Start with the requirement you need to meet
If you still need mandatory education, first choose an appropriately approved course for your licensing route. If education is complete and your difficulty is applying rules to questions, additional practice may be the more relevant task. Comparing only a brand name or question-bank size can hide this distinction.
This comparison is published by EstatePass, the maker of MortgagePass. It is an explanation of use cases, not an independent ranking or a claim that our learners outperform another provider’s learners.
Compare the job each option must do
| Decision | MortgagePass | Kaplan option you are considering |
|---|---|---|
| Required PE credit | Independent practice; does not award PE credit | Verify exact NMLS course approval and applicable state coverage |
| Trying questions | Start with the linked free practice entry | Confirm current sample access and package contents on the provider site |
| Structured instruction | Use as a companion to your approved education | Confirm teaching format, schedule and support for the selected package |
| Access and cost | Review the current product and account terms | Confirm current price, access period, refund terms and included materials |
| Official exam result | Cannot promise a result | Do not treat a marketing promise as an official exam outcome |
What was and was not verified
Current pricing and package contents at the Kaplan mortgage site have not been verified as of October 20, 2026. This page makes no current Kaplan price, question-count, support or availability claim. Confirm the package directly with the provider before comparing cost or purchasing.
Use NMLS approved course-provider guidance to verify education status. Confirm the specific course, not merely that a brand has offered mortgage education in the past.
A practical way to combine education and practice
Complete the approved coursework and keep its completion evidence. Use fresh MortgagePass questions to identify a concept you cannot apply. Return to your course material for the rule, then answer a different scenario and explain why the alternatives fail. Finally, mix topics to practise deciding which rule applies without a chapter heading giving it away.
Avoid paying for several overlapping banks just to increase a question count. A smaller amount of carefully reviewed, unfamiliar practice can reveal more than repeatedly recognising answers. Your goal is to identify and repair mistakes, not to manufacture a confidence score.
Questions to ask before buying a course
Ask for the current course identifier and approval, whether your state’s requirements are covered, delivery dates, access duration, support arrangements and the written refund policy. If an answer is unclear, resolve it before purchase rather than assuming an old comparison article still applies.
For other approaches see the MLO prep overview and sibling comparisons below. No provider’s marketing pass rate is presented here as an NMLS statistic or a forecast of your result.
A little more clarity
Questions, answered.
Can MortgagePass replace required PE?
No. Complete required NMLS-approved education separately. MortgagePass supports exam practice.
Can I use Kaplan and MortgagePass together?
Yes, if the Kaplan course you select meets your verified education needs. Use independent practice to identify and repair gaps alongside the course material.
Which option is cheaper?
Confirm the current package prices and terms directly. This comparison does not publish unverified Kaplan pricing or assume that all MortgagePass access is free.
Put your next step into focus.
Take what you have learned into your next study session. Use the linked practice and resources to decide where to focus.
Try free MortgagePass practiceEducational information and independent practice. Confirm current examination, education and licensing requirements with the linked official sources. Practice results do not guarantee an examination result or eligibility.