I came across this video and THANK GOD I did! I listened to this course 3-4 times (at home, driving in the car, etc) over the weekend and took notes. On Monday, I PASSED on my first attempt! I wish she was still alive today because I would definitely thank her for explaining everything in an easy-to-remember format. Yes a few things are now outdated, however, I didn’t get any questions pertaining to specifics w/penalties $ amount. She was also right, don’t focus too much on the math, as I only had 2 math problems. Needless to say, this course helped and I hope it helps the next person too! Good luck & may God be with you as He was with me!
Congratulations with passing exam on first attempt. Let me ask you have you studied any other sources while preparing to this exam. I bought nmls study guide 2024-5 from mometrix. Is it enough for safe passing exam? Thanks
@@rfranklin999 my apologies for the delayed reply. I took the required pre-licensing course, but to be honest this exam review stuck with me the most. I purchased flash cards, made my own, but I don’t feel as if I learned enough to prepare me for the exam, so I opted to find something else (without paying more $) and this is the one! The way she explains it makes it so much easier to memorize.
Artricia’s impact lives on!! I passed with an 84 on my first try after literally listening to this course on repeat for the last 2-3 weeks! Lord bless her soul!!
@@lukasbelletete9I did practice questions and exams on prepXL but I feel like listening to this video daily is what helped the information stick and I know for a fact that I correctly answered a good amount of question from the tips and information in this video. I also went over some study sheets so collectively it all played a role
Just took my exam today and passed with a 75% !! First try !! This video is a gold mine. Thank you and Rest in Paradise Atricia. All I did was take theCEshop course which I finished a little over 2 months ago and did not touch , then suddenly watched this video , wrote EVERYTHING in my notebook , rewatched sections while driving to work , studied my notebook , a few quizlets , and took the practice exams from The CE shop , but I only studied for about 2 or so weeks before I took it ! But what was the most important factor without a shadow of a doubt was God . My 75% score is a testament ! Have faith in God and with His strength you can do all things . Can’t describe how crucial of a factor He was throughout the whole process and I wouldn’t have passed without my faith !! God is the way ! Always !! God bless all of you guys on your journeys ! You can do it !!!
@@lukasbelletete9 about 4-5 or so for me, but all we’re pretty much about front-end (housing expense ratio) and back-end (Debt-to-Income ratio) ratios, so they were pretty easy. I’m pretty sure you can’t be given more than 7 or so , so try not to worry about math too much like how Atricia said in the video
@@swethasolipuram1900 I only studied this video religiously, a few quizlets and the Exam Prep Course practice exams from the CE Shop which was where I took my 20 hour course
Just passed the test today 83% on first try. Thank you artricia for the gift that keeps on giving. Rip For those wondering yes this works. On top of the 20hr course (which i took 4mos ago), i only studied this for week. Outdated for april 2024, but enough to get 80+ %. Suggest to supplement with latest flood insurance min and max amounts. Also get latest dnc call list penalty amount
Still VERY relevant 10.18.2024 - Just took my test today and passed with an 82% on my first try!! My study method was this: watch this video, take notes throughout the video. and then watch this over and over again. I would listen to this recording EVERYWHERE, even while at the gym. At night I would read my notes, which I believe that was key. Then I would watch the video again while looking at my notes (adding more things as I needed). I didn't really take any practice tests. This video is GOLDDD by itself. I also used Quizlet, there was an Affinity Practice Exams page that I found with over 300 flashcards that I included in my studying mix. Thank you for everything, Artricia. May she rest in peace! Good luck to everybody! P.s. I think I only got like 3 math problems, and they were very simple.
Just found it thank you all so sooooo much for sharing these tips! I will be sharing mine as well once I pass! Blessings to everyone and Happy new year my FELLOW MLO’s ❤🦾
Hello! I just passed the test this past Monday 12/16 with an 80% score. This was my 2nd attempt. I failed with a 72% the first time a few months ago. Words of advice 1) Go through all of her videos to make sure you cover the flood insurance, etc. 2) Get a notebook and write down each slide and highlight and underline the important terms that she calls out. 3) Listen to this video word for word at least 4 times. Good luck!
I watched this video about 9 times. Took notes. I knew I was ready when I started scoring 80+ on practice tests. Master reading the question to really understand what they’re asking. My study course had flash cards when I could recall about 85% of the answers correctly I knew I was understanding it.
I am so grateful for this video. I just passed with a 94% and supplemented my 20 hour course and PrepXL with listening to this video on my commute each day. Some of the info and numbers are outdated, but the concepts are the same. For a free resource, this video is great!
Praise God!! I passed the test yesterday with 80%!!! I did an online course back in Oct 2023 & finally decided to schedule my exam. I was looking on TH-cam for a video to help me prepare for the exam & came across this, thank you Mrs. Articia!! This is all I studied. I took notes, made flashcards and listened to it a few times. The test was hard not going to lie! All her tips came in handy. They did have a few questions about flood insurance and coverage requirements, so I also suggest to study that beside this video. But I can say 1000% this video prepared me and help me pass. RIP Mrs. Articia, you made a difference in so many lives.
Was there questions on the test about any clauses for you? I’m freaking out bc my LO friends are telling me that the MEC course was sufficient and I’ll be fine but I joined the MLO study buddy group and I hear a bunch of borrow stories about people failing multiple times and that the 20hr course is not enough and all this and all that and
@@KRVKENx The 20 hr course is very thorough. Which can make it challenging to prepare for the exam because it is so so much information to try to remember. This is why is video is an amazing tool to help you pass the NMLS exam. The only topic that she did not cover that the exam did have a few questions about was Flood insurance. Everything else I felt totally prepared by all of the information given on this video. Just like Mrs. Articia says, they do try to trick you in the wording of the questions. So just read carefully each question but you will have enough time. I had about 20 minutes left after I finished all 120 questions and reviewed a few I flagged. You can do it!!! Rooting for you!!
Passed today on first try with 81% using a few platforms but spending the last couple days leading up to the exam playing this video on repeat! Thank you, Artricia!! RIP Angel!!
Took my test yesterday (11/18/2024). 1st try, passed with an 89%. This crash course was an excellent resource. Used this plus the PrepXL test exams. I did six of them and got scores on those varying from 81% - 88%. Artricia has left a real legacy in helping us prepare and pass this exam! A big thank you!
just passed today with an 82%, second try. this video is the holy grail of study material for this topic. I almost wanna say this video is art, no book/video/paid course even compares to this, and its 5 years old! Watch this video multiple times and take notes. RIP Artricia 🙏
Took and Pass my test today with a 82% First Attempt !!! I took the 20h class and this video certainly was SO HELPFUL!! I could hear this lady’s voice all during my test. Wonderful tips and excellent explanations ! 100% recommended material (just check for a few current updates ). I was so sorry to learn this amazing teacher has passed. She still brings so much value and an impact on our community !! Thank you!
Passed!! 2024 test taker here.. So many times during the test I could hear Artricia’s reminders. Even though she’s no longer with us, the impact she still has with these videos is amazing! Thank you Miss Woods 🙏🏽
Thanks be to God I passed my test today with a 78% on the first try, after studying intensively for a week. I found this video a couple of days ago. I listened to it twice, taking notes the second time I heard it. I could hear her voice while testing. She was truly gifted. She was an excellent teacher. Rest in Peace Artricia. 🙏
I want to say a big Thank You! I found this video 1 week before my exam, and it changed everything I was trying to memorize through the course of 20 hours. I felt overwhelmed and was not sure what to expect! Thanks to this video which I was listening as much as I could- Today I PASSED my exam from the first try with the score of 83%! Thank you 🙏
Thank you for everything, this video was essential in my passing with a 77%, This is the most useful video on youtube for this kinda thing, i’m never thinking about this test again now
I’m less than an hour from taking my exam. I passed with an 82. I cannot overstate how much this video helped me. I listed to her 2-4 hours a day 4-5 days a week for about 10 weeks. I wish she was here so I could thank her personally!!! RIP 🙏🏿 🙏🏿🙏🏿
Stumbled across this days before my exam and i believe it made the difference. Her teaching style helped me better understand all of the material and she provided the context in a "to the point" style that others couldn't. Just left the test center with a passing 80% grade. I found out Artricia had passed a couple years ago so i hope she was able to see the positive affect she continues to bring us from a higher place 🙏
I just got home from taking my test! I got a 77% ! Thank you! I swear it was like she was in my head!! Thank you Thank you Thank you! I could hear your voice with ECOA- Be equal... TILA the GODZILLA!
Rest in love Ms Atricia just want to say thanks a million for your videos because of it I passed with a 79% on my second try today 10/18/2024, my first try was 73% but took my review with a different online class , with my second try using affinity materials and heavy on The videos watching and listening to it every single day for the last two weeks , I took my time I used up every single second to keep reading the questions and dissected it what is really being ask . I also bought the 500 flash cards , and printed out the updated materials and used that to follow along with the videos to take notes, the videos maybe old but the only difference that needs updating are the penalty fees cause it does change every year . Note I got only 3 math questions today it was heavy on Federal Law and non traditional mortgage , had few Ethics and SAFe but to me those were just bonus to . My first question was about the Unique Identifier number 😅❤❤❤ and of course before I started my first question with a prayer 🙏 GOD is good all the time 🙏😇🙏
It has been a while since I passed the test. I just wanted to come back and pass on how much this video helped me. I am now employed in the mortgage industry and thriving. RIP miss Artricia. You live on through this course and continue to positively affect the lives of others. Thank you!!!!
Passed my exam today with 83%. Thank you to Miss Atricia for the help. Below is the my suggestion 1. Listen to class on repeat as this is helpful and make most topic easy. if it work then make notes on each topic after listening to topic as this will become cheat sheet 2. Take prep exam, i used MEC but heard from many PREPXL are good. 3. Exam is focused on federal. 4. Add Flood Insurance as not covered in these lecture and at least 2 question on test was from it
I just passed today with a 90%! This video was instrumental in passing the exam. Thank you so much! I’m sorry to hear that the presenter passed away. She saved me on this exam.
Just passed the test today, 83%. I listened to this entire lecture about 4-5 times, took notes and studied. This is an EXCELLENT source! I wish Artricia was still around to thank her.
Other than the 20 hour pre-licensing course, was this video the only source you used for studying? Was the information in this video on the actual test?
I took my test on yesterday and I passed with a 75% on my first try!! My birthday is today and my prayers have been answered!! All Praises go to The Most High and this beautiful and anointed Woman right here!! I teared up when I made it to the car because I know it was this video that helped me pass!! I am forever grateful!! Thank you forever and always!!🙏🏾🕊️🫶🏽
Thank God, I just passed my test on the first try today with an 89!!! This video was huge in helping me prepare. I listened to it several times. She is right not to waste too much time on the math. I only had 1 or 2 math problems. Make sure you know the laws inside and out. Thank you for this video. May you continue to live on through it and help many more pass their exams, and may you rest in peace.
11-14-24 I passed with an 80%, thanks to Artricia Woods. I hope her loved ones know how many folks she is still helping today. RIP Mrs. Woods and thank you so much for making this curriculum digestible in a way that no other Teacher could for me. Good luck to those in process of studying and just know that this video will get you where you need to be!
Just passed today with a 79% on my first attempt. I listened to this every morning on the way to work and every night with headphones on while I slept, for almost 3 weeks. You are the 👑. Thank you for everything. Rest easy. 💕
@@Anissalmhello - I saw your question…I took the exam yesterday and it was not hard if you know the material. This video does a great job at explaining so that you can understand the material. For me it was a lot of scenarios and I just need to apply the concepts. 3 math problems….don’t waste time on math instead focus on the material. Lots of question on Federal Law. Good luck.
I would be remiss to not comment on how helpful this video is. I passed my exam on the first try last week. Watched this video 3 times and took a bunch of questions. Only prepped 6 days for this exam. This lady is a gift and after reading these comments it appears that she has passed away. If that is true may she rest in paradise. If she was still here I would’ve told her how much of a blessing she is. Thanks for your help Queen
Rip! Still blessing others. I passed today and give this video 100% credit. The test was hard and couldn't have done it without this video. One and done!
All praises go to the most high and I am very thankful I came across this blessing of a woman. I’ve watched ALL of her videos repeatedly and finally passed with an 84%! Thank you so much ma’am and may you rest in peace.
@@joelmartell1393 no it was on my 3rd try. I found her after failing the first time with a 73. The next was a 74 🤦🏾♀️ so I put all of my focus on my weak areas and 3rd time was a charm for me.
I just passed my test! This video was critical for the federal regulations! My online course left me confused and overwhelmed. Atricia really helped bring understanding that only a true teacher can do. RIP
This video was the main source of information outside the actual books content to secure my license. Passed with Flying colors RIP Angel. Let your legacy continue through this video and I would like to encourage everyone reading this comment to share it with at least 1 person that you know is pursuing MLO. Much regards and Appreciation to you and all those who helped put together this material.
I just passed my exame today in the first try with 81%. Through many questions i could still hear her voice. Thank God that i found this video it helped me a lot.
Thank you Artricia! I don’t know how I could have passed my test today (my 2nd try) without your insightful teachings on this video. I have learned a lot about the mortgage industry. I wish you were around for more updated videos. RIP ❤ 🕊️Your way of teaching is a blessing to us all.
Just passed the exam on my first try this week. I have no doubt that watching these videos played a huge part in that. Watch all her videos and watch this particular one twice. Take notes. Make flash cards. You have to understand the material, otherwise you will not pass. Memorizing things is just not enough. Pair these videos with Compucram’s test prep and keep taking the practice questions and exams until Compucram tells you you’re 100% ready on their meter. Do this and commit to a couple hours of study per day for 2-3 weeks and you should be golden. RIP Artricia and thank you!
Just passed with a 81% , second attempt, because of this video mostly. Thank you Artricia, and Rest In Paradise. Still blessing people with your presence in the afterlife. Purpose served ❤🙏🏽
Just passed the test. I couldn’t have done it without this video. I listen to it religiously. If you listen to this and buy compucram you will pass the test! Compu cram was crucial in passing as well. Best of luck to everyone studying.
I’ve been listening to this for two and a half weeks along with nmls on audible and I passed with 80% on my first try today. Mrs. Artricia Woods was truly a Godsent
I just took the test. I didnt study after the 20 hour course. I took several tests from CompuCram and all the tests did was condition me to their repetitive questions. I never got above 75% from what I learned, but more so what I memorized. I only did that about 3 times. But THEN I watched this video twice. Each time stopping at every regulation to make sure I understood what she was saying. Once I understood the concepts and her emphasis on what I needed to pass the exam, I'd move on to the next topic on the video, remembering key points as I went. I got an 80%. I graded exceptional on federal and moderate everywhere else. THANK YOU!!!
@@harrypottersucks12 excellent question - I am working for a home loan team. I was working with them prior, bringing in business while I was getting my license.
@meganhullett2761 Hello, yes. The information can be outdated, and it is said in the video. It teaches you enough to pass. Funny thing is even if we go by actual numbers say for debt to income, for example. There is a lot more leniency in today's world and you can almost always find a way out of situations with proper documentation.
I passed my test with a 79 thanks to this video. I had to take the twice but she really made an impact on my passing score. I am so thankful that I came across this video. She really broke everything down to a T and I'm so thankful for her.
HEY I WAS SO SCARED AND NERVOUS BRAND NEW TO MORTGAGE INDUSTRY BLESSED TO HAVE THIS VIDEO AND MY BRANCH HELPING ME MAKE SURE YOU WATCH THIS SHIT!! 81% on first try TAKE YOUR TIME I SPENT ALL 3 HOURS LIKE OUR GIRL SAYS I STAYED UP ALL NIGHT AND WATCHED THIS AND TOOK NOTES AND SO MANY STUDY TESTS RIP MISS ARTY ❤️ god bless this video rigjt here
Hello Atricia, the way you explained it was so easy to understand. I took the 20hrs with oncourse and the instructor basically ran through it very quick via zoom. I was still at a lost. I don't recommend oncourse for the 20 hrs. To anyone taking NMLS, if you listen to how Atricia explained it you'll pass. Just listen to this a few times. Don't stress to much on the math. I had like less than 5 math questions. Like Atricia said don't focus to much on the math. I passed on the 1st try with a 78% yesterday. Thank you Atricia. I hope you're doing well in heaven. R.i.p.
I passed the test on June 19 with a score of 80%, and a few days later, I got my NMLS license 🎉. All thanks to Artricia! Without this course, I probably wouldn’t have passed on the first attempt, especially since I was balancing a job and a side business along with test preparation. My advice to everyone: schedule your test within two weeks after finishing mortgage school while the material is still fresh in your mind. I took mine two months later and had to relearn everything. I was most worried about the federal part and focused on that. Thanks to Artricia, I scored well on that section, but to my surprise, I struggled with the products and general knowledge, which I thought I knew best. Don’t be overconfident-study all sections equally. Thank you, God, for helping me and allowing me to become a mortgage professional! Thanks again to Artricia for such an amazing video course. May you rest in peace and live in our memories forever! Praying for your soul! 🙏 I'm also grateful to the Chicago Real Estate Institute for the education, to my wife Oksana and family for their support and belief in me! Praise God!
While I didn’t take my classes through Affinity and I wish I had, I stumbled across this video and let me tell you…. What a game changer. I took the exam last month and got a 74. I just took it today and got an 84. The difference: this video. I watched it 3 times the past 3 days along with other study materials however everything I was presented with in the exam, I remembered from this video. I highly suggest this video to be watched 2-3 times before your exam and also study other materials. Thank you for this video. It made such a difference. I’m a certified appraiser in GA since 2006. And let me tell you. No matter what industry you are in, you NEED THIS VIDEO.
I passed my test today on my first attempt. This video is great. But go over her other videos from Affinity Real Estate as well, as she explains ARMs, flood insurance(amounts are old, find the updated ones), her flash cards and pop quizzes. But before taking the actual test go over at least 2 sets of prep tests so you can experience the exam and learn from all the questions you got wrong. you should be able to pass. She covers it all. You are a beautiful Soul Artricia. Rest in peace .
Passed with an 81%, November 2024! Artricia may you rest in peace, you are incredible & have helped so so many. This is still such a great resource & I heard her voice when I was taking it❤ THANK YOU ARTRICIA!!
I passed today with 83%. Thanks to this video! I came to know about affinity later in the game when I had already purchased the 20 hr course somewhere else. But for test prep, I used this video. Thanks to everyone involved in making of this video.
@@daisycastro279I used quizlets but they weren’t on my test much. The test for me was just like she said you’re gonna know half of it instantly and the other half is gonna be educated guessing no matter how long u study
During my exam, I can hear her voice, don't let them trick you, or you will give them another $ 110😅 You're a great instructor! Thank God I found this vidoe! RIP❤
@Ohanafishing I chose the MEC 20 hour online course and listing to this. That's it. This video for certain information is out dated but the most important thing is she taught us how to think during the exam. Read the questions carefully, then you will be fine!
Artricia helped me pass my exam! I said my prayer right before submitting the test and BOOOM! PASS!!! God is Good! Thank you for everything Artricia praying for you and your family this video was so helpful!
I took and passed the MLO test today in my 1st attempt. Watch this multiple times and memorized it. I highly recommend it. Woods has great teaching methods; straight to the point and great anecdotes that helped me remember the info.
Did you find that any of the info provided was incorrect or outdated ? I’m using this and plan to test within the next 4 weeks ! I just need enough info memorized to pass the exam… would this outdated version do that for me …. TIA !
@@King27331 I studied the course text I took. After, I used this video as a refresher. I also did watch videos of people going over practice tests questions.
Thank you so much Atricia! God bless you.. Your videos are so help. I passed with 82% today (Sept. 19, 2024), on the first try. I am greatful for you and Affinity. Not to mention I love your videos because of the fun you have with it in the training. TOP 5 1. ECOA - You can ask for someone's age at the nightclub but not under ECOA 2. ECOA - It don't matter if you have like 9 different baby daddies and whole bunch of child support you can't discriminate 3. FACTA - I would have loved to have pulled my daughters finance's credit so bad... but I can't 4. MARS - I'm not talking about the planet... but the law 5. USDA - You're like OMG we're doing loans now for meat and cattle! hahaha God bless you and hope to see you in heaven someday. Many blessings!
Just passed my exam today! This video really did help a lot. The way she taught it and explained everything gave me a better understanding. I took a few practice exams as well to prepare. I 100% recommend this video for exam prep/review. Good Luck to everyone that is taking their test soon!
Thank You Atricia! Your explanation on this topic is unmatch. Way better than that 20 hr online course where i was totally lost. too much information to know. i watched this for the past few days and i felt comfortable enough to connect the dots. You are my hero!
I just passed my exam in November 2024 on my first try with 81% using a lot of what I learned from this video and other sources. Tons of helpful tips that still work today!
Thank you Atricia! Passed today with a 75 on the nose after watching this once and her other video things to remember flashcards. Great study material if you want to really understand concepts in the mortgage industry. May you RIP and long live Atricia Woods!
Artricia Woods - thank you for your awesome video series. I passed on the second try with an 82, aftering watching all of your videos several times and reviewing what I learned in my self-paced class.
I passed today with a 76% all because of this video. I took my 20 hours over 3 months ago and I tried to use a Quizlet but it was too inconsistent. When I tell you I listened to this for a week straight and took notes until the second I walked into the building, this is the sole reason I was able to pass on my first try. An absolutely essential study material
Just came accross this video and could not stop listening to the gifted lady while driving and relaxibng at home. She is so good in relaying the information in a catchy way making it easy to remember some of this confusing stuff. Well. I tried to focus on the math and only had just a few. This course really helped and simply walked in with confidence and passed on my first attempt today.
Passed the NMLS exam with a 84% score today, 11/16/2024. Thank you Artricia for your reviewing video. I learned much more from ur video than my 20 hrs pre-license course. May you rest in peace and know that your legacy goes on! P/s: for those who wonders if the video is outdated. Yes some information is outdated such as the DNC fine, and also need to learn about Flood insurance policy but all other info is still good enough to pass 👍
Hello. Is there any other study material you focused on? Or you just only listen and stick with affinity course? Thank you a lot. I have an incoming exam in about 2 more weeks.
@@trungchinhho5756 I mainly listened to this video and took note whenever the instructor said this is important information. My advice is to keep watching and listening to this video over and over again and don't stress out too much on the math problems. I got like 4 math questions and they were really easy simple math. As she said in the video, put your focus on the Federal section and you will be golden :D
@@Hyper-Husky Thank you very much bro. I am taking Mastery Course from Affinity now. Focusing on doing 15 practice test as much as I can. I will take note carefully about Federal section (your advise).
Passed with a 90 today. Oncourse prep XL practice tests 15 times in one week of studying with about an 83 average. Stumbled across this video the night before the test and stayed up until 4 a.m. to watch the entire video and it made a huge difference. Thank you to Ms. Woods!
Passed my test today! First try! This video is everything! First time around I took notes, then I just listened ...when I was taking my test I just remembered her saying " they can't trick you if you know it" Thank you for this amazing video! RIP 🙏
87%. I also took compucram, I needed the combo. I'd recommend both. Some of the questions were word for word the way she said they'd be. Her 'TILA the Godzilla' and 'B equal' for ECOA, etc is the ONLY reason I remembered those Reg's. I'll never forget them, either. She was a great teacher, I learned more (or at least retained more) from this 4 hour video than my 20 hour class. ....It is sad that she has passed, I wonder what happened. It was hard to forget as she coughed though the whole video.
@@kingzq6784 Do you have compucram/prepxl? Those practice tests are literally harder than the actual exam. I thought I failed all of them. But I knew I passed the real test. I got the lowest score on the Laws. Then ethics. Do I know what is discrimination and what isn't? yes, Do I know which exact law governs every little thing? (and what Reg they are called?) no. When in doubt go w/Tila the Godzilla. I downloaded this then listened to it 4-5 times and just kept doing those practice tests. If it was one or the other I'd have to go w/the practice tests.
Passed ✅ Thank you so much to Artricia for creating this amazing resource and giving insight into the NMLS exam and the becoming MLO. RIP Artricia and blessings to your family I really appreciate this being available as it has helped so me much and I had a voice in my head during the test telling me, don’t let them trick you into giving them an extra $110 There is no way I could have passed with just a weeks studying, without her. I listened to the entire video at least 4 times and took notes on the entirety and tried to memorize as much as possible. Test was fair and very representative of the info in this video!
Just passed with an 81%. Thank you Jesus and Artricia! I came across this video as I was desperately searching for knowledge and understanding on certain aspects of licensing material. Her explanation of the material was on point and easy to understand and most importantly it made sense. I highly recommend this video along with reading the prep-book. Good luck! 🍀
Like most people in the comments I only have wonderful things to say. The first time I took the exam about 6 weeks ago I failed by 4 points. When I began to study again, I found this video and just watched it over and over again. Usually primarily this video as a guide. I retook the exam today and passed with a 79! I am so thankful that I found the is video, it is a great tool!
Took the test and passed the test on the first try. Could not have done without this video! I watched it the first time, took screenshots, reviewed the screenshots and then watched the video two more times at 1.5 speed! 3 weeks of preparation but made sure I understand the contents in the video A to Z! Attricia Wood was the best!
@@rambaan2615 I had real estate background. So, 3-4 weeks was enough for me. I think the exam was pretty tough. Other resources I used were other videos in TH-cam.
I've been in this business a long time but haven't personally originated since the licensing requirement was just a state real estate license. I found this just 2 days before my exam and passed first try at 86%. I wish I would have found this to use as a study guide weeks prior. Artricia is an angel and makes things so easy to remember, things that we don't do or have to know in the daily grind of this business. Just an FYI, I think my exam had a total of 3 math problems that required the calculator provided but a TON of federal law. Good luck all and RIP Artricia...prayers up to you! 🙏
Thank You Atricia ! I never met you , but watching all the practice prep MLO Videos made me feel like i did. Passed with an 80 % today , thank you 🙏 Hope you're resting well
12/04/2024 Took my test today and passed with a 78%🥳thank you for all that you did and thank you for all the lives your changing even though your no longer with us😢this video is GOLD there’s no teacher out there in this field that can beat this video/course. May you continue to rest in peace angel 🫶🏽
May she absolutely rest in peace! I Have read that some people passed with only watching this video, is that the case for you> what other resources did you use> thanks!
I learned majority of the stuff from this video and used mometrix (website)and nmls practice test 2025 (app is on android and iPhone)to test my knowledge doing practice tests. Anything that came up that I didn’t know I would take notes on it. it would give you the reason why the answer is the answer and the reason why it’s not the answer
I also passed with a 78% this video was crucial. Took MEC and had this on repeat 2 weeks before the test. Thank you Atricia Woods you sweet sweet angel.
This is great resource! I just passed today. guys listen the vedio twice addition to another materials. I am sorry you gone Atricia but you have living legacy! Rest in peace!
Thank you so much! I passed the NMLS exam today with an 83% just by listening to the video and taking notes from the slides. Your materials were incredibly helpful!
Passed with a 93% today and this video was an immense help. The way she phrases the questions are very similar to how they're written on the test. Regarding the content of the test, definitely focus more on the concepts and less on memorizing the ratios and penalties. A lot of the questions are very situational and not something you could look up if you didn't already know the answer. Good luck!
I came across this video and THANK GOD I did! I listened to this course 3-4 times (at home, driving in the car, etc) over the weekend and took notes. On Monday, I PASSED on my first attempt! I wish she was still alive today because I would definitely thank her for explaining everything in an easy-to-remember format. Yes a few things are now outdated, however, I didn’t get any questions pertaining to specifics w/penalties $ amount. She was also right, don’t focus too much on the math, as I only had 2 math problems. Needless to say, this course helped and I hope it helps the next person too! Good luck & may God be with you as He was with me!
Congratulations with passing exam on first attempt. Let me ask you have you studied any other sources while preparing to this exam. I bought nmls study guide 2024-5 from mometrix. Is it enough for safe passing exam? Thanks
@@rfranklin999 my apologies for the delayed reply. I took the required pre-licensing course, but to be honest this exam review stuck with me the most. I purchased flash cards, made my own, but I don’t feel as if I learned enough to prepare me for the exam, so I opted to find something else (without paying more $) and this is the one! The way she explains it makes it so much easier to memorize.
Praise God I passed today with a 78. This video was vital. I could not have done it without this video. September 13, 2024.
Hey brother, did you only study this video??
Also congratulations on passing your exam
@@SebastianLuna-z2g I listen to it everyday for like two weeks trying to memorize it then took some prep test but this was huge for the federal part…
@@stephenhuber9300 what prep test did you take?
@@stephenhuber9300 also do you think it’s possible to pass just on this video?
Artricia’s impact lives on!! I passed with an 84 on my first try after literally listening to this course on repeat for the last 2-3 weeks! Lord bless her soul!!
did you study anything else or did u pass only from this video?
Her impact definitely has. Congrats! 🎉
@@lukasbelletete9I did practice questions and exams on prepXL but I feel like listening to this video daily is what helped the information stick and I know for a fact that I correctly answered a good amount of question from the tips and information in this video. I also went over some study sheets so collectively it all played a role
@@MsLeahthanks!! I was so relived to get it out the way and move on with my life lol
@@coreysellsatlwhat we’re you making on the prep exams before scheduling the test?
Just took my exam today and passed with a 75% !! First try !! This video is a gold mine. Thank you and Rest in Paradise Atricia. All I did was take theCEshop course which I finished a little over 2 months ago and did not touch , then suddenly watched this video , wrote EVERYTHING in my notebook , rewatched sections while driving to work , studied my notebook , a few quizlets , and took the practice exams from
The CE shop , but I only studied for about 2 or so weeks before I took it ! But what was the most important factor without a shadow of a doubt was God . My 75% score is a testament ! Have faith in God and with His strength you can do all things . Can’t describe how crucial of a factor He was throughout the whole process and I wouldn’t have passed without my faith !! God is the way ! Always !! God bless all of you guys on your journeys ! You can do it !!!
was there alot of math questions
@@lukasbelletete9 about 4-5 or so for me, but all we’re pretty much about front-end (housing expense ratio) and back-end (Debt-to-Income ratio) ratios, so they were pretty easy. I’m pretty sure you can’t be given more than 7 or so , so try not to worry about math too much like how Atricia said in the video
What all materials do we need to study more than this video
Is Atricia the lady speaking? You referenced her like she’s passed on. Did she pass away?
@@swethasolipuram1900 I only studied this video religiously, a few quizlets and the Exam Prep Course practice exams from the CE Shop which was where I took my 20 hour course
Just passed the test today 83% on first try. Thank you artricia for the gift that keeps on giving. Rip
For those wondering yes this works. On top of the 20hr course (which i took 4mos ago), i only studied this for week. Outdated for april 2024, but enough to get 80+ %.
Suggest to supplement with latest flood insurance min and max amounts. Also get latest dnc call list penalty amount
Still VERY relevant 10.18.2024 - Just took my test today and passed with an 82% on my first try!! My study method was this: watch this video, take notes throughout the video. and then watch this over and over again. I would listen to this recording EVERYWHERE, even while at the gym. At night I would read my notes, which I believe that was key. Then I would watch the video again while looking at my notes (adding more things as I needed). I didn't really take any practice tests. This video is GOLDDD by itself. I also used Quizlet, there was an Affinity Practice Exams page that I found with over 300 flashcards that I included in my studying mix. Thank you for everything, Artricia. May she rest in peace! Good luck to everybody!
P.s. I think I only got like 3 math problems, and they were very simple.
Just found it thank you all so sooooo much for sharing these tips! I will be sharing mine as well once I pass! Blessings to everyone and Happy new year my FELLOW MLO’s ❤🦾
Where did you locate the flash cards and how long did you study before you took the test. I'm procrastinating.
Hello! I just passed the test this past Monday 12/16 with an 80% score. This was my 2nd attempt. I failed with a 72% the first time a few months ago.
Words of advice
1) Go through all of her videos to make sure you cover the flood insurance, etc.
2) Get a notebook and write down each slide and highlight and underline the important terms that she calls out.
3) Listen to this video word for word at least 4 times.
Good luck!
Passed today on the first attempt with a 80% thanks to this cram course! ❤ best instructor for this info! Thank god for this video!
Congratulations. I did my exam today as well. Passed on 1st try with 80%+
I’m preparing for my exam. What are the study materials you have used?
I watched this video about 9 times. Took notes. I knew I was ready when I started scoring 80+ on practice tests. Master reading the question to really understand what they’re asking. My study course had flash cards when I could recall about 85% of the answers correctly I knew I was understanding it.
Congratulations!! How many times did you watch
I am so grateful for this video. I just passed with a 94% and supplemented my 20 hour course and PrepXL with listening to this video on my commute each day. Some of the info and numbers are outdated, but the concepts are the same. For a free resource, this video is great!
53:57 federal lending
2:42:34 Non traditional Mortgage products
1:56:26 Qualified Mortgages
1:59:00 HOEPA
3:16:00 Employment Documents
3:14:23 Safe Act and UST
3:21:28 Income Calculations
3:51:15 Sate Regulatory Authority
10:40
3:26:49
2:01:20
2:03:13
3:13:00
0:32
0:43 😊
Thanks!
Thank you! ❤
You going help me pass Thanks
Praise God!! I passed the test yesterday with 80%!!! I did an online course back in Oct 2023 & finally decided to schedule my exam. I was looking on TH-cam for a video to help me prepare for the exam & came across this, thank you Mrs. Articia!! This is all I studied. I took notes, made flashcards and listened to it a few times. The test was hard not going to lie! All her tips came in handy. They did have a few questions about flood insurance and coverage requirements, so I also suggest to study that beside this video. But I can say 1000% this video prepared me and help me pass. RIP Mrs. Articia, you made a difference in so many lives.
Was there questions on the test about any clauses for you? I’m freaking out bc my LO friends are telling me that the MEC course was sufficient and I’ll be fine but I joined the MLO study buddy group and I hear a bunch of borrow stories about people failing multiple times and that the 20hr course is not enough and all this and all that and
@@KRVKENx The 20 hr course is very thorough. Which can make it challenging to prepare for the exam because it is so so much information to try to remember. This is why is video is an amazing tool to help you pass the NMLS exam. The only topic that she did not cover that the exam did have a few questions about was Flood insurance. Everything else I felt totally prepared by all of the information given on this video. Just like Mrs. Articia says, they do try to trick you in the wording of the questions. So just read carefully each question but you will have enough time. I had about 20 minutes left after I finished all 120 questions and reviewed a few I flagged. You can do it!!! Rooting for you!!
Congrats !!! I have my test next Saturday (2nd try) I hope I pass this time ! 🙏🏼
@@KRVKENx mortgage educators only give you 12-14 days to learn the material not enough time
I have a question-do you actually have to have a college degree first?
Passed today on first try with 81% using a few platforms but spending the last couple days leading up to the exam playing this video on repeat! Thank you, Artricia!! RIP Angel!!
Question. Are the information up to date ? Taking mine soon
@@ehnopawyes! But I also had flood insurance questions not covered here
@@AishaB3 oh ok. Thank you
Took my test yesterday (11/18/2024). 1st try, passed with an 89%. This crash course was an excellent resource. Used this plus the PrepXL test exams. I did six of them and got scores on those varying from 81% - 88%. Artricia has left a real legacy in helping us prepare and pass this exam! A big thank you!
just passed today with an 82%, second try. this video is the holy grail of study material for this topic. I almost wanna say this video is art, no book/video/paid course even compares to this, and its 5 years old! Watch this video multiple times and take notes. RIP Artricia 🙏
she died? no freaking way man. I'm studying for my NMLS exam and she is so articulate and direct on her teaching. Will be missed for sure
What else did you use for your study material
She died? May God bless her soul . She was so great teaching this
I met her mother over the weekend, thank you Shirley for continuing your daughters path for those of us just wanting to better our lives. RIP Atricia.
RIP really? I agree with you and I saw your comment and that influenced my decision to watch it. So thank you too
Took and Pass my test today with a 82% First Attempt !!! I took the 20h class and this video certainly was SO HELPFUL!! I could hear this lady’s voice all during my test. Wonderful tips and excellent explanations ! 100% recommended material (just check for a few current updates ). I was so sorry to learn this amazing teacher has passed. She still brings so much value and an impact on our community !! Thank you!
can i have a some question on your test pls
what were the updates?
Passed!! 2024 test taker here.. So many times during the test I could hear Artricia’s reminders. Even though she’s no longer with us, the impact she still has with these videos is amazing! Thank you Miss Woods 🙏🏽
Any Advice for the test, what to be prepare
Definitely what everyone says… Regs, Regs, Regs… for me the majority was RESPA
@@johncantu3866 thank you so Much, how many math questions was there
@@dranium07 there was like 6 or 7
oh wow she passed away?
Thanks be to God I passed my test today with a 78% on the first try, after studying intensively for a week.
I found this video a couple of days ago. I listened to it twice, taking notes the second time I heard it. I could hear her voice while testing. She was truly gifted. She was an excellent teacher. Rest in Peace Artricia. 🙏
how hard is the test? Does it require a lot of math and calculations or is more of pick an answer based exam?
@@A1_Amirshe says there’s only 4 or so math questions on the exam and I’ve also heard there’s not much math
I’m watching it on repeat until my test in a week. Did you study anything else?
How are you doing after getting licensed?
I want to say a big Thank You! I found this video 1 week before my exam, and it changed everything I was trying to memorize through the course of 20 hours. I felt overwhelmed and was not sure what to expect! Thanks to this video which I was listening as much as I could- Today I PASSED my exam from the first try with the score of 83%! Thank you 🙏
Congratulations ‼️ I plan on taking mine within the next few weeks! See you on the other side!
Thank you for everything, this video was essential in my passing with a 77%, This is the most useful video on youtube for this kinda thing, i’m never thinking about this test again now
I’m less than an hour from taking my exam. I passed with an 82. I cannot overstate how much this video helped me. I listed to her 2-4 hours a day 4-5 days a week for about 10 weeks. I wish she was here so I could thank her personally!!! RIP 🙏🏿 🙏🏿🙏🏿
RIP ANGEL. PASSED WITH AN 86 TODAY. HOPE YOURE FAMILY KNOWS YOUR IMPACTING SO MANY LIVES..
Congratulations any advice
Congratulations! May I ask, Did you take a prep exam course or just this video? Thanks!
Claysmiles I watched the morning of exam. It's about 1 hr long and alot of exam he covered
Stumbled across this days before my exam and i believe it made the difference. Her teaching style helped me better understand all of the material and she provided the context in a "to the point" style that others couldn't. Just left the test center with a passing 80% grade. I found out Artricia had passed a couple years ago so i hope she was able to see the positive affect she continues to bring us from a higher place 🙏
So this video is from a couple of years ago?!?
@@djpolo0823this video is about 6 years old, isn’t the best for some things but is good to learn overall
@@0denMSis there any up to date videos that u recommend i take my test august 1st
I just got home from taking my test! I got a 77% ! Thank you! I swear it was like she was in my head!! Thank you Thank you Thank you! I could hear your voice with ECOA- Be equal... TILA the GODZILLA!
what else you used as prep material?
@@Ani-gb6mm @mrsbwv4l643 im curious aswell
I just got back from the test. passed with 83 on my first try!!! This video is gold. Thank you sweet Artricia, RIP.
RIP🙏
Thank you for letting me know the video is up to date. Going to take it this month. Currently 13.5 hours in my course.
I'm glad to know since I'm taking the test this month 🙏
This makes me soooo happy‼️ thank you for sharing! Testing soon as well
Rest in love Ms Atricia just want to say thanks a million for your videos because of it I passed with a 79% on my second try today 10/18/2024, my first try was 73% but took my review with a different online class , with my second try using affinity materials and heavy on The videos watching and listening to it every single day for the last two weeks , I took my time I used up every single second to keep reading the questions and dissected it what is really being ask . I also bought the 500 flash cards , and printed out the updated materials and used that to follow along with the videos to take notes, the videos maybe old but the only difference that needs updating are the penalty fees cause it does change every year .
Note I got only 3 math questions today it was heavy on Federal Law and non traditional mortgage , had few Ethics and SAFe but to me those were just bonus to . My first question was about the Unique Identifier number 😅❤❤❤ and of course before I started my first question with a prayer 🙏 GOD is good all the time 🙏😇🙏
Rest in Heavenly Peace
It has been a while since I passed the test. I just wanted to come back and pass on how much this video helped me. I am now employed in the mortgage industry and thriving. RIP miss Artricia. You live on through this course and continue to positively affect the lives of others. Thank you!!!!
She passed away? I was going to try to get in contact with her regarding her course...
@@Traveler1974 yes she did :(
Passed my exam today with 83%. Thank you to Miss Atricia for the help. Below is the my suggestion
1. Listen to class on repeat as this is helpful and make most topic easy. if it work then make notes on each topic after listening to topic as this will become cheat sheet
2. Take prep exam, i used MEC but heard from many PREPXL are good.
3. Exam is focused on federal.
4. Add Flood Insurance as not covered in these lecture and at least 2 question on test was from it
I just passed today with a 90%! This video was instrumental in passing the exam. Thank you so much! I’m sorry to hear that the presenter passed away. She saved me on this exam.
Just passed the test today, 83%. I listened to this entire lecture about 4-5 times, took notes and studied. This is an EXCELLENT source! I wish Artricia was still around to thank her.
Other than the 20 hour pre-licensing course, was this video the only source you used for studying? Was the information in this video on the actual test?
Hi! Congrats! Besides watching this multiple times, is there any other advise ?
Hello. Please tell me which course you recommend to apply for guaranteed pass of exam ?
❤❤
I took my test on yesterday and I passed with a 75% on my first try!! My birthday is today and my prayers have been answered!! All Praises go to The Most High and this beautiful and anointed Woman right here!! I teared up when I made it to the car because I know it was this video that helped me pass!! I am forever grateful!! Thank you forever and always!!🙏🏾🕊️🫶🏽
did you only study this video??
Praise God congratulations
This was so helpful. I paused it and took notes throughout. I passed my exam on the 1st try. Wonderful teacher! RIP Artricia.
Happy for you! I’m about to take the test for the 2nd time but I wish I found this video before lol
she died??
@@bopeybef yes Articia is resting sadly but the impact she has made lives on. And I for one is grateful for her work and teachings.
This video is pretty old, was there anything on the current test that this video wasn't good for? My exam is in 14 days.
I would have never known if you did not comment. 😢we have to pass for Atricia. She continue to help us from beyond.
Thank God, I just passed my test on the first try today with an 89!!! This video was huge in helping me prepare. I listened to it several times. She is right not to waste too much time on the math. I only had 1 or 2 math problems. Make sure you know the laws inside and out. Thank you for this video. May you continue to live on through it and help many more pass their exams, and may you rest in peace.
11-14-24 I passed with an 80%, thanks to Artricia Woods. I hope her loved ones know how many folks she is still helping today. RIP Mrs. Woods and thank you so much for making this curriculum digestible in a way that no other Teacher could for me. Good luck to those in process of studying and just know that this video will get you where you need to be!
Yeyyyycongrats
Just passed today with a 79% on my first attempt. I listened to this every morning on the way to work and every night with headphones on while I slept, for almost 3 weeks.
You are the 👑. Thank you for everything. Rest easy. 💕
Hi, was it as hard as it was said to be?
@@Anissalmhello - I saw your question…I took the exam yesterday and it was not hard if you know the material. This video does a great job at explaining so that you can understand the material. For me it was a lot of scenarios and I just need to apply the concepts. 3 math problems….don’t waste time on math instead focus on the material. Lots of question on Federal Law. Good luck.
@@jlopez4116 Congratulations. Thank you for your advice
I would be remiss to not comment on how helpful this video is. I passed my exam on the first try last week. Watched this video 3 times and took a bunch of questions. Only prepped 6 days for this exam. This lady is a gift and after reading these comments it appears that she has passed away. If that is true may she rest in paradise. If she was still here I would’ve told her how much of a blessing she is.
Thanks for your help Queen
Rip! Still blessing others. I passed today and give this video 100% credit. The test was hard and couldn't have done it without this video. One and done!
congratulations! I just finished my 20 hr course and nervous about the test
@@tonjagee11Thank you! You got this! Just study consistently and make sure your retaining as much information that you can.
All praises go to the most high and I am very thankful I came across this blessing of a woman. I’ve watched ALL of her videos repeatedly and finally passed with an 84%! Thank you so much ma’am and may you rest in peace.
Did you pass on the first try?
@@joelmartell1393 no it was on my 3rd try. I found her after failing the first time with a 73. The next was a 74 🤦🏾♀️ so I put all of my focus on my weak areas and 3rd time was a charm for me.
I can use some heavenly help. My prayers alone didn't get it today :(
I just passed my test! This video was critical for the federal regulations!
My online course left me confused and overwhelmed. Atricia really helped bring understanding that only a true teacher can do. RIP
congratulations! i took test 11/27 got 69% so now waiting until 12/26 to schedule my second attempt
This video was the main source of information outside the actual books content to secure my license. Passed with Flying colors RIP Angel. Let your legacy continue through this video and I would like to encourage everyone reading this comment to share it with at least 1 person that you know is pursuing MLO. Much regards and Appreciation to you and all those who helped put together this material.
Im studying for mines currently
Like what the person who made this video had passed 😢😢
Amen! I test in a bit over a week!
What happened to her? :(
Hoping everyone that takes this test in the upcoming weeks passes. Y’all got this
I just passed my exame today in the first try with 81%. Through many questions i could still hear her voice. Thank God that i found this video it helped me a lot.
Congratulations, was it as tricky as she says?
Some of the questions were indeed tricky.
Really in 2024? Using this info does it help that much
@@sivanaferreirwas it very detailed as far as hpmls or hoepa limits and such,what was the hardest you remember?
Thank you Artricia! I don’t know how I could have passed my test today (my 2nd try) without your insightful teachings on this video. I have learned a lot about the mortgage industry. I wish you were around for more updated videos. RIP ❤ 🕊️Your way of teaching is a blessing to us all.
Just passed the exam on my first try this week. I have no doubt that watching these videos played a huge part in that. Watch all her videos and watch this particular one twice. Take notes. Make flash cards. You have to understand the material, otherwise you will not pass. Memorizing things is just not enough. Pair these videos with Compucram’s test prep and keep taking the practice questions and exams until Compucram tells you you’re 100% ready on their meter. Do this and commit to a couple hours of study per day for 2-3 weeks and you should be golden. RIP Artricia and thank you!
Used the exactly same method and yes, this video really helped a lot. Compucram’s is a must for passing the exam. Good luck to all future MLO’s.
Just passed with a 81% , second attempt, because of this video mostly. Thank you Artricia, and Rest In Paradise. Still blessing people with your presence in the afterlife. Purpose served ❤🙏🏽
Just passed the test. I couldn’t have done it without this video. I listen to it religiously. If you listen to this and buy compucram you will pass the test! Compu cram was crucial in passing as well. Best of luck to everyone studying.
I’ve been listening to this for two and a half weeks along with nmls on audible and I passed with 80% on my first try today. Mrs. Artricia Woods was truly a Godsent
I just took the test. I didnt study after the 20 hour course. I took several tests from CompuCram and all the tests did was condition me to their repetitive questions. I never got above 75% from what I learned, but more so what I memorized.
I only did that about 3 times.
But THEN I watched this video twice. Each time stopping at every regulation to make sure I understood what she was saying. Once I understood the concepts and her emphasis on what I needed to pass the exam, I'd move on to the next topic on the video, remembering key points as I went.
I got an 80%. I graded exceptional on federal and moderate everywhere else.
THANK YOU!!!
So now what are you doing with your license?
@@harrypottersucks12 excellent question -
I am working for a home loan team. I was working with them prior, bringing in business while I was getting my license.
In one of the Facebook groups they always say that these videos have out of date information and shouldn’t be used. Did you find that to be true?
@meganhullett2761 Hello, yes. The information can be outdated, and it is said in the video. It teaches you enough to pass. Funny thing is even if we go by actual numbers say for debt to income, for example. There is a lot more leniency in today's world and you can almost always find a way out of situations with proper documentation.
But I didn’t get passing score😢
I passed my test with a 79 thanks to this video. I had to take the twice but she really made an impact on my passing score. I am so thankful that I came across this video. She really broke everything down to a T and I'm so thankful for her.
Just pass the test on my first try with 83%. I listened to this video over and over again last two weeks, thank you Atricia, Rip!
Was this the only material you studied ?
@@amberbutler1951 No, but it covered most of the key points.
@@Jen硅谷地产经纪 What other materials did you use if you don't mind me asking?
@ Mortgage educators online courses and test prep. Their tests are a bit harder than the real one. And Claysmile videos on POP quiz for the MLO test.
HEY I WAS SO SCARED AND NERVOUS BRAND NEW TO MORTGAGE INDUSTRY BLESSED TO HAVE THIS VIDEO AND MY BRANCH HELPING ME MAKE SURE YOU WATCH THIS SHIT!! 81% on first try TAKE YOUR TIME I SPENT ALL 3 HOURS LIKE OUR GIRL SAYS I STAYED UP ALL NIGHT AND WATCHED THIS AND TOOK NOTES AND SO MANY STUDY TESTS RIP MISS ARTY ❤️ god bless this video rigjt here
Hello Atricia, the way you explained it was so easy to understand. I took the 20hrs with oncourse and the instructor basically ran through it very quick via zoom. I was still at a lost. I don't recommend oncourse for the 20 hrs. To anyone taking NMLS, if you listen to how Atricia explained it you'll pass. Just listen to this a few times. Don't stress to much on the math. I had like less than 5 math questions. Like Atricia said don't focus to much on the math. I passed on the 1st try with a 78% yesterday. Thank you Atricia. I hope you're doing well in heaven. R.i.p.
i am going thru the oncourse 20 hrs course.. it's like hell.
I passed the test on June 19 with a score of 80%, and a few days later, I got my NMLS license 🎉. All thanks to Artricia! Without this course, I probably wouldn’t have passed on the first attempt, especially since I was balancing a job and a side business along with test preparation.
My advice to everyone: schedule your test within two weeks after finishing mortgage school while the material is still fresh in your mind. I took mine two months later and had to relearn everything. I was most worried about the federal part and focused on that. Thanks to Artricia, I scored well on that section, but to my surprise, I struggled with the products and general knowledge, which I thought I knew best. Don’t be overconfident-study all sections equally.
Thank you, God, for helping me and allowing me to become a mortgage professional! Thanks again to Artricia for such an amazing video course. May you rest in peace and live in our memories forever! Praying for your soul! 🙏
I'm also grateful to the Chicago Real Estate Institute for the education, to my wife Oksana and family for their support and belief in me!
Praise God!
I passed today with a 78 after several failed attempts over the years. Thank you for all your tips for the test, this woman is a saint!
While I didn’t take my classes through Affinity and I wish I had, I stumbled across this video and let me tell you…. What a game changer. I took the exam last month and got a 74. I just took it today and got an 84.
The difference: this video. I watched it 3 times the past 3 days along with other study materials however everything I was presented with in the exam, I remembered from this video.
I highly suggest this video to be watched 2-3 times before your exam and also study other materials. Thank you for this video. It made such a difference.
I’m a certified appraiser in GA since 2006. And let me tell you. No matter what industry you are in, you NEED THIS VIDEO.
I passed my test today on my first attempt. This video is great. But go over her other videos from Affinity Real Estate as well, as she explains ARMs, flood insurance(amounts are old, find the updated ones), her flash cards and pop quizzes. But before taking the actual test go over at least 2 sets of prep tests so you can experience the exam and learn from all the questions you got wrong. you should be able to pass. She covers it all. You are a beautiful Soul Artricia. Rest in peace .
Watched this on repeat and passed with a 84 on my first try 10/10 recommend thanks yall!
Congrat!!!🎉
The reason I passed my exam today 🙌🏻
Could hear her voice throughout the exam.
Passed with an 81%, November 2024! Artricia may you rest in peace, you are incredible & have helped so so many. This is still such a great resource & I heard her voice when I was taking it❤ THANK YOU ARTRICIA!!
LETS GOOOO
Congratulations did you only use this video to study?
Thank you! 🙏 I pass on my 2nd try on 5/4/24 😁 80%
I passed today with 83%. Thanks to this video! I came to know about affinity later in the game when I had already purchased the 20 hr course somewhere else. But for test prep, I used this video. Thanks to everyone involved in making of this video.
Just passed by the skin of my teeth with a 76% first try. This video alone is an amazing source as well as all of Artricias videos!
Did you use anything else to study? What were you getting on practice test before you took it?
@@daisycastro279I used quizlets but they weren’t on my test much. The test for me was just like she said you’re gonna know half of it instantly and the other half is gonna be educated guessing no matter how long u study
I WATCHED THIS VIDEO OVER 5X. I failed my first exam with a 74. Just passed with a 79!! THANK YOU AND YOU GUYS GOT THIS!!
Just passed my test today! My first try! Thank you so much for your video! 🎉
During my exam, I can hear her voice, don't let them trick you, or you will give them another $ 110😅 You're a great instructor! Thank God I found this vidoe! RIP❤
What did you do to study?
@Ohanafishing I chose the MEC 20 hour online course and listing to this. That's it. This video for certain information is out dated but the most important thing is she taught us how to think during the exam. Read the questions carefully, then you will be fine!
@@adawang2712 Thank you! Appreciate the tips.
I think I learned more from this video than I did my entire set of classes! Fantastic and I credit it for helping me pass my exam on the first try!
Thanks this videos i approved my test with 80 score !! Forever thanks !! God bless you !
Took my test this morning and I PASSED on the 1st try!! Thanks so much for this video!! You’re still helping people! 🙏🏾 🕊️
Artricia helped me pass my exam! I said my prayer right before submitting the test and BOOOM! PASS!!! God is Good! Thank you for everything Artricia praying for you and your family this video was so helpful!
Was this the only thing you studied or something more too?
I took and passed the MLO test today in my 1st attempt.
Watch this multiple times and memorized it. I highly recommend it.
Woods has great teaching methods; straight to the point and great anecdotes that helped me remember the info.
Did you find that any of the info provided was incorrect or outdated ? I’m using this and plan to test within the next 4 weeks ! I just need enough info memorized to pass the exam… would this outdated version do that for me …. TIA !
@@adriennemoran8829 no I think the video is recent enough that the info is correct.
Did you need any other study material besides this video to pass
@@King27331 I studied the course text I took.
After, I used this video as a refresher.
I also did watch videos of people going over practice tests questions.
Thank you so much Atricia! God bless you.. Your videos are so help. I passed with 82% today (Sept. 19, 2024), on the first try. I am greatful for you and Affinity. Not to mention I love your videos because of the fun you have with it in the training.
TOP 5
1. ECOA - You can ask for someone's age at the nightclub but not under ECOA
2. ECOA - It don't matter if you have like 9 different baby daddies and whole bunch of child support you can't discriminate
3. FACTA - I would have loved to have pulled my daughters finance's credit so bad... but I can't
4. MARS - I'm not talking about the planet... but the law
5. USDA - You're like OMG we're doing loans now for meat and cattle! hahaha
God bless you and hope to see you in heaven someday. Many blessings!
Just passed my exam today! This video really did help a lot. The way she taught it and explained everything gave me a better understanding. I took a few practice exams as well to prepare. I 100% recommend this video for exam prep/review. Good Luck to everyone that is taking their test soon!
So glad to see all these comments this year how helpful this video still is. Mine is in a week!!!
Thank You Atricia! Your explanation on this topic is unmatch. Way better than that 20 hr online course where i was totally lost. too much information to know. i watched this for the past few days and i felt comfortable enough to connect the dots. You are my hero!
Most of this info is still relevant! I just took this exam today, 1/10/2025 and got an 80%.
RIP you angel, you helped me more than you’ll ever know 💙
Congratsss!! Lol I’ve been studying this video over and over and taking notes is that the only thing you did also
@ yup! I listened to the video over and over and took down all the notes from her presentation and studied those on my free time
@@wcarrasco33 is there other study material you used or just this? did u do other practice questions from another site?
Thank you for letting us know ! I was nervous that the info would not be up to date lol. Testing mine soon
I just passed my exam in November 2024 on my first try with 81% using a lot of what I learned from this video and other sources. Tons of helpful tips that still work today!
Thank you Atricia! Passed today with a 75 on the nose after watching this once and her other video things to remember flashcards. Great study material if you want to really understand concepts in the mortgage industry. May you RIP and long live Atricia Woods!
Artricia Woods - thank you for your awesome video series. I passed on the second try with an 82, aftering watching all of your videos several times and reviewing what I learned in my self-paced class.
I passed today with a 76% all because of this video. I took my 20 hours over 3 months ago and I tried to use a Quizlet but it was too inconsistent. When I tell you I listened to this for a week straight and took notes until the second I walked into the building, this is the sole reason I was able to pass on my first try. An absolutely essential study material
Just came accross this video and could not stop listening to the gifted lady while driving and relaxibng at home. She is so good in relaying the information in a catchy way making it easy to remember some of this confusing stuff. Well. I tried to focus on the math and only had just a few. This course really helped and simply walked in with confidence and passed on my first attempt today.
Passed the NMLS exam with a 84% score today, 11/16/2024. Thank you Artricia for your reviewing video. I learned much more from ur video than my 20 hrs pre-license course. May you rest in peace and know that your legacy goes on!
P/s: for those who wonders if the video is outdated. Yes some information is outdated such as the DNC fine, and also need to learn about Flood insurance policy but all other info is still good enough to pass 👍
Hello. Is there any other study material you focused on? Or you just only listen and stick with affinity course? Thank you a lot. I have an incoming exam in about 2 more weeks.
@@trungchinhho5756 I mainly listened to this video and took note whenever the instructor said this is important information. My advice is to keep watching and listening to this video over and over again and don't stress out too much on the math problems. I got like 4 math questions and they were really easy simple math. As she said in the video, put your focus on the Federal section and you will be golden :D
@@trungchinhho5756 Good luck Viet brother! :D
@@Hyper-Husky Thank you very much bro. I am taking Mastery Course from Affinity now. Focusing on doing 15 practice test as much as I can. I will take note carefully about Federal section (your advise).
I’m extremely grateful for this video. While taking the test I could hear her saying “ you don’t have a half” . RIP ❤
Passed with a 90 today. Oncourse prep XL practice tests 15 times in one week of studying with about an 83 average. Stumbled across this video the night before the test and stayed up until 4 a.m. to watch the entire video and it made a huge difference. Thank you to Ms. Woods!
THANK YOU for connecting the dots! You are an OUTSTANDING teacher! Passed my exam on the first try!
Passed my test today! First try! This video is everything! First time around I took notes, then I just listened ...when I was taking my test I just remembered her saying " they can't trick you if you know it" Thank you for this amazing video! RIP 🙏
87%. I also took compucram, I needed the combo. I'd recommend both. Some of the questions were word for word the way she said they'd be. Her 'TILA the Godzilla' and 'B equal' for ECOA, etc is the ONLY reason I remembered those Reg's. I'll never forget them, either. She was a great teacher, I learned more (or at least retained more) from this 4 hour video than my 20 hour class. ....It is sad that she has passed, I wonder what happened. It was hard to forget as she coughed though the whole video.
How are you jimmy was there anything else you would recommend me focusing on or if there’s any other terms
@@kingzq6784 Do you have compucram/prepxl? Those practice tests are literally harder than the actual exam. I thought I failed all of them. But I knew I passed the real test. I got the lowest score on the Laws. Then ethics. Do I know what is discrimination and what isn't? yes, Do I know which exact law governs every little thing? (and what Reg they are called?) no. When in doubt go w/Tila the Godzilla.
I downloaded this then listened to it 4-5 times and just kept doing those practice tests. If it was one or the other I'd have to go w/the practice tests.
@@kingzq6784 Flood insurance, she doesn't cover it at all.
Zones A & V are in high risk areas, flood insurance is required.
Passed ✅
Thank you so much to Artricia for creating this amazing resource and giving insight into the NMLS exam and the becoming MLO.
RIP Artricia and blessings to your family I really appreciate this being available as it has helped so me much and I had a voice in my head during the test telling me, don’t let them trick you into giving them an extra $110
There is no way I could have passed with just a weeks studying, without her. I listened to the entire video at least 4 times and took notes on the entirety and tried to memorize as much as possible.
Test was fair and very representative of the info in this video!
Just passed with an 81%. Thank you Jesus and Artricia! I came across this video as I was desperately searching for knowledge and understanding on certain aspects of licensing material. Her explanation of the material was on point and easy to understand and most importantly it made sense. I highly recommend this video along with reading the prep-book. Good luck! 🍀
This video was very helpful for me. Watched it 3 times and thank god I passed my test today with 75%! Lol
Like most people in the comments I only have wonderful things to say. The first time I took the exam about 6 weeks ago I failed by 4 points. When I began to study again, I found this video and just watched it over and over again. Usually primarily this video as a guide. I retook the exam today and passed with a 79! I am so thankful that I found the is video, it is a great tool!
Took the test and passed the test on the first try. Could not have done without this video! I watched it the first time, took screenshots, reviewed the screenshots and then watched the video two more times at 1.5 speed! 3 weeks of preparation but made sure I understand the contents in the video A to Z!
Attricia Wood was the best!
Did study with any other material (s)
@@King27331 Mostly TH-cam videos
What all material did you prepare and how many days to pass the test
@@rambaan2615 I had real estate background. So, 3-4 weeks was enough for me. I think the exam was pretty tough.
Other resources I used were other videos in TH-cam.
I've been in this business a long time but haven't personally originated since the licensing requirement was just a state real estate license. I found this just 2 days before my exam and passed first try at 86%. I wish I would have found this to use as a study guide weeks prior. Artricia is an angel and makes things so easy to remember, things that we don't do or have to know in the daily grind of this business. Just an FYI, I think my exam had a total of 3 math problems that required the calculator provided but a TON of federal law. Good luck all and RIP Artricia...prayers up to you! 🙏
Thank you!!
I have never seen anyone with my mom's name and spelled the exact same way. Really cool. Glad I stumbled across your videos preparing for the NMLS
I just passed my exam in great parts thanks to this video. Thank you kindly.
I just want to thank Articia and her family for being so helpful!! This video helped so much but so did the mastery program! I passed yesterday 🙂🙂 .
Thank You Atricia ! I never met you , but watching all the practice prep MLO Videos made me feel like i did. Passed with an 80 % today , thank you 🙏 Hope you're resting well
12/04/2024
Took my test today and passed with a 78%🥳thank you for all that you did and thank you for all the lives your changing even though your no longer with us😢this video is GOLD there’s no teacher out there in this field that can beat this video/course. May you continue to rest in peace angel 🫶🏽
May she absolutely rest in peace! I Have read that some people passed with only watching this video, is that the case for you> what other resources did you use> thanks!
I learned majority of the stuff from this video and used mometrix (website)and nmls practice test 2025 (app is on android and iPhone)to test my knowledge doing practice tests. Anything that came up that I didn’t know I would take notes on it. it would give you the reason why the answer is the answer and the reason why it’s not the answer
Any suggestion in the questionary?
I also passed with a 78% this video was crucial. Took MEC and had this on repeat 2 weeks before the test. Thank you Atricia Woods you sweet sweet angel.
@@Princessdiallo03 How was the NMLS practice test app? I downloaded it and I'm also using prepxl. Did you find it helpful for the exam?
This is great resource! I just passed today. guys listen the vedio twice addition to another materials. I am sorry you gone Atricia but you have living legacy! Rest in peace!
Literally listened to this on my way to the exam and passed. Barely, but passed
Thank you so much! I passed the NMLS exam today with an 83% just by listening to the video and taking notes from the slides. Your materials were incredibly helpful!
Hi, did you purchase any of her materials or just listened to her videos. I'm trying to take it and yes this lady was awesome. May she rest in peace.
@@alfredabrown2876 I only watched this video and it was enough for me
Passed with a 93% today and this video was an immense help. The way she phrases the questions are very similar to how they're written on the test. Regarding the content of the test, definitely focus more on the concepts and less on memorizing the ratios and penalties. A lot of the questions are very situational and not something you could look up if you didn't already know the answer. Good luck!
I m going to give it next week !!! I m so nervous …can u give me some tips ?
So helpful!!
Just pass today still good content thanks !!! Awesome video