MLO Exam Prep 2026

MLO EXAM PREP: THE TOOLS. THE QUESTIONS. THE LICENSE.

Only 56% pass the NMLS SAFE exam on the first try. You will.

This is not just questions. It is the actual calculators mortgage loan originators use every day.

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7 MORTGAGE CALCULATORS

DTI RATIO CALCULATOR
Calculate front-end and back-end debt-to-income instantly.
- Enter income, housing costs, debts
- Check FHA, VA, USDA, Conventional limits
- Learn the thresholds: 28/36, 31/43, 41/41

LTV RATIO CALCULATOR
Loan-to-value determines PMI and program eligibility.
- Calculate LTV and CLTV
- See PMI threshold (80%)
- Check maximum LTV by program

MONTHLY PAYMENT CALCULATOR
Calculate P&I with full amortization schedule.
- See monthly payment instantly
- Compare 15 vs 30 year loans
- View total interest over loan life

DISCOUNT POINTS CALCULATOR
Understand the cost-benefit of buying down the rate.
- Calculate monthly savings
- Find break-even point in months

QUALIFYING INCOME CALCULATOR
Calculate income from multiple sources.
- W-2, overtime, commission, self-employment
- Rental income (75% factor)
- Social Security (125% gross-up)

TRID TIMELINE VISUALIZER
TRID is the most confusing exam topic. We made it visual.
- See all deadlines calculated
- LE due date, CD due date, earliest closing
- 3-day reset trigger checklist

LOAN COMPARISON CALCULATOR
Compare two loan options side-by-side.
- Upfront costs vs monthly savings
- Calculate break-even

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LAW DECODER CARDS

Federal mortgage laws broken down simply.

RESPA, TILA, ECOA, FCRA, HMDA, Fair Housing, HOEPA, BSA/AML, GLBA, SAFE Act

Each law in one digestible card with exam tips.

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100+ MORTGAGE ACRONYMS

APR, DTI, LTV, PITI, PMI, MIP, TRID, LE, CD, QM, ARM, HELOC, CFPB, NMLS...

Searchable. With definitions and exam tips. Included free.

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600+ PRACTICE QUESTIONS

Organized by the 5 NMLS exam domains:

- Federal Mortgage-Related Laws (23%)
- General Mortgage Knowledge (23%)
- Mortgage Loan Origination Activities (25%)
- Ethics (16%)
- Uniform State Content (13%)

Scenario-based questions just like the real exam.

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ALL 50 STATES SUPPORTED

Select your state. Get specific licensing requirements.

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WHO NEEDS THIS APP

- Career changers entering mortgage
- Bank employees seeking licensing
- Processors becoming loan officers
- Real estate agents adding MLO
- Anyone retaking after failure

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FREE TO START

5 questions per day free. Calculator demos included.

PRO - 3 DAY FREE TRIAL

$9.99/month or $24.99 lifetime

Full access includes:
- 7 mortgage calculators
- TRID timeline visualizer
- Law decoder cards
- 100+ acronyms
- 600+ questions
- Exam simulator
- Offline access

COMPETITORS CHARGE $365-$589 FOR COURSES.

We are $24.99. Once. Forever.

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THE EXAM

120 questions. 190 minutes. 75% to pass.
Only 56% pass first time.

The exam costs $110. Failing costs weeks of lost income.

CALCULATE. STUDY. PASS.

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This app is for educational purposes only. Not affiliated with NMLS, CSBS, or any state regulatory agency.

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