I used this study guide for 2 months and while I failed the exam with a 73 (2 points shy) the first time I took it, I repeatedly did the test practice exams inside for a solid month and I passed the second time with a 90. I am now a loan officer with a major lender in the country and I cannot recommend this book highly enough. Pair it with the Mometrix study cards and your shoo in to pass this exam…