CA DFPI 20 Hour MLO Online Course with Best Test Prep

SAFE 20 Comprehensive Online Instructor Led OIL + CA-DBO 2-hour Course + Test Prep Plan

If you have already taken a 20-hour course and need only the 2-hour CA-DFPI (DBO) course covering the CA DPI required content, you can click here to enroll.

California 20-Hour Prelicensing Education Bundle with Test Prep and California CA 2-Hour Law Course Online Self Study OSS

SAFE 20 Online Course (OIL) #6125 plus Test Preparation Covering the National Component and Uniform State Test. This bundle also includes a 2-hour California Narrated State Law Course covering required CA State Law, a crucial component for obtaining your California MLO License.

See our learner’s course reviews, which are located below the course description. These reviews are a testament to the quality and effectiveness of our course. You can work on the course at your own pace, and your instructor is available during the course and test prep periods by email, chat, text, and call. Let's get started on your CA MLO License today!

Click “add to cart, enter your start date and the number of days needed at check out in the “delivery date” field, and enter into the “notes” field any other information, such as the student's name and email address if you are purchasing a course for a third party.

This course bundle includes all three necessary steps for education and testing success. (other providers sell the test prep as an extra service; we deliver all you need upfront)

  1. Comprehensive 20-hour online instructor-led course. Complete it in 2-14 days. Enter your start date and schedule length at check out.
  2. Progressive, comprehensive test prep plan so you can pass the NMLS exam on your first attempt. Most people take 1-2 weeks after course completion; our default period is 60 days of access. 
  3. Complete this fast and easy 2-hour CA online course. After course completion, there is NOT an additional exam on CA law; just apply for your license on the NMLS.

Step 1. Complete this engaging multi-media, narrated course where and when you choose mornings, afternoons, nights, and weekends. Enjoy this engaging learning experience, including chat access to the instructor most hours of the week, interactive exercises, learning games, and real-life examples assigned in 6 modules. Learners complete the assigned content during the period allotted to complete each module based on the course length chosen. Choose a course schedule that fits your schedule, which is as short as two or as long as 14 days. Our lead instructor has unrivaled experience and is ALWAYS available; again, see our reviews below!

This 20-hour SAFE course, along with our included progressive, comprehensive test prep path, prepares state-licensed mortgage loan originators (MLOs) to sit for the SAFE MLO National Component Test and pass on their first attempt. The SAFE Act requirement for twenty (20) hours of Nationwide Mortgage Licensing System (NMLS) approved education is met upon completing this class.

Delivered in six (6) content modules, this twenty (20) hour comprehensive course has a scheduled start and end date and time. It is available from any location as long as an internet connection is available.

This 20-hour SAFE comprehensive course includes three 3 hours of Federal law, 3 hours of Ethics, and 2 hours of training on nontraditional mortgage products. The remaining 12 hours of electives are allocated to the NMLS-tested content on the Uniform State Test, General Mortgage Knowledge, Federal Law and Ethics. This package includes a progressive, comprehensive test prep path that prepares state-licensed mortgage loan originators (MLOs) to sit for the SAFE MLO National Component Test and pass on their first attempt. The SAFE Act requirement for twenty (20) hours of Nationwide Mortgage Licensing System (NMLS) approved education is met upon completing this class.

  • Module 1 includes content to prepare you for the NMLS Test Categories on the Uniform State Test (UST) and General Mortgage Knowledge. Learn the difference between depository and state-licensed mortgage loan originators, understand the licensing process, and master key concepts and terms of the mortgage industry.
  • Module 2 Loan Origination Activities covering conforming and government loan guidelines, loan to value, qualifying borrowers, mortgage math appraisals, title work, and more to equip you with the basics to pass the NMLS exam.
  • Module 3, Federal Law TILA RESPA Integrated Disclosure (TRID), covers disclosure, timelines for disclosure and redisclosure, waiting periods, and document retention requirements in depth.
  • Module 4 Federal law continues with Qualified Mortgages, Higher Priced Mortgages and High-Cost Mortgage loans, the Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA) and more
  • Module 5 completes the strong Federal Law foundation we built with you for successful NMLS exam outcomes, covering the Privacy Act (GLB), Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act (FACTA), and the Dodd-Frank Act.
  • Module 6 finishes your SAFE 20-hour COMPREHENSIVE course on the topics of nontraditional mortgage lending, providing a working knowledge of Adjustable Rate Mortgages now that the mortgage industry has transitioned away from epic record low interest rates into moderate interest rates; also covered is how to protect you, your company and the consumer from mortgage fraud and closing the course with the basics concepts of ethics in mortgage lending.

After class registration, students receive a “Course Assignment Notification” to the email address provided. This notification provides the information required to successfully sign in to the Online Instructor-Led course through the LMS and includes such information as user account information, the title of the course, and the date and time the course begins and ends.

The AAA Mortgage Training Instructor is available at all times during class by email, discussion forums, chat application, text message, and phone as needed. Your instructor serves as your content expert and testing mentor until you pass your NMLS National Content Exam! We have helped thousands pass on their first attempt.

This course contains content closely mirroring the national component test content outline. Your experienced and knowledgeable instructor guides you through this comprehensive course. Additionally, the course includes unlimited online test preparation, including access to narrated multimedia presentations, learning games, and unlimited practice testing.

Step 2. SAFE 20 MLO Test Preparation Included

This comprehensive suite of services provides motivated individuals with the essential tools to pass the NMLS National Component Exam even if there has been a significant period since taking the 20-hour prelicensing class. We provide a money-back guarantee; review all of the course content, utilize every provided practice test, learning game, and quiz at least once, and if you fail the actual exam, email us your results and get a full refund of the money you paid for this highly comprehensive and practical test preparation course.

This portion of the course is the test prep portion after you have completed the NMLS-approved 20-hour course content. The default enrollment period is 60 days. Most learners get ready for the NMLS exam in 1-2 weeks of diligent test preparation effort.

This comprehensive test preparation course includes access to:

  1. Nearly 2000 questions are organized progressively using topical quizzes and mock exams to speed you to a passing score as quickly as possible so you can pass the real NMLS exam on your first attempt! Save yourself the wasted costs of repeat exam attempts and the even more expensive prospect of waiting and practicing another 30 days!
  2. Complete the presentation of the comprehensive online instructor-led course with open navigation so a learner can move freely in the course, accessing content on demand
  3. Searchable 300-page manuscript of reference material with a hyperlinked table of contents and the ability to search by keywords
  4. Charts, product summaries, and other reference documents
  5. Learning games as a pleasant, productive test preparation tool
  6. An audio-narrated key point presentation drives home concepts for passing the SAFE MLO National Component Exam with Uniform State Test Content.
  7. Unlimited practice testing is included for 60 days.
  8. Instructor access by text and phone. Other schools do not answer questions during the test preparation effort. AAA Mortgage Training is here to assist!

Do you have your NMLS number yet?

If you still need to do so, it takes 1 -2 minutes to get your NMLS number.

Click “Request an account.”

Click “Individual”

Enter your course schedule at checkout to the right of your billing address on the checkout form.

Most common schedules:

  1. The (8) day schedule begins at 8 AM EST or after, complete by Midnight EST the following Monday night.
  2. Five (5) day schedule begins at 8 AM EST or after, complete by Midnight EST Friday night.
  3. Fourteen (14) day schedule begins at 8 AM EST or after, complete by Midnight EST the 2nd Sunday night.
  4. Four (4) day weekend cram schedules start at 8 AM EST or after, complete by Midnight EST the following Monday night.
  5. Custom schedule: choose a start date and number of days with a minimum of 2 and a maximum of 14 calendar days.

Your instructor is accessible by email, chat feature, text, and or phone every day of your course schedule, and for your extended test preparation period, remember the 2-14 day course schedule is for the 20-hour part of your course package only, test preparation access and effort begins after your 20-hour course completion window. Content is released according to the course schedule, so choose the schedule length consistent with your best-effort completion timeline; 14-day schedules only permit finishing a little faster, such as seven days.

Step 3 NMLS Approved 2 Hour CA SAFE: 2 Hour SAFE California Online PE Narrated Self Study Law Education Prelicensing Course Online Self Study (OSS) #11154

This NMLS-approved course number 11154 narrated (this might be the only CA prelicensing course with audio, which helps learners stay on task and complete quickly and easily) California SAFE: Online CA State Law Pre-Licensing Elective. Enjoy a guided, narrated tour of California's required content through the mountains of fundamental law and regulation definitions.

Online narrated course rigged for your fast and easy successful completion:

  1. You get three attempts on all quizzes and the final assessment; we send you email quiz reports with the question, your answer, the correct answer, and an explanation
  2. There are learning games with identical questions in the course quizzes and final assessment, making passing a breeze and
  3. A searchable PDF you can review, download, and even search by keywords such as “fine.”

As the NMLS requires, learners finish the class by passing a final, end-of-course assessment. (Rigged for your success since you practice with our fun learning games)

Take action to get your license now: add to your cart and proceed to checkout. We report completion to the NMLS, most often the same or the next day following completion!

Congratulations on your new career. Take action by adding this package to your cart, proceeding to checkout, and getting started now!

$33.00 NMLS credit banking fees included in the course price, unlike many schools that add that on like a sales tax, no extra charges apply