MLO Pre-Licensure FAQ
Plain-English answers before you enroll.
Use these answers to understand state-specific education, course access windows, refunds, and NMLS credit reporting.
State-Specific Education
I plan to get licensed in a state that has a state-specific requirement. Can I still take this course?
Yes. Our 20-Hour SAFE Comprehensive course satisfies the national SAFE education requirement recognized by NMLS for all states. If your state requires additional state-specific education, you can complete that requirement separately through a different approved provider.
Many students choose to complete the national 20-hour course with us because we offer an affordable option for the national requirement, then complete any required state-specific education separately through a different approved provider. After you complete our course, we will report your 20 hours to NMLS.
Does the 20-Hour SAFE Comprehensive course satisfy the national SAFE education requirement?
Yes. Our 20-Hour SAFE Comprehensive MLO Prelicensure Course satisfies the national SAFE education requirement recognized by NMLS.
Does the national course satisfy every state's full education requirement?
Not always. Some states require state-specific education in addition to the national 20-hour SAFE course. You can review NMLS's state-specific education requirements here: NMLS State-Specific Education Requirements.
If your state has a state-specific requirement, you will need to complete that requirement separately through a different approved provider unless we specifically offer that approved state course.
Enrollment Window
How long do I have to complete the 20-Hour SAFE Comprehensive MLO Prelicensure Course?
After you first access the course, you have 13 days to complete it. This timing requirement is tied to NMLS course rules, so the original 13-day window cannot be extended.
What happens if I do not finish the course within 13 days?
If you are unable to complete the course within the 13-day window, contact us and we can reset your registration back to the beginning. That gives you a new 13-day completion window.
Will I lose access if I miss the 13-day deadline?
No. You will not lose access to your account. You have up to two years to complete the course, but each course attempt must be completed within 13 days of first accessing it. If you have course progress and the 13-day window expires, that progress will expire and we will reset your registration back to the beginning so you can start again with a fresh 13-day window.
Would I need to purchase the course again if I do not finish in time?
No. If you do not complete the course within the required 13-day window, we can reset your enrollment for you. You do not need to purchase the same course again just because you missed the original window.
Can you extend my original 13-day window instead of resetting the course?
No. The original 13-day window cannot be extended because it is a strict NMLS course requirement. The available option is to reset your registration and start a new 13-day window.
When is my NMLS credit reported?
NMLS credit is reported only after the student has fully completed all course requirements, including required instructional time, quizzes, discussions, case studies, and a passing final exam. Credit is submitted to NMLS within 7 calendar days after successful course completion. Students must provide a valid individual NMLS ID when required.
Refunds
How does the 30-day money-back guarantee work?
Our 30-day money-back guarantee is available as long as you have not completed the course. If you are within 30 days of purchase and have not completed the course, you may request a refund regardless of whether your 13-day course window has expired.
When would a refund be denied?
A refund may be denied if the course has already been completed or if the refund request is made more than 30 days after purchase.
If I miss the 13-day completion window, can I still request a refund?
Yes, as long as you are within the 30-day refund period and have not completed the course. You may also choose to have your registration reset instead of requesting a refund.