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📊 SAFE MLO Exam Math — Made Simple. Master the Numbers and Pass with Confidence. Struggling with mortgage math? You’re not alone. This video walks you through the must-know math concepts for the SAFE Mortgage Loan Originator exam—step by step, with clear explanations and real exam-style questions. 👇 Try Birdsy FREE – AI-powered MLO Exam Prep 👇 👉 Visit: https://birdsy.ai ⏲ Find What You Need! Mortgage Math Essentials 0:37 - Basic Math and Financial Calculations 5:03 - Converting Interest Rates and Terms 8:42 - Loan-to-Value (LTV), Combined LTV (CLTV), and High LTV Calculations 12:07 - Debt-to-Income (DTI) Ratios Loan Origination and Qualification Math 15:41 - Qualifying Income (Hourly, Salaried, Commission-Based) 18:40 - Housing Expense and Total Obligation Ratios 22:05 - Down Payment and Cash-to-Close Calculations Loan Estimates and Disclosure-Related Math 25:41 - APR (Annual Percentage Rate) Estimates 28:59 - Finance Charges and Prepaid Costs 32:03 - Aggregate Escrow and Prepaid Interest ✅ In This Video, You'll Practice: Loan amount, interest, and monthly payment calculations Loan-to-value (LTV) ratio Discount points and buydowns Qualifying ratios (front-end and back-end DTI) Origination fees, closing costs, and prepaid items Amortization basics and common formulas APR vs. note rate Whether math is your strength or your weakness, this video gives you the confidence and clarity to face the numbers head-on—and get them right. 🎯 Perfect for: ✅ SAFE MLO exam prep ✅ Reviewing key formulas and problem types ✅ Building accuracy and speed with practice With Birdsy AI, you get more than answers—you get real understanding. We explain each problem in plain language and help you lock in the logic so you’re ready on test day. 📌 Subscribe for More MLO Exam Prep ✅ National content + UST topics ✅ Math, vocabulary, and tricky question reviews ✅ Personalized study support from Birdsy.ai 📩 Have Questions? Contact Us: Email: hello@birdsy.ai Visit: https://birdsy.ai 📚 Trusted Resources: ✅ Nationwide Multistate Licensing System (NMLS): https://nationwidelicensingsystem.org ✅ Birdsy.ai: Smarter, AI-powered exam prep built for MLO candidates — https://birdsy.ai