Mortgage FAQs

Straight answers to the questions people ask about mortgage licensing, with the answer for every state we cover.

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Are there any MLO license practice tests?
RealEstateU’s MLO license study guide includes five MLO practice tests. Our practice tests will get you prepared to pass the MLO license exam on the first try.
How good are your MLO exam practice tests?
Our MLO license practice tests cover the same topics you will be tested on when you sit for your MLO license exam.
Is the MLO license exam hard?
Yes, the MLO test is difficult and will require at least several hours of study. However, with the right MLO test prep, you should expect to significantly outperform other test takers.
What is the format of the MLO license test?
The National MLO license test (also known as the SAFE Mortgage Loan Originator Test) consists of 120 multiple-choice questions, with a time limit of 190 minutes, and a passing grade of 75% or better.
What topics are tested on the MLO license test?
The SAFE MLO test consists of the following subjects: 1) Federal mortgage related laws (24% of the exam) 2) Uniform state content (11% of the exam) 3) General mortgage knowledge (20% of the exam) 4) Mortgage loan origination activities (27% of the exam) 5) Ethics (18% of the exam)
Where do I take the MLO license test?
The SAFE MLO test must be taken through Prometric. Prometric offers the exam in-person at one of their testing facilities, or online.