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welcome to this video on how to calculate adjustable rate mortgages brought to you by mortgage educators and compliance for those of you getting ready to take your national nmls test and need more help on understanding adjustable rate mortgages this video is a must watch many new loan officers and even seasoned loan officers still struggle when it comes to calculating adjustable rate mortgages in fact you might want to watch this video a couple of times to make sure you have a good understanding so in this video were going to cover some basics but also dive in a little deeper to give you some important tips for taking your test but as it is with any short video we may not cover every aspect of where someone might personally be struggling so i want to share with you the following for those looking to get into the mortgage industry mortgage educators and compliance or nbc for short offers everything you need to prepare to become a licensed mortgage loan originate from the 20-hour pre-li