Example: "True or False?" To compute monthly income, always figure annual income first and divide by 12. "TRUE."

Next question: If Pat makes $400 a week, and is paid two weeks vacation, how much does she make in a month? Answer one $400 times 4 equals $1600. Answer two: $400 times 52 divided by 12 equal $1,733.

You say that's not logical? This is a GOVERNMENT exam, where did you get the impression logic had anything to do with the process?

In spite of the fact that most of the math on the NMLS Mortgager Loan Originators Exam is third or forth grade level math, most people who sit for the exam flunk the math section. Its not that they can't do math, its that the GOVERNMENT can't do math.

Invest 99 cents and two hours and you can amaze your friends and family (or maybe just pass the MLO exam).