100% free · English & Español
Become a mortgage loan officer.
Understand the business, follow the license path step by step, learn the laws, and practice the SAFE MLO exam until you are ready. Taught by people who originate loans every day.
Your path
Exam readiness (example)
75%
4 of 7 modules done
Last practice exam: 78%
Weakest topic: Federal laws
Federal laws
58%
General knowledge
84%
Origination
79%
Ethics
90%
Uniform State Content
72%
20 hours
of NMLS-approved pre-licensing education
75%
to pass the SAFE MLO Test · 115 scored questions · 190 min
$110
test fee, paid in NMLS
$76,690
median pay for loan officers (BLS, May 2025)
Sources: NMLS MLO Testing Handbook and fee schedule; U.S. Bureau of Labor Statistics. Last reviewed: November 2026.
Module 1 · The career
Is this career for you?
What a loan officer does
Meets buyers, reviews income and credit, finds the right program and walks the family to the closing table.
How you get paid
Salary, commission or both — what basis points are, how a pay plan works, and what a first year really looks like.
A day in the life
Leads, realtors, processors and deadlines: a real week inside a branch, told by its loan officers.
Earnings calculator
Loans per month × average loan × your pay plan: see what your goal requires.
Module 2 · The license path
Seven steps to your MLO license.
Each step opens a guide with links to the official NMLS and state pages, costs and what to upload.
01
Create your NMLS account
Get your NMLS ID — it follows you your whole career.
02
20 hours of pre-licensing
3 h federal law, 3 h ethics, 2 h non-traditional lending, 12 h electives, with an NMLS-approved provider.
03
Study and practice here
Modules by exam topic and practice exams until you score above 75%, consistently.
04
Take the SAFE MLO Test
National Test with Uniform State Content, at a test center or proctored online.
05
Background and credit
Fingerprints for the FBI check and a credit report authorization, through NMLS.
06
Apply and get sponsored
File the MU4 for your state; a licensed mortgage company sponsors you.
07
Licensed — keep it current
8 hours of continuing education and a renewal every year.
GEORGIA
Licensing in Georgia
Regulated by the Department of Banking and Finance. No separate state test. Fees, affidavit and checklist step by step.
Exam prep
Study by the exam's own outline.
Five areas, weighted like the SAFE MLO Test content outline. Short lessons, flashcards and a quiz at the end of each one.
27%
Loan origination activities
Application, disclosures, qualifying, appraisal, closing.
24%
Federal mortgage laws
RESPA, TILA, TRID, ECOA, HMDA and more.
20%
General mortgage knowledge
Conventional, FHA, VA, USDA; terms and products.
18%
Ethics
Fraud, predatory lending, fair lending, consumer protection.
11%
Uniform State Content
SAFE Act licensing, regulators, renewals.
The laws
Every rule, in plain language.
One card per law: what it protects, what the loan officer must do, the deadlines, and the classic exam traps.
SAFE Act
RESPA · Reg X
TILA · Reg Z
TRID
ECOA · Reg B
HMDA · Reg C
FCRA / FACTA
Gramm-Leach-Bliley
Fair Housing Act
HOEPA
Ability-to-Repay / QM
Bank Secrecy Act / AML
MAP Rule · Reg N
Homeowners Protection Act
TCPA / Do-Not-Call
E-SIGN
Georgia Residential Mortgage Act
Practice exams
A new exam every time you sit down.
- Drawn from our question bank by the exam's topic weights, so no two attempts are the same.
- Answers shuffled and every question explained — why the right one is right.
- Drills and simulations: 20-question drills today, the full 115-question simulation as the bank grows.
- Your weak spots first: the next exam leans on the topics you missed.
Attempt history (example)
Goal 75%
Free access
Request your free access.
Tell us where you are in the process and we will open the Academy for you — with the modules and practice exams that fit your step.
- All modules and practice exams, free
- Your progress is saved in your browser
- Study in English or Spanish
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Passed the test? Start your career with us.
Licensed students can apply to join the branch: sponsorship, training on the platform and a team that closes loans every week.