NMLS Pre-licensing 20 Hr. Comprehensive PE Dec 6-7-8th


If you intend to work for and residential lender or mortgage broker, you are required to take and pass a 20-hour pre-licensing course as part of your licensing requirements. Learn in a classroom environment and retain your training experience.

Next Class Date April 5-6-7th
We only offer this classroom training once a month so register early.

NMLS Pre-licensing 20 Hr. Comprehensive PE

Next  Class  December 6-7-8th

Save $95.00 with our Christmas & Holiday Training Bonus
Students attending our December training will recieve access
to Capstone’s online NMLS test preperation training as our holiday gift.
The Capstone NMLS National Test Review Retails  For $95.00


$349.00Add to cart



Congratulations to our graduating students in Nov 2019

Amber Reeves                    Amita Sood                     Bruce Epperson            Christopher J. Norrell       Porschia Smith
NMLS # 1893095              NMLS # 1899632           NMLS # 145526             NMLS # 1893212                  NMLS # 1872505

Anthony Johnson            Correy  Richards           Kurt Cassidy                    Kristy Cassidy                      Marvin Bethea
NMLS # 1899289              NMLS # 1892747           NMLS # 1899293          NMLS # 1893212                  NMLS # 1884772

Minh Mai                             Muneesh Sharma          Na’Gel  Brock                  Randy Bristol                      Manju Jacob
NMLS # 1890874              NMLS # 1897983           NMLS # 189929              NMLS # 1893212                NMLS # 1887151 

Sherry Dennard               Srinivasa Kodela            Vinh Nguyen                  Adebowale Adebimpe        Sara Condito
NMLS # 1896897              NMLS # 1899627            NMLS # 1890723          NMLS # 1885053                 NMLS # 1882224 

Basirat Olagunju              April  Prentiss                 Dontrell Ross                Veronica Aguiar
NMLS # 942479                NMLS # 887876              NMLS # 1878760          NMLS # 711382



Future Training Dates:   

Dec   6-7-8th

Jan   3-4-5th

Feb   7-8-9th


Class Times:

Students are required to be seated in the classroom by 8:30 AM on Friday morning only.
Saturday and Sunday’s classes start at 9AM

  • Morning breaks of 15 minutes are scheduled each day at 10:30  to 10:45
    Lunch breaks are scheduled from 12:30 to 1:30 each day.
    Afternoon breaks are scheduled at 3:45 to 4:00 each day

    Class ends at 5Pm on Friday and Saturday
    Class ends at 4Pm on Sunday


Recent Referrals From Students Who Their National Test 

From: April Usher
Sent: Monday, November 11, 2019 7:12 PM
To: Garry F Trost <GarryT@capinst.com>
Subject: NMLS Test

Good evening Kathy & Garry

Hope all is well with you.  I just wanted to give you an update on my NMLS Test that I took today.  I PASSED! I’m super excited.  I scored an 83 on the test



Jim Davidson, Bluffton, SC
NMLS #1876599

After researching and evaluating numerous online, self-paced, and in-person classroom education options for the National MLO Exam, and the 20 Hours of prerequisite SAFE training, I chose our region’s most highly reviewed and well-respected provider — The Capstone Institute of Mortgage Finance in Atlanta, GA.  I spoke with graduates of Capstone’s course, and confirmed that they had indeed, passed the National Exam on the FIRST TRY.  This was a very significant factor in my decision, as I have no prior experience in home mortgage origination, and success rates for first time exam-takers is only around 60%!

After completing the weekend-long class, and spending the following week reviewing the course work, the 600+ page manual, and the case-study materials … I am set to take my National Exam this upcoming Monday.  Will I pass it first try? … Capstone’s owner, Kathy Lewis gave us a mindset that I believe characterizes the mentality I have going in.  That is … “I will pass this test easily, and effortlessly, on the FIRST TRY”.

I cannot fathom anyone adequately preparing themselves for the National MLO Exam, absent training and preparation such as I have received from Capstone.  The people involved are all lifetime professionals, with years and years of combined experience.  They know mortgage lending, and they know how to prepare students for success … for the National Exam, and for a career in the industry.

I highly recommend them to anyone considering a path toward licensing in this industry, and appreciate the quality knowledge and experience they have shared with me.

Jim Davidson
Bluffton, SC
NMLS #1876599


Directions to our location in the Atlanta Realtors Association Facility
in Sandy Springs , GA


Open map directions here!



How To Become A Mortgage Loan Originator


About Capstone Institute of Mortgage Finance Training

Our NMLS pre-licensing training is totally dedicated to assisting you to do only one thing, and that’s for you to pass the first time.  The quick and easy NMLS Pre-License Education training offered at Capstone is beneficial for many reasons!

Learning in a classroom environment is vastly superior to learning online.  Very few companies offer live classroom training because of the expense of maintaining the training facilities and they need to go after a larger group of people.   The problem with online training is its not as effective versus a classroom…  This a documented scholastic fact. 

Scotsman’s Guide is the mortgage industry’s bible of authority and they reported years ago that the best way to prepare for the National Test & Unified State Test is not with online training but by sitting in a real classroom with your instructor and NMLS Education materials in front of you.


If English is your second language or you dislike being rushed through
online training, please consider attending our classroom training in Atlanta.


Read the Scotsman guide article on the best ways to prepare for the NMLS test



Open and read the truth from the Scotsman Guide
The Industry’s leading authority on Mortgage Lending

Read here the 16 tips for passing the NMLS exam



Information on your NMLS Testing

See The NMLS Test Topics You’re Required To Know Prior To Testing 

The NMLS national test of 100 questions is combined with the UST ( Unified State Test) of 25 questions.
he required passing score for both parts is 75%. The testing is administered by Prometrics with testing locations throughout the US.  

Click Here  For Information About Prometric And Buying Your Test.


About Our Classroom Training In Atlanta GA.

We only offer NMLS approved MLO training once a month in Atlanta and our future training dates are listed below.  We only allow students to register for the current training date.  You’ll have access to access for the next class after our current class has concluded.



Take Advantage of Our Classroom Training Style

We recognize that NMLS 20 hour online training is very convenient but the advantages of that should be weighed
out carefully before making a decision.

Asking questions?

Is it easier to ask your questions by raising your hand and have your instructor answer your questions
on the spot?


Is it easier to  formulate your question in your head;  then type it into a chat box and then
wait for the instructor to answer you?  


Not everyone passes their NMLS National test the first time.

Some companies like to brag about their student’s passing ratios. Some even boast they have a
90% or higher passing ratio. Yes; they may have a 90% passing average on the required school test.

But no one has a 90% or better first time student passing average on the NMLS National Test !

Run from any school that says they have a 90% or better passing avaerage on the NMLS National test.

The last time we saw any statistics from the NMLS was a statement that the national average only about
68% of students pass their national test the first time.

For our students who don’t pass their national the first time, we offer a free refresher course within the first year if we have seats available.

Refresher training is free for the first 9 months or $175.00 there after


About Our Instructors

All Capstone instructors have 25 or more years of industry experience and 5 or more years teaching this course.


About Our Training Materials

Our training manual, homework assignments, and supplements are the most comprehensive available today. The author of all our materials is Kathy Lewis; who has 38 years of experience in residential mortgage and training industry and has published over 112 publications. Kathy is also the founder and President of Capstone.


You saw above in the NMLS test topics how much information you’ll be expected to know before your test.  Open our manual and see for yourself the amount of detail we cover to assist you in preparing for your national test.




Safe Act 2019 Table of Contents





How to Register for our NMLS 20 Hour Course Classroom Training

You can register here online or call us at the school. If calling after business hours please leave your contact # or e-mail address with our live answering service. Our staff will contact you the next day to answer any questions or assist you in registering over the telephone.


Getting Your Free NMLS Personal ID #

NMLS requires as a precondition of being licensed as a loan originator, that all individuals have their personal NMLS personal ID #.  This is very important because without your ID # , we will not be able to give you credit for completing
your training.

FYI:  Reading your NMLS handbook is highly advisable.

Learn how to get your personal NMLS user account

View your NMLS Originator’s Handbook


We limit our class size to 25 students so register early.


For Best Corporate Hotel Rates go to
: https://www.Hotwire.com

Put in Dunwoody or Sandy Springs as your location or near zip code 30328



Capstone’s training is the only school approved
for mortgage training under the GI Bill!



Capstone Institute is the only provider approved under the GI bill covering mortgage education.  

Upon completing the training Capstone will furnish the Veteran with a  Certificate of Completion and
VA forms  22-1999c and 22-8794. 
Vetrans are encouraged to call us for information under the GI Bill.

Typical Licensing Fees For Loan Originator In GA. And Most Other States.

After training you’ll need to pay for the following items which are all paid directly through the
NMLS Resource Center website. That’s why obtaining you ID # and login creditials are so important

These fees do not have to be paid all at the same time:

$110.00 National Test Including the Unified State Test  
$130.00 NMLS processing fee
$ 15.00 Credit report
$ 36.25 Criminal Background check



What Happens After A Students Registers For Class

After registering for class the student will receive a welcome letter. It will contain pertinent information covering directions, how to get your NMLS ID #, what to bring to class and your link to your online manual.

Students are advised to start reading their online manual and concentrate on becoming familiar with mortgage terms /definitions and  Sections 7 & 8 which cover taking a detailed application and loan processing.  Students will receive their printed manual and materials when they arrive on their first day of class.



Arriving The First Day Of Training

After registration you’ll recieve your welcome letter by email  with directions and a google map to assist you.
Students are expected to be at the school’s location and in our classroom by 8:30 Am on Friday the first day of class.

Upon entering the Board of Realtor front entrance; you’ll see a large promter sceen showing you the location of the classroom.

Coming late for class is frowned upon and can result in the student being moved to the next month’s training date.
Please allow for traffic on Friday and typically you shouldn’t have any difficulties with traffic on Saturday and Sunday.

Upon arriving you’ll present your proof of identity ( drivers License – Passport) and then receive your printed training manual, homework, practice tests, and course handouts.

You’ll have homework assignments to complete each night which will be reviewed the next day in class.

On Sunday afternoon you’ll take your school test. The NMLS requires that you pass the school test to receive your Certificate of Completion.

(HINT) If you pay attention and do your to your homework the school test
shouldn’t be a problem


Are you a licensed GA Realtor and need 20 hours of CE ?

The GREC  has approved Capstone and this training for 20 hours of continuing education credit.
There’s a $50.00 fee to transfer your CE hours into the GREC database.

To recive your GREC 20 hr credit you’ll need to turn in a duplicate of homework assigments, We will give you a duplicate papers of  your homework to complete and turn in on Sunday afternoon.

Visit the GA Real Estate & Insurance Commission and check Your CE standings. This training is approved by the GREC and can be used to credit bank 20 of CE to your account  There’s a $50.00 fee to transfer 20 hours to your GREC  account.       View your GREC for your educational credits