WA NMLS Approved MLO 22 Hour Online Course

Washington NMLS SAFE 20-Hour Online Course with WA 4-hour Course with AAA Mortgage Training's Ace Test Prep Plan

You can click here to enroll if you have completed a 20-hour course and only need the 4-hour Washington law course, which covers the NMLS-required Washington law content.

Click here to get the WA 22-Hour Course Without Test Prep because you already have a test prep program or want to add test prep later.

Course Details Summary

This first section introduces the AAA Mortgage Training's Washington NMLS SAFE 20-Hour Online Course, a comprehensive education bundle designed for individuals aspiring to become mortgage loan originators in Washington. The course, which includes a 4-hour Washington law course, is meticulously crafted to facilitate the licensing process, ensuring you are well-prepared for your career.

  • Course Structure: Our training is designed to comprehensively understand the mortgage industry. It consists of a 20-hour SAFE course, a test preparation program, and a 4-hour narrated Washington law course, which fulfills the educational requirements for obtaining a Washington Mortgage Loan Originator (MLO) License. This structure is designed with your convenience in mind, ensuring that you can manage your time effectively and be well-prepared for the NMLS exam and the responsibilities of a mortgage loan originator. 
  • Flexible Learning: Our course is designed to accommodate your schedule. You can complete the course at your own pace within a 2- to 14-day timeframe, with access to an instructor for support via various communication methods. We understand the demands of your life and have tailored our course to fit your needs. This flexibility allows you to balance your professional and personal commitments while pursuing your career goals. 
  • Test Preparation: Our course includes a progressive test preparation plan to help students pass the NMLS exam on their first attempt. With access to nearly 2,000 questions and unlimited practice testing, we ensure you are fully prepared for the exam, increasing your chances of success. 
  • Course Modules: The curriculum encompasses essential topics, including federal law, ethics, loan origination activities, and non-traditional mortgage products, organized into six modules. 
  • Completion and Reporting: After course completion, students receive a Course Assignment Notification, and their completion is reported to the NMLS, typically within one to two days. This streamlined process ensures that you can focus on your learning, while we take care of the administrative tasks. 
  • Cost and Enrollment: The course includes all necessary fees in the price, and interested individuals can enroll by adding the course to their cart and proceeding to checkout.

AAA Mortgage Training is excited to guide you through becoming a mortgage loan originator in Washington, utilizing our 20-Hour Prelicensing Education Bundle with Test Prep and the Washington 4-Hour Law Course Online Self-Study OSS. The process for becoming a loan officer in Washington is the same as that of a mortgage loan originator in Washington, as loan officer licensing in Washington is also uniform.

Take this SAFE 20 Online Course (OIL) #6125, along with test preparation covering the National Component and the uniform state test. This includes a 4-hour Washington narrated state law course covering the required Washington state law— a crucial component for obtaining your Washington MLO License.

See our learners' course reviews, 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 preparation periods via email, chat, text, and phone calls. Let's get started on your WA MLO License today!


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

  1. Our comprehensive 20-hour, instructor-led online course is designed for your convenience. You can complete it in 2-14 days and choose your start date and schedule length at checkout.
  2. A progressive and comprehensive test prep plan to help you 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 4-hour WA online course. After completing the course, there is no additional exam on Washington law; you can apply for your license on the NMLS.

Step 1. Our engaging, multimedia-narrated course is designed for your convenience. You can learn anytime, whether in the morning, afternoon, evening or even on weekends. This flexible learning experience, which includes chat access to the instructor most of the week, interactive exercises, learning games, and real-life examples assigned across six modules, allows you to complete the assigned content within the allotted period for each module based on the chosen course length. You can select a course schedule that fits your busy schedule, ranging from as short as two days to as long as 14 days. Our lead instructor, who has unrivaled experience, is ALWAYS available; again, see our reviews below! You can be assured that you will be supported and guided throughout your learning journey.

This 20-hour SAFE course, which includes a progressive and 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 content modules, this twenty-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 is a one-stop solution. It includes three hours of Federal law, three hours of Ethics, and two hours of training on nontraditional mortgage products. The remaining 12 hours of electives are allocated to NMLS-tested content, including 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 pass the SAFE MLO National Component Test 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, providing you with a comprehensive and thorough preparation for your career as a mortgage loan originator.

  • Module 1 includes content to prepare you for the NMLS Test Categories on the Uniform State Test (UST) and General Mortgage Knowledge. Learn the distinction between depository and state-licensed mortgage loan originators, comprehend the licensing process, and grasp key concepts and terminology of the mortgage industry.
  • Module 2: Loan Origination Activities, covering conforming and government loan guidelines, loan-to-value ratios, 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), provides in-depth disclosure coverage, timelines for disclosure and redisclosure, waiting periods, and document retention requirements.
  • 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 foundation in Federal Law that we built with you for successful NMLS exam outcomes, covering the Privacy Act (GLB), the Fair Credit Reporting Act, the 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.

At AAA Mortgage Training, we understand the importance of support during your learning journey. Our instructor is always available via email, discussion forums, chat applications, text messages, and phone as needed during class. Your instructor is 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. Our comprehensive SAFE 20 MLO Test Preparation is Included, ensuring you are fully prepared for the exam.

This comprehensive suite of services provides motivated individuals with the essential tools to pass the NMLS National Component Exam, even if it has been a significant amount of time since taking the 20-hour pre-licensing 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 course is the test preparation portion after completing 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 2,000 questions are organized progressively, utilizing topical quizzes and mock exams to help you achieve a passing score as quickly as possible, enabling you to 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. Using uniform state test content, An audio-narrated key point presentation effectively conveys concepts for passing the SAFE MLO National Component Exam.
  7. Unlimited practice testing is included for 60 days.
  8. Instructor access by text and phone. Other schools do not provide answers to 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, obtaining your NMLS number takes 1-2 minutes.

https://www.statemortgageregistry.com/Public/Login.aspx

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 later and must be completed by Midnight EST the following Monday night.
  2. The five-day schedule begins at 8 AM EST or later and is complete by Midnight EST on Friday night.
  3. The fourteen-day schedule begins at 8:00 AM EST or later and must be completed by Midnight EST on the second Sunday night.
  4. Four-day weekend cram schedules start at 8 AM EST or later and must be completed by Midnight EST the following Monday night.
  5. Custom schedule: Choose a start date and the 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 a schedule length consistent with your best-effort completion timeline. 14-day schedules permit finishing a little faster, such as in seven days.


Step 3 NMLS Approved 4 hour WA SAFE: 4-hour SAFE Washington Online PE Narrated Self Study Law Education Prelicensing Course Online Self Study (OSS) #11236

This NMLS-approved course, number 11236, is narrated— a feature that may be unique to this Washington pre-licensing course, as it helps learners stay on task and complete it quickly and easily. It is also a Washington SAFE: Online WA State Law Pre-Licensing Elective. Enjoy a guided, narrated tour of Washington'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 that you can review, download, and search by keywords, such as “fine.”

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

Your instructor is nearly always available by email, chat, text, or call, which is the HUGE difference maker between AAA Mortgage Training and other schools; most schools hire an instructor who works a schedule similar to 9a-6p of their chosen time zone Monday-Friday and try to get learners to conform to the instructor’s schedule making completing the course more challenging for MLO license applicants if they need to do some, most or all of the course outside those "normal business hours."

At AAA Mortgage Training, your instructor responds and serves our clients 365 days a year, mornings, afternoons, nights, and weekends, and routinely approves assignments and answers questions as late as 1 AM or later EST. We invite learners to text and or call. Other school instructors work and respond during their defined scheduled days and hours and within the course delivery system only.

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, note that the 2-14 day calendar 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. Choose the schedule length consistent with your best effort completion timeline; 14-day schedules do not permit finishing significantly faster, such as 5 days. One reason for this critical NMLS rule requirement on releasing content in a structured, disciplined manner is that shorter schedules better defend against some inevitable memory loss, and a structured, disciplined approach to the test preparation effort yields a better passing probability.

We report course completions to the NMLS, most often the same day or the day following completion; congratulations on taking action to get your Washington MLO License; add this course to your cart, proceed to check out, and get started right away at your convenience. Technical and content support will not be needed, yet we are standing by you just in case available days, nights, weekends, and holidays too!

 $36.00 NMLS credit banking fees are included in the course price, unlike many schools that add that on like a sales tax, effectively increasing their advertised prices at the last minute when they know they have you; no extra charges apply here at AAA Mortgage Training.

Congratulations on exploring a mortgage career; let's conquer this task together; why not just add this package to your cart? We can get started today, and you can become a mortgage loan originator in Washington!