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  • Test Preparation
SAFE National Test PREP-to-PASS

Boost Your Confidence. Boost Your Score.

Are you planning to become a licensed Mortgage Loan Originator?  If so, you must pass the SAFE National Test. Get the skills you need to pass the test the first time.

PREP-to-PASS, created by mortgage and regulatory experts, covers essential exam concepts. This proven program has helped thousands of loan originators pass their licensing exams. Online practice tests are included at no extra charge.

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PREP-to-PASS Includes:

Blue Square Bullet Point

Comprehensive Study Guide

with instant score reporting & results-driven study recommendations.

Blue Square Bullet Point

Online Practice Tests

covering all content areas of the NMLS exam.

Get the Edge You Need with PREP-to-PASS

Make no mistake, it is a tough exam. You really need to prepare for the SAFE National Test. PREP-to-PASS is a proven self-study program created by mortgage and regulatory experts.

Frequent Updates:
Content is regularly revised to keep pace with regulatory changes and NMLS guidelines.

Proven Practice:
Receive instant score reporting and personalized study recommendations based on your performance with our online practice tests. Thousands of MLOs have passed their licensing exams with this program.

Immediate Access:
Get started right away. You'll have online access to the study guide upon enrollment. Study anywhere, anytime on any device. You'll also receive a printed copy at no extra charge for your convenience. 


NMLS Licensing Requirements 

State-licensed mortgage loan originators are subject to the education and testing requirements of the SAFE Act. The Act requires all MLOs seeking state-licensure to pass the NMLS-developed SAFE Mortgage Loan Originator Test with a score of 75% or better.

In addition to passing the SAFE test, all state-licensed loan originators must also satisfy a minimum 20-hour NMLS-Approved Pre-license Education requirement to become licensed under the Nationwide Mortgage Licensing System. Save money with our discount package program that includes pre-license education and test preparation.

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Here's what our students are saying...

Real Estate Institute is an NMLS-Approved Course Provider, #1400102.


  1. Upon enrollment, you will be provided with a username and password so that you may immediately access the online study guide and practice tests.
  2. A printed copy of the study guide will be shipped within one business day of enrollment at no additional charge.
  3. Real Estate Institute offers programs specifically designed for loan originators to satisfy NMLS education and testing requirements. Click here for more information about mortgage licensing.


What are the testing requirements to become a licensed mortgage loan originator?

All individuals applying for a state-licensed mortgage loan originator license must pass the SAFE MLO National Test. This exam is scheduled and taken through Prometric, an NMLS-approved exam administrator.

How can the Real Estate Institute help me to prepare for the SAFE MLO National Test?

Real Estate Institute offers a test preparation program to help mortgage loan originators prepare for the National exam. Our program includes a study guide, online practice exams, and score reports.

View more information about the SAFE National Test PREP-to-PASS.

How do I schedule my SAFE MLO National Test?

Information regarding the National Exam, including how to schedule the exam, can be found at the NMLS website.

Have Additional Questions?

Visit the Help Center

Links and Additional Resources

Free Practice Tests

NMLS/SAFE Practice Tests