Debt-to-income ratios.  Loan-to-values.  Combined loan-to-values.  High credit loan-to-values.  W-2 income.  Self-employed income.  Permanent discount points and temporary buydowns.  It’s all enough to make the average NMLS Exam candidate rock himself in the corner sucking his thumb!  Whether you’re Carl Gauss or someone who can’t count higher than the number of fingers on your hands, mortgage math is a critical aspect of originating mortgages and something with which you must be proficient in order to pass the SAFE National MLO Licensing Exam.  This training video explains how to understand what you need to know for the NMLS Exam and beyond and will prove itself a critical asset to your NMLS Exam prep process.