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Kansas Pre-License Education (PE)
for Mortgage Loan Originators (MLO)

Pre-license education, often called PE or NMLS pre-licensing, is a mandatory training program required by federal law for all aspiring Mortgage Loan Originators (MLO). The SAFE Mortgage Licensing Act requires all MLO candidates to complete 20 hours of pre-license education. Complete these course hours in a virtual classroom or through an interactive, online instructor-led course. Want to know more about the licensing process? Click here.

Your Path, Your Pace, Your Success

Mortgage Loan Originator License Program Options
Choose a Program to Enroll

The program listed below includes the Pre-Licensing Education (PE) courses required by the NMLS to apply for a Kansas Mortgage Loan Originator license and the Exam Prep course to help you prepare for the licensing exam.

20-Hour SAFE Comprehensive MLO Fundamentals Program

$399 $524
SAVE $125

Courses included:

  • 20-Hour SAFE Comprehensive
  • National Exam Prep Course

Additional Details:

  • FREE Books / PDFs Included
  • FREE Exam Prep Retakes for 1 Year
  • 20 NMLS Credit Hours
  • Online Exam Prep is Interactive (not Instructor-Led)
  • Online Instructor-Led 20HR SAFE course is covered in 7-days and requires Zoom to interact with an Instructor at several points throughout the course. Click here to learn more about how this delivery method works.
  • Click here to view the Online Instructor-Led course syllabus
This basic program includes all of the National education required by the NMLS to apply for a license and prepare for the licensing exam.

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$399
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NEW Delivery Method for
20-Hour SAFE Course!

Online Instructor Led

Our thoughtfully designed online courses offer an engaging learning experience featuring a sleek and intuitive interface, captivating videos, and interactive activities that ensure you learn the NMLS aligned material to succeed in this exciting career.

Uses Zoom
Real Teachers
Exclusive Curriculum

NMLS Required Pre-Licensing Education (PE) Courses

The following courses are required by the Kansas Office of the State Bank Commissioner (KOSBC) and must be completed by every license applicant.

20-Hour SAFE Comprehensive: Mortgage Loan Originator Fundamentals

20 Credit Hours (NMLS)
Learn the Federal laws, ethics, and lending principles necessary to become an RMLO.

This course will provide the student with a comprehensive review of the Federal laws, ethics, and lending principles essential for their development and advancement as a residential mortgage loan originator. At the conclusion of the course, the student will understand the major provisions of the Real Estate Settlement Act, the Truth in Lending Act, the Equal Credit Opportunity Act, the Secure and Fair Enforcement for Mortgage Licensing Act, and other Federal Acts.

Topics Covered Include: Ethics (3-Hours), Federal Law (3-Hours), Non-Traditional Mortgage Lending (2-Hours), and Elective Topics (12-Hours)

  • Textbooks / PDFs included
  • NMLS Provider #1400073
  • NMLS Approval #2029 (Classroom / Virtual Classroom)
  • NMLS Approval #16818 (Online Instructor-Led)

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$289
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Important Information

Important Information Related to 20-Hour SAFE Comprehensive: Mortgage Loan Originator Fundamentals Course:

Textbook(s): A textbook is required to participate in any Live Broadcast class. Please obtain before the first day of class.

NMLS Missed Time Policy: As required by the NMLS, students in Loan QE/CE courses cannot miss more than 10 minutes of cumulative class time. Students who miss more than 10 minutes will be required to re-schedule at no charge.

Regarding the Online Instructor-Led Course, Please Note: This course combines interactive online modules with required instructor interaction. The course must be completed within a specified 7-day window and requires students to complete online modules by specific deadlines. Students must also attend several required Zoom sessions with an instructor to ask questions and review important topics. Failure to attend a session will result in the student being dropped from the course and forced to reschedule.

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Stand-Alone Exam Prep Course

The following course is designed to prepare you for the Mortgage Loan Originator licensing exam. This course is also available at a discounted rate when purchased together in the 20-Hour PE program listed above.

Loan Originator Exam Prep

Not for Credit
An intense preparation course for the RMLO National Exam.

This 3-day course is an intense preparation course for the National Exam. Our intensive prep material is similar to the actual exam and updated regularly to help our students benefit from a high passing rate on their first attempt! The material covers all sections of the loan Originator National exam. Our course is designed to increase your powers of recall and confidence, and help renew your learned skills fast!

This course includes math, test taking techniques, discussion questions, terminology and mock exams, all designed to enable you to target the most relevant topics and thoroughly understand all of the materials.

  • Textbooks / PDFs included
  • Unlimited FREE retakes for one year included - If you have paid for this course within that time period, you may contact a Champions campus or email our online support team to schedule a retake at no charge.

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$235
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Important Information

Important Information Related to Loan Originator Exam Prep Course:

Please Note: Starting March 1, 2019, Champions will assess a $35 "No-Show" Fee before rescheduling any PREP class student who misses a class (Classroom) that they were scheduled to attend.

Please Note: Students who purchase our Exam Prep course are entitled to FREE retakes for 1 year after the initial enrollment. If you would like to schedule a retake of this course, please contact a Champions campus to speak with a Counselor or reach out to our online support staff via email or our online chat tool.

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Set Your Mortgage Loan Originator License Education Course Schedule.
Virtual and Online Course Options Available!

Virtual Classroom

Attend live classes from the comfort of your home! Our ChampionsLive virtual classrooms are perfect for students who prefer at-home learning, but also want live instruction.

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Online Instructor-Led

A structured online course with limited instructor interaction. Perfect for independent learners who want the chance to ask questions to an instructor. A webcam and stable internet connection are required.

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Please Note - This delivery method must be completed within a set 7-day window.
Online Interactive

Perfect for independent learners, this delivery is completely self-paced and includes videos and activities. Accessible from any mobile or desktop device with an internet connection.

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Please Note - This delivery method is only available for all QE, select SAE and CE courses.

Steps to Earning a Mortgage Loan Originator (MLO) License

Step 1 - Create an Individual User Account with the NMLS

Visit www.statemortgageregistry.com to setup your username and password. Be Sure to bring your NMLS number to class.

Step 2 - Complete the required 23-Hour SAFE Comprehensive Course

Students who apply for their LO License with NMLS will be required to complete the 20-Hour SAFE course, 3-Hour TX-SML SAFE: Texas Law and Practice, and pass the National Exam. We offer a package containing everything necessary to satisfy these requirements.

Step 3 - Register for our Loan originator Exam Prep course

Register for our 3-day Loan originator Exam PREP course to prepare for the National Test. Remember, once you pay the initial fee for the PREP you may re-take our PREP as many times as you want at no charge for one year!

Step 4 - Login to your NMLS Account and register for the NMLS National Exam

Prior to scheduling your licensing exam with Prometric, the exam must be paid for via the NMLS.

  • The cost of the exam is $110
  • You must sign the Candidate Agreement before being able to schedule your exam
  • The National Test consists of 120 multiple choice questions and is timed (190 minutes).
  • Click here for a step-by-step guide for scheduling your exam.

Once you have paid for your exam you will have 180 days to make your appointment and take the test. If you have paid and are ready to schedule, please contact Prometric. Please note that there is a 30-day waiting period for exam retakes. If you do not pass after two retakes, there is a 6-month waiting period. A test enrollment must be requested and paid for in NMLS prior to scheduling.

Step 5 - Submit MU4 Form to the National Licensing System as well as the Criminal Background Check, Fingerprints, and Credit Report Request

Submit the MU4 Form through the NMLS website. Through the MU4 log in - select Filing/Individual. The individual licensing fee is $100 including the NMLS processing fee. The application fee will vary by license type. Applicants are required to request a Criminal Background Check ($36.25) and the Credit Report Request function ($15).

Helpful Links

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Important NMLS Notices
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Campus Information
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Loan Origination Resources
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Download Loan Origination Class Schedule