Your mortgage career starts
with the right hours.
Not all 20-hour courses are built the same. Ours is structured specifically around the SAFE exam outline — so the hours you spend getting licensed are the same hours that prepare you to pass.
Four steps between you
and your mortgage license.
Understanding the full path helps you move through it faster. Here's exactly what stands between where you are and your first closed loan.
Every state is slightly different. Our Licensing Wizard builds a personalized checklist for every state you're pursuing — run it once to know exactly what you need.
20 NMLS-approved hours built around the SAFE exam outline. This is the course you're looking at now.
120 questions, 190 minutes, 75% to pass. Our course is structured to prepare you for every topic on the outline.
Submit your state application, secure employer sponsorship, and begin your mortgage career.
Know what you’re walking into.
120 questions. 190 minutes. 75% to pass. Our course is structured around every topic on the outline — so nothing on exam day is unfamiliar.
20 Hours Built to Get You Licensed and Prepared.
What makes 20 hours
actually matter.
Most courses are built around compliance. Ours is built around outcomes — getting you licensed and prepared to pass the SAFE exam the first time.
Most courses are built around compliance. Ours is built around the SAFE exam outline — every hour connects to what you'll be tested on.
Nearly 50% of the exam covers content outside the 8 mandatory hours. We use every elective hour to address exactly that gap.
Email access to an instructor with 15+ years of NMLS training experience. A person who can answer your actual question.
Alan Kositzke has spent more than 15 years teaching mortgage licensing. Every lesson focuses on the topics that help students pass.
Choose your course.
- All 20 required hours: 3 federal law, 3 ethics, 2 nontraditional lending and 12 electives
- Every topic on the SAFE MLO Test content outline, taught from the ground up
- Start any day on a 3, 7, or 14 day schedule, online and instructor-led
- Interactive learning activities and realistic loan-file cases, with every term defined at first use
- Group discussions with classmates and a live course chat with your instructor
- Expert instructors with over 15 years of SAFE Exam experience
- Completion certificate, and your hours reported to NMLS the same day you finish
From first day to
first license.
“I passed the SAFE exam on my first attempt. The way this course is structured around the exam outline made all the difference. I actually felt prepared walking in.”
“I came from a completely different industry. The instructor access was the thing that kept me from quitting. Having a real person to ask real questions made it manageable.”
“Other courses felt like reading a textbook. This one felt like someone was actually teaching me. I finished genuinely understanding mortgage — not just memorizing it.”
Before you start,
here’s what new
students ask.
Your completion is reported to the NMLS. From there, you'll schedule the SAFE National Exam, then submit your state license application and secure employer sponsorship.
The hours that open a career worth building.
The licensing process has steps you can't skip. But you can control how well you move through them. Start with a course that was built specifically to get you licensed and prepared — not just compliant.
- All 20 required hours: 3 federal law, 3 ethics, 2 nontraditional lending and 12 electives
- Every topic on the SAFE MLO Test content outline, taught from the ground up
- Start any day on a 3, 7, or 14 day schedule, online and instructor-led
- Interactive learning activities and realistic loan-file cases, with every term defined at first use
- Group discussions with classmates and a live course chat with your instructor
- Expert instructors with over 15 years of SAFE Exam experience
- Completion certificate, and your hours reported to NMLS the same day you finish