NMLS SAFE MLO
Complete Theory — All 14 Chapters
Free, in-depth study guides mapped to the official NMLS SAFE test content outline. Federal mortgage law makes up ~60% of the exam; general mortgage knowledge ~20%; ethics ~20%. Start with Chapter I and work through every chapter, then test yourself with the free practice questions.
I
Chapter 1
Federal Mortgage Law — RESPA and TILA (TRID)
II
Chapter 2
Federal Mortgage Law — ECOA and Fair Lending
III
Chapter 3
Federal Mortgage Law — Fair Credit Reporting and Privacy
IV
Chapter 4
Federal Mortgage Law — SAFE Act and Licensing
V
Chapter 5
Federal Mortgage Law — HMDA and Consumer Protection
VI
Chapter 6
General Mortgage Knowledge — Conventional Loan Products
VII
Chapter 7
General Mortgage Knowledge — Government Loan Programs
VIII
Chapter 8
General Mortgage Knowledge — Rates, Points and Loan Programs
IX
Chapter 9
General Mortgage Knowledge — Underwriting and Qualifying
X
Chapter 10
General Mortgage Knowledge — Appraisals and Property Valuation
XI
Chapter 11
General Mortgage Knowledge — Closing, Settlement and Escrow
XII
Chapter 12
Ethics — Fraud, Misrepresentation and Prohibited Practices
XIII
Chapter 13
Ethics — Professional Conduct and Consumer Protection
XIV
Chapter 14
Uniform State Content — State Licensing and Law Basics
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