2 Hour NJ SAFE: 2026 Continuing Education Online Self-Study Course #18458

By the end of this course, learners will be able to:

• Understand the requirements for written disclosures during the mortgage application process, including the disclosure of application fees, loan estimates, refund terms, and processing timelines. 
• Learn how to ensure compliance with New Jersey’s regulations and provide clear communication to borrowers to protect their rights and maintain transparency in the lending process.
• Understand the borrower’s options and protections when a lock-in agreement or commitment expires without the loan closing on time, including the right to withdraw, extend the agreement, or terminate the commitment.
• Explain the main provisions of the New Jersey Consumer Fraud Act and the New Jersey Home Ownership Security Act, including protections against deceptive practices and predatory lending.
• Recognize unlawful practices under both Acts, such as fraudulent misrepresentations, failure to disclose important information, and high-cost home loan violations.
• Understand the legal consequences for lenders and mortgage professionals found in violation of these acts, including penalties, restitution, and consumer compensation.
• Have a more thorough understanding of New Jersey state-specific advertising guidelines; and 
• Be better prepared to identify trigger terms under the Truth in Lending Act. 
• Have a better understanding of what constitutes a prohibited act under New Jersey State law.
• Be better prepared to detect red flags for mortgage fraud.
• Have the confidence to bring questionable loan files to a “hard stop” when necessary. 
• Be familiar with the New Jersey Law Against Discrimination, and how the law applies to MLOs; and 
• Have a deeper understanding of Federal Fair Lending laws.