Free Study Resources

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Federal Law

SAFE Act Overview

A complete breakdown of the SAFE Act — the foundation of every MLO license.

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Federal Law

Federal Mortgage Laws Summary

Quick-reference cheat sheet covering TILA, RESPA, ECOA, HMDA, and key provisions.

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Math

Mortgage Math Cheat Sheet

All the formulas: LTV, DTI, points, APR, TRID math, Texas 50(a)(6) — with worked examples.

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Practice

50 Sample Practice Questions

A representative sample from the full 660+ question bank with detailed explanations.

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Strategy

Exam Day Checklist

NMLS exam format, scoring, what to bring, strategy tips, and key numbers final drill.

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Reference

Key Terms Glossary

Over 50 mortgage and lending terms defined in plain language.

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Math

Mortgage Math Guide

Interactive calculators for DTI, LTV, PMI, points break-even, escrow, and Texas 50(a)(6).

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Free Tool

NMLS Diagnostic Quiz

10 questions across all topics. Find your weak areas and get a personalized study plan.

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Free Tool

DTI Calculator

Calculate your front-end and back-end DTI instantly. See how you compare to QM thresholds.

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Free Resource

NMLS Exam FAQ

25 most asked questions about the exam — format, scheduling, retakes, and licensing.

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Free Interactive Lessons

Federal Law

RESPA Interactive Lesson

A full interactive walkthrough of the Real Estate Settlement Procedures Act — kickbacks, referral fees, disclosures, and HUD-1 rules tested on the NMLS exam.

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Free Tool

Mortgage Math Calculator Guide

Interactive calculators for DTI, LTV, PMI, points break-even, escrow, and Texas 50(a)(6). All the math you need for the exam — and for real MLO work.

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