 11.00" h x .60" w x 8.50" l, 1.41 pounds
  • Binding: Paperback
  • 266 pages

About the Author
Pat O’Connor is a licensed Florida real estate broker, instructor, and owner of The Veritas Real Estate Group, Inc. that she founded in 2004 in Fort Lauderdale. Her company is a licensed real estate school as well as a brokerage firm, and she teaches the Florida Sales Associate Pre- Licensing course on a regular basis. Her real estate transactions include both residential and commercial properties in South Florida, and she was a licensed Florida mortgage broker for seven years. For a short while, The Veritas Real Estate Group was also a licensed mortgage company and school. Pat wrote the original version of this book as a Florida-approved mortgage pre-licensing textbook that she used for her classes. The book has been updated and enhanced over the years. Pat is in the process of writing study guides for those states that require a separate loan originator state exam. Her current list of published titles is available at https://amazon.com/author/ patriciaoconnor.

Most helpful customer reviews

14 of 14 people found the following review helpful.
Everything you need to know to pass the National Exam
By ConsumerAdvocate (dakotad555) at (gmail) dot (com)
I have worked in the mortgage industry for 10 years and as a Loan Officer for the last 5. I am licensed in multiple states but never took the National Exam as I earned all four of my licenses before it was introduced (I ended up paying four 4x SAFE tests, one for each state of licensure--very expensive!). This year I wanted to add a fifth state and needed to take the National Exam in order to do so. I did not want to pay hundreds of dollars through one of the online purveyors of LO training as I've been doing this long enough that it would be a waste of my time and money. What I did want was a refresher of applicable lending laws and guidelines. As any mortgage professional can attest, the content of government mandated tests doesn't have tremendous overlap with the daily tasks associated with writing mortgages.

Patricia O'Connor's eBook was exactly what I wanted and needed. Broken down by sections covering every area of the National Exam, all of the information was clear and well-presented. As a hint for others who have been in the industry a while: the first thing I did was take one of the two practice tests located at the back of the book (passed by the skin of my teeth with a 76%). I then took note of my wrong answers and broken them down into areas of greatest need and studied those chapters specifically. That approach worked very well. I passed the National Exam with a 107 / 115 for 93%, far in excess of the required 75%

What I liked best:
1) Chapters are laid out logically and progress from topic to topic in a seamless way
2) Each chapter concludes with a practice test
3) Each chapter also includes a summary of the main points of the chapter (these are very useful for study purposes)
4) The final exams were VERY similar to the actual National Exam I took
5) The book is FULL of hyperlinks to all applicable data sources for the content of the chapters; this book really is a dictionary for mortgage lending. The research that went into it was fantastic.

What could have used improvement:
1) The "key" for scoring the tests doesn't play nicely with my kindle--the last answer to each string of twenty five questions (25, 50, 75, 100, and 125) appeared on a different page than the rest of the answer which made scoring the practice tests a bit more of a chore than it already is
2) It would be really nice to have a web-link to an online practice test that would allow for faster test taking as scoring

I would not necessarily recommend this book to someone totally new to the industry looking to pass the National Exam for the first time. You may be better off taking a more comprehensive online or live class (at 15-20x the cost of this book!). That said, if you are already reasonably knowledgeable OR have very good study habits, you could absolutely pass the National Exam using only this book, especially if you take all the practice tests at the end of each chapter and the two final exams at the back of the book. If you can pass those, you can pass the national exam. This approach will require more from you, but its totally doable if you're dedicated and take notes as you read.

For my particular purposes, the book was perfect. I did find a few small typos, but they were very rare indeed and did not take away from the quality of the book as a whole. I will be recommending this one to my fellow LOs at my office and have no problem recommending it here on Amazon as well.

*****Update 01-09-2015*****

As the author states in the comments section of this review, this book IS NOT a replacement for the NMLS mandated 20-hour course for those applying for a license for the first time. My situation was a little unique, and I overlooked that bit of information.

Also, regarding the sole 1-star review of this book: I encountered NO questions with wrong answers in my reading of the book or in the practice tests I took. I would ignore any comments to the contrary.

10 of 10 people found the following review helpful.
Passed the exam the first time thanks to this book!!!
By Suzanne Caho
I took my 20 hour pre-licensing class in the beginning of January of this year and I bought this book soon after I finished the course. I just took the national exam yesterday for the first time and I passed!! I can honestly say I learned more from this book than I did from the 20 hour course and I know for a fact I could not have passed the first time without this book. I took my time and read it twice just to make sure I understood all of the information. I think learning all of the definitions from the links in the 9th chapter before reading the rest of the book would've been better and there are a couple typos so check your answers on the quizzes in the chapter because some will say your answer is wrong when you really have it right, but other than that this book was everything I had hoped for. This book helped me so much!! I would recommend this to anyone!

4 of 4 people found the following review helpful.
Get this book if you have failed the SAFE exam
By Melanie Bonanno
I took the SAFE MLO exam twice (and failed) before I purchased Patricia O'Connor's MLO study guide. Just a bit of a background, I have no mortgage related experience whatsoever and i thought, after the 20 hour required course, I had a decent handle on the exam. I was wrong the first time when i scored a 73 and I was wrong the second time when I scored lower at a 70. I was dumbfounded. I studied incessantly for those tests, I rewrote the material, created flashcards, etc. Obviously it didn't work. I know now that I was not clearly understanding the different regulations, which is key. Patricia's study guide is written in a way that helped me get it, finally! I recommend this book only to those that have already completed the 20-hour coursework and score low on the practice exams. In addition to the book, I was constantly taking the practice exams from the course and I fidnt take the exam until I was consistently scoring an 80 or more on the practice test. My 3rd attempt was a victory, I scored an 84. Thank you Patricia!!!

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Minggu, 23 Juni 2013

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  • Sales Rank: #8251667 in Books
  • Published on: 1990
  • Binding: Leather Bound

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Sabtu, 15 Juni 2013

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Making Money With God: Learning to Hear the Holy Spirit, by A. Bruce Wells

Learn how God has included financial provision in our total Redemptive Package, how it's totally based on grace, contrary to most church teaching (no "prove yourself first" probation period, or similar caveats) and learn about the freedom, ease, and fun you can have as God willingly leads you to the money you need and desire. The Holy Spirit knows everything about every situation on the planet, and He's willing to show you what your next financial move should be, from housing, commodities, and stocks, to anything else that could turn a profit. He knows the future and how to make money, or any other information you may need. It would greatly behoove you to learn how to hear him. He knows what the next Google or Apple will be, and He's willing to tell you. Are you hungry enough to learn, or are you still waiting to "qualify"

  • Sales Rank: #2535751 in Books
  • Published on: 2011-06-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.00" h x .38" w x 6.00" l, .51 pounds
  • Binding: Paperback
  • 152 pages

About the Author
A. Bruce Wells was born in Louisville, KY in 1954 and became a Christian in 1977. He began working in the ministry in 1979 and in 1983 left secular employment for full time ministry. That same year Bruce formed BEAUTIFUL FEET MINISTRIES, INC. the non-profit organization under which Bruce would work as a traveling minister, missionary, and pastor. Invitations to speak to a large variety of churches has taken Bruce to 48 states and a number of foreign countries including New Zealand, Australia, Peru, and England. His teachings on Easy Evangelism have been requested and used in quite a number of countries due to the popularity of the series. Many pastors have said that it is the best teaching series on evangelism they've ever heard and it has helped thousands of inexperienced Christians lead others to Christ. Bruce and his wife Marsha love being around the water and they enjoy the perfect winter weather of southern Florida. They have lived on the east coast of FL since 1999 with their 3 sons, Joel, Nathan, and David, all musicians like their dad, and Bruce still travels worldwide in ministry. He continues to write and enjoys playing, writing, and producing worship music. Life is good.

Most helpful customer reviews

1 of 1 people found the following review helpful.
Outstanding; Financial Grace and Wisdom without the Legalism. Who knew?
By Stephen W.
Wow! Thank God for this book! What an incredible gift, for us to be able to actually hear the same Holy Spirit who gave Solomon his wisdom, Abraham his wealth, and led Jesus and His followers into successful ministries. God knows virtually everything about every person, investment, and situation on the planet, and I'm amazed at how hungry this book has made me to know the Holy Spirit better. Mr. Wells' book is very uplifting and full of hope for anyone who needs God's help. It is chock full of testimonies and promises on how God can, and will, talk to us about anything we could possibly need to know. This book is more about the Holy Spirit's leading than money, and now, more than ever, I want a walking, talking relationship with God as Wells convincingly writes about in this book. If you don't want more of God, don't get this book. But, if you do, buy it now!

The Bible affirmed fact that God will help us to make money, without all the legalism that is usually taught, is probably a major revelation for most of us. After reading this book, I feel totally released from the limitations and burdens placed on me from my religious background. I finally feel that I'm really part of God's family, and that He actually "wants" to bless me. The guessing and mystery of obtaining God's help with money matters is finally solved.

Thank you Mr. Wells.

0 of 0 people found the following review helpful.
Eye Opener
By SHOFAR
I loved this book! I would give it 10 stars if they would let me. I was immediately hooked when I read the excerpt on the back of the book that pointed out how, when Peter needed money for taxes, Jesus simply told him where to find the money he needed. How easy is that? There was no jumping through the usual religious hoops, no rebuke from Jesus, no fellow disciples trying to tell Peter why he was in that situation and that being poor was a good thing; and there was no period of "financial probation," as is often implied in the church, before God would meet this very real financial need. This is probably way too much grace for most of us, but it's still true!

What a concept? Financial provision as a part of redemption and grace, without having to prove that you deserve it! Believing that God will actually talk to us, and lead us to financial opportunities simply because we belong to Him, is almost too good to be true, but the abundance of scriptures mentioned in this book are incontrovertible, and it is true. As with Wells' other books, this one is very liberating, sensible, and full of useful information. Thank God for Wells and others like him who are able to take a simple subject that has been polluted and made to be difficult, and bring it back to the uncomplicated, raw basics that will work for anyone. The Gospel truly is good news when the confusion has been stripped away.

Shofar

0 of 0 people found the following review helpful.
Church can't afford to be ignorant any longer!
By Ted Campo
The Church needs to know the Fullness of each believer's redemption through our salvation which includes a new life in Christ, divine healing, prosperity, and wealth. Bruce Wells does an excellent job of teaching believers Whose they are and what was guaranteePulpit in my Kitchend to them individually upon The Cross of Calvary 2,000 years ago. He dares the reader to forsake tradition and legalism for a new found freedom in Christ by examining God's Word and challenging us to believe God for the ENTIRE package of grace in the "now". This book is both practical AND scriptural.It is must reading for those who chose to do it Christ's way, not man's.

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[U496.Ebook] Get Free Ebook Black Water, by Joyce Carol Oates

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Black Water, by Joyce Carol Oates

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Black Water, by Joyce Carol Oates

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Black Water, by Joyce Carol Oates

The Pulitzer Prize-nominated novel from the author of the New York Times bestselling novel We Were the Mulvaneys

“Taut, powerfully imagined and beautifully written, Black Water ranks with the best of Joyce Carol Oates's already long list of distinguished achievements. It can be read in a single afternoon, but, like every good book, it continues to haunt us.”
- The New York Times

Joyce Carol Oates has taken a shocking story that has become an American myth and, from it, has created a novel of electrifying power and illumination. Kelly Kelleher is an idealistic, twenty-six-year-old “good girl” when she meets the Senator at a Fourth of July party. In a brilliantly woven narrative, we enter her past and her present, her mind and her body as she is fatally attracted to this older man, this hero, this soon-to-be-lover. Kelly becomes the very embodiment of the vulnerable, romantic dreams of bright and brave women, drawn to the power that certain men command—at a party that takes on the quality of a surreal nightmare; in a tragic car ride that we hope against hope will not end as we know it must end. One of the acknowledged masters of American fiction, Joyce Carol Oates has written a bold tour de force that parts the black water to reveal the profoundest depths of human truth.

  • Sales Rank: #55384 in Books
  • Brand: Plume
  • Published on: 1993-05-01
  • Released on: 1993-05-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 7.97" h x .43" w x 5.29" l,
  • Binding: Paperback
  • 160 pages
Features
  • Great product!

From Publishers Weekly
In a plot shocking for its blatant familiarity, a figure identified as The Senator tipsily drives a young woman away from a party and off of a dock.A two-week PW bestseller and a BOMC selection in cloth, this novella is gripping and hallucinatory.
Copyright 1993 Reed Business Information, Inc.

From School Library Journal
YA-- ``She was the one he had chosen.'' This is Kelly Kelleher's thought as she leaves the party with a senator, as much a symbol of her desire to change her life as it is the fulfillment of a romantic dream. She's a young woman struggling to assert herself, but this rash move ultimately ends in tragedy. Oates makes readers feel that they are along for the very frightening ride in the car with Kelly and her senator in this shocking, all-too-familiar story. It's fast paced, almost as if to compel readers to keep up with the speeding car. Although brief, the book develops Kelly's character so well that the loss of such a young and promising life is deeply felt. The man sharing the last moments of her life is known only as ``The Senator'' throughout. Even for readers unaware of the true incident that was catalyst for this story, the novel stands strongly on its own . -- Carolyn Koehler, Richard Byrd Library, Fairfax County, VA
Copyright 1992 Reed Business Information, Inc.

From Library Journal
It all began when Kelly Kelleher was introduced to The Senator, a man she had wanted to meet since selecting him as the topic of her senior honors thesis. Charmed and infatuated, Kelly eagerly accepts his invitation to leave the island party where they've met and ride back to Boothbay Harbor together on the late night ferry. Those who remember Chappaquiddick can predict Kelly's ultimate fate, but certainly not the horrors she must have suffered strapped to the seat of a car that would become an aqueous death chamber. Immense courage shines through the tangled streams of her thoughts, memories, and hallucinations. As witnesses to her plight, we can only keep vigil as she drifts in and out of consciousness, waiting for the reprieve that surely must be hers. Oates brilliantly redefines the meanings of guilt and innocence, vengeance and reward in this thought-provoking allegory of our life and times. Highly recommended for all fiction collections. Previewed in Prepub Alert, LJ 1/92.
- Janet W. Reit, Univ. of Vermont Lib., Burlington
Copyright 1992 Reed Business Information, Inc.

Most helpful customer reviews

33 of 34 people found the following review helpful.
Beautifully written, it reads like poetry
By A Customer
The premise for Joyce Carol Oates' tiny novel "Black Water" is the scandalous Chippaquiddick incident that anyone over the age of 40 should be familiar with. But what's remarkable about it is that Oates has transformed this "faction" into a beautiful ballad. The happenings of that fateful night when the black Toyota plunged headlong into the swampy river is told through the eyes of the drowning girl. There's a sense of real pathos in the telling cos it's painfully obvious the girl's impressed with the Senator for the wrong reasons and that he's a cad. The manner of the Senator's escape from the capsized car and his cruel abandonment of her as she awaits hopelessly for her own rescue is a wrench to read. The novel reads like a poem in parts. Maybe there's a song in there somewhere, with a verse, a chorus and a middle eight. By using the drowning girl's vantage viewpoint, Oates has created a powerful masterpiece that's so wonderfully compelling it bears reading over and over again. Truly great stuff !

19 of 19 people found the following review helpful.
An American Psyche, an American Tragedy
By Katie Finn
The event itself is quite simple, and all too common. A drunken ride with a tragic ending. This is what Joyce Carol Oates gives us on the first page. From there her prose backpedals through Kelly Kelleher's childhood, adolescence, and young adulthood into the hours leading up to her death, which is described in nearly every chapter. The repeated death scene lends to the intensity of the novel. One would expect the book to go forward into the investigation of the accident, yet instead its narration goes backwards. Where, then, are the surprises? The surprises come in Oates's biting prose and in her portrayal of a female growing up in modern America with the ancient pressures of beauty and normalcy, as well as the more recent pressures of ambition and intellectual pursuits. In every chapter, there are thrilling sentences that left this reader in awe of Oates's strength as a writer. For example, this sentence leaves the reader feeling as thrown around as Kelly in the out of control Toyota: "In the jolting car they did seem immune to any harm, still less to a vehicular accident, for The Senator was driving in a way one might call recklessly, you might say his judgment was impaired by drink but not his skill as a driver for he did have skill, handling the compact car as if by instinct and with an air too of kingly contempt, so Kelly was thinking, though they were lost, though they would not make the 8:20 PM ferry after all, she was privileged to be here and no harm could come to her like a young princess in a fairy tale so recently begun but perhaps it would not end for some time, perhaps." The plot focuses on the interactions between Kelly and a never named Senator. They meet at a Fourth of July party, spend an afternoon filled with sexual tension together and decide to spend that night in a motel. It is the Senator's drunken haste that causes the accident, but this is not Oates's focus. Instead, it is the life forces contending within Kelly Kelleher that have made her make the decision to accompany a drunk man her father's age to a motel, out of part sexual desire, part political ambition. The plot is not the most gripping aspect of this novel. Instead, it is the character development. One chapter begins, "She did not believe in astrology, in the breathless admonitions and Ben Franklin-pep talks of the magazine horoscopes, nor did she believe in the Anglican God to Whom-in Whom?-for Whom?-she had long ago been confirmed." The reader glimpses into this woman's psyche and comes away feeling slightly disturbed. Not in the sense that one has seen into the inner workings of an imbalanced person, but because one has seen the inner workings of a completely `normal,' functioning person, whom we would herald in this society as a model of integrity and intelligence. These inner workings are rational and logical, yet at the same time damaging and frightening. The dichotomy between her outer self and her inner self is the most disturbing aspect of this book. What is most intriguing about this novel is its size. Not only is it short in length, but frequently its chapters are no more than a few pages, sometimes even a single paragraph. The effect is that one feels that before Kelly dies in each chapter, her life is flashed before her eyes and we are the witnesses to that event. I highly recommend this book. It is a quick, intense read.

19 of 20 people found the following review helpful.
American girls, politics, tragedy, deterrence.
By Tom Schmidlin
With her novel Black Water, Joyce Carol Oates has taken a sad occurrence in American political history, the Chappaquiddick incident, and explored it from the perspective that most of America and the media did not consider when the accident happened, that of the young woman who lost her life in the car crash. She then utilizes that perspective to put forth a compelling statement of the deterrent effect such an incident should have on other "American girls" who would follow in the footsteps of Mary Jo Kopenkney, whom Oates bases the main character, Kelly Kelleher, upon.
The book's most striking feature is its unconventional structure. Though it is only 154 pages long, it is divided into 32 chapters, some of which are only a page long, and two parts. The chapters often repeat sections of the story over and over, adding a little more information or changing the perspective just a bit, until ultimately the reader receives a fully constructed picture of the incident and the preceding events.
Oates chooses to delve deeply into the main character, Kelly Kelleher, and leave the would-be antagonist with just a vague descriptive title, The Senator. There are several reasons for this, among them a kind of ironic objectification of the political figure in a way similar to the media's treatment of Mary Jo Kopenkney, and to focus the reader's attention in such a way that he or she realizes that the identity of The Senator is not what is important. It is what he represents, a glossy, distinguished portrait of American political success that is most vital to Oates's thematic concerns. Oates is addressing the attraction that some young women in our society feel for that political success, and the resulting ways that cold and selfish men can manipulate that attraction. Black Water is a wake up call for those who would be Kelly Kelleher, an "American girl" who is led into a dangerous, even fatal, situation by letting herself be controlled by a man's esteem and political power. Oates wishes that those who would follow in Kelly's footsteps to see the incident as a deterrent, a warning, and she makes this absolutely clear with her inclusion of a detailed description of the death penalty in chapter 30. The death penalty is intended as a deterrent to would-be criminals, and Oates wishes Kelly Kelleher's "death penalty" to be seen in this way as well.
The novel's prose style is simple and pristine. Oates leaves aside complicated, dense language in order to better communicate her thematic concerns. At times the structure can be a bit confusing because of the repetition, but the average reader should have little trouble. Its subject matter is somewhat dark in tone, but that is simply the nature of the theme, which inherently requires a grave and serious approach. With this novel, Oates has achieved an excellent balance of pleasurable reading with the exploration of a vital issue. I highly recommend this book to any reader, regardless of your favorite genre.

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