SAFE MLO Pass Course
5 chapters · 26 lessons · about 5 hours. Each lesson teaches one concept from the official NMLS SAFE MLO exam outline, then hands you ten practice questions to prove it.
▶ 20 video lessons — watch freeFederal Laws & Regulations
8 lessons · ~98 min
RESPA: Reg X Essentials
Apply Section 8 kickback rules, the $50 gift cap logic, and escrow/servicing disclosures.
TILA & Reg Z Fundamentals
Compute what goes into the finance charge and APR, and apply the right-of-rescission clock.
TRID: LE & CD Timing
Run the 3-day Loan Estimate, 7-day waiting, 3-day Closing Disclosure clocks and tolerance buckets.
ECOA & Reg B
Name every protected class, the 30-day notice rules, and what may never be asked.
HMDA, FCRA & FACTA
Cover LAR reporting purposes, adverse-action duties, and red-flag identity rules.
GLBA Privacy & Safeguards
Apply privacy notices, opt-outs and the Safeguards Rule to borrower data.
The SAFE Act & Licensing
Know MLO licensing triggers, unique identifier rules, and the 20-hour/8-hour education math.
HPML, HOEPA & ATR/QM
Separate high-priced from high-cost loans and apply ability-to-repay and QM tests.
General Mortgage Knowledge
5 lessons · ~58 min
Conventional, FHA, VA & USDA
Match borrower scenarios to the right program: down payment, MI, eligibility, limits.
ARMs: Index, Margin & Caps
Compute a fully indexed rate and apply initial/periodic/lifetime caps.
PMI, MIP & Guarantees
Contrast PMI cancellation rules with FHA MIP and VA funding fees.
Products & Amortization
Distinguish fixed, balloon, interest-only, reverse and construction loans and their amortization.
The Note & Security Instrument
Separate the promise to pay from the lien, and lien theory from title theory states.
Loan Origination Activities
6 lessons · ~71 min
The 1003 Application
Collect a complete URLA and know what makes an application "complete" under TRID.
DTI, LTV & Qualification Math
Compute front/back DTI, LTV/CLTV, and qualifying income from paystubs to self-employment.
Income & Asset Analysis
Average variable income correctly and source large deposits and gift funds.
Credit & Underwriting
Read tradelines, derogatory events and waiting periods after BK/foreclosure.
Appraisal, Title & Closing
Track the file from appraisal independence rules through clear-to-close.
Rates, Points & Fees
Price the loan: discount points, lender credits, buydowns and per-diem interest.
Ethics, Fraud & Consumer Protection
4 lessons · ~44 min
Fraud for Housing vs Profit
Recognize occupancy fraud, straw buyers, flipping schemes and air loans.
Predatory Lending Red Flags
Spot equity stripping, loan flipping, packing and steering before they close.
Fair Lending in Practice
Apply disparate treatment vs disparate impact and redlining to daily origination.
Advertising & MAP Rules
Keep ads compliant: trigger terms, deceptive claims and social-media conduct.
Uniform State Content
3 lessons · ~32 min
State Regulators & the CSBS
Know what state regulators may examine, order and penalize under the model act.
License Status & Renewal
Track active/inactive status, renewal windows, and continuing-education rules.
Prohibited Conduct & Records
Apply advertising file, record-retention and surety-bond duties, and the prohibited-conduct list.
Frequently asked questions
Is the SAFE MLO Pass Course free?
Yes. All 26 written lessons are free to read, and the ten-question checks, progress tracking and app sync are included with a free account. No credit card required.
Does the course follow the official exam outline?
Yes — the 5 chapters mirror the official NMLS SAFE MLO exam content outline, so study time is distributed the way the exam weights it.
How long does the course take?
About 5 hours of reading across 26 lessons (12 minutes each on average), plus practice time.
Do I need an account to read the lessons?
No — every lesson is readable without an account. A free account adds the per-lesson quizzes, mastery tracking, flashcards and lesson videos, synced with the EstatePass iOS app.