Get honest, practical answers to the questions future mortgage loan officers ask about NMLS education, the SAFE exam, licensing, and starting a career in mortgage lending. Drawing on more than 38 years of mortgage education experience, Capstone Institute helps you understand what to expect and what steps to take next.

What Happens If I Fail the SAFE MLO Exam?
1. The Student’s Question Student: “I just received my SAFE MLO exam result, and I didn’t pass. I was only a few points short. Does this mean I have to

Can I Take the 20-Hour NMLS Course Before a Mortgage Company Hires Me?
1. The Student’s Question Student: “I want to become a mortgage loan officer, but I have not been hired by a mortgage company yet. Can I take the 20-hour NMLS

I Passed the SAFE Exam. Why Is My License Still Not Active?
1. The Student’s Question Student: “I passed the SAFE MLO exam, but my NMLS record still does not show an active license. I thought passing the exam meant I was