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Course Price
BASIC: 20 Hour SAFE PE - California New License Course (NO TEST PREP) $349
 
 
 

20 Hour SAFE PE (Includes CA State Law)


(Note: Starting November 1st, 2019, only State Law Specific

Pre-licensing classes will be Online Self Study)


Summary


This course covers SAFE Pre-licensure Education Requirements for any state with state-specific education. Specifically, this online course includes the required 2 Hours on CA State Law, 8 Hours on Federal Law and Regulations, 3 Hours on Ethics, 4 Hours on Nontraditional Mortgages and other courses that will complete your 20 hour requirement. We emphasize federal law due to the rigor and focus on federal law in the National Exam. 


Format

The core courses is delivered in the Online Instructor Led format as required by the NMLS for online Pre-Licensure (“PE”) education. It is available on our website through any internet connection. 

Important NMLS specifications include:

  • Defined start and end dates (See Course Calendar).
  • Interaction with the instructor and students through forum activities
  • Progression as a cohort.  At times you will wait for instructor feedback before continuing.



Our Unique Modular Lesson Plan.   We offer a unique experience by breaking our course down into modules of 2 and 5 hours, each of which can be started at any of defined start times in the course calendar.   A couple of example study plans may be:

  • Example A:  A person new to the industry decides to progress in the recommended order over a two week period.
  • Example B:  An industry veteran finishes all 20 hours in three days, taking the federal  law courses first.


Description




California State Law

This 2-hour course covers California Law relevant to Mortgage Loan Originators (MLOs) and meets the education requirements as laid out by the California Department of Business Oversight (CA-DBO)



Federal Law - Credit and Information

In this course, we are going to cover a number of Federal Laws and regulations that deal with the extension of credit to borrowers based on information about the borrower and the handling and use of consumer information in the mortgage industry. Specifically, we will cover ECOA, FCRA/FACTA/Red Flag Rules, HMDA and the DNCIA as well as some of the key associated disclosures.



Federal Law - RESPA and SAFE
This course covers two industry laws key to the conduct of all mortgage loan originators:
  • RESPA Real Estate Settlement Procedures Act (enacted in 1974 implemented by Reg X).  Establishes specific disclosure requirements in the real estate settlement process and prohibits specific practices such as kickbacks.
  • SAFE Act - Secure and Fair Enforcement Act for Mortgage Licensing (enacted in 2008).  This act is a key component of the Housing and Economic Recovery Act of 2008 (Title V). The SAFE Act sets forth requirements for the licensing and registration of all mortgage loan originators and mandates the creation of a National Mortgage Licensing System and Registry (NMLSR).

Federal Law - TILA

In this course, we cover the Truth-in-Lending Act, generally known as TILA. Along with the discussion of TILA, there are several important amendments. One we will cover in depth is HOEPA. We also include the newest MDIA updates. Knowing TILA well will be critical for your business with regards to regulators, litigation and reputational challenges.

This course additionally details the Truth-In-Lending Disclosure, the Right to Rescission Form and the Section 32 Truth-In-Lending Disclosure


Ethics, Fair Lending and Fraud
This course provides an ethical foundation and summary for Fair Lending Laws, a summary of fraud schemes and preventative measures and, lastly, focuses on a couple of key topics in Fair Lending.  Specifically, this course includes the following modules:
  • How Laws Enforce Ethics this module covers the ethical and economic basis for laws and discusses the purpose of various fair lending laws in the mortgage industry.
  • More on HOEPA and Predatory Lendingthis module details the topic of predatory lending, showing the various methods that have been used and the general prohibitions HOEPA outlines to protect consumers from these practices
  • More on Yield Spread Premiums this module delves deeper into the hot topic of Yield Spread Premiums
  • Mortgage Fraudthis module covers the common mortgage schemes that have been practiced as well as some basic preventative measures

Nontraditional Mortgages Overview

This course summarizes a broad selection of non-traditional mortgages that have been introduced over the last 30 years.  This course is taught in context of the 2007 housing meltdown and includes the features, pros/cons and pitfalls of each type of loan.

Specific loans covered include:
  • Adjustable rate mortgages (ARMs)
  • Interest Only mortgages (IOs)
  • Negative Amortization mortgage
  • Buydowns
  • Construction permanent mortgages
  • Balloons
  • HELOCs
  • Reverse Mortgages
 
 

Return to the Course Catalog to Continue Shopping
 
Course Information

State:
License Type:
Number of Modules: 6

This course includes the following:
OIL - 3 Hour Online SAFE PE - Ethics, Fair Lending and Fraud (1646)
OIL - 3 Hour Online SAFE PE - Federal Law - RESPA TRID Integrated Disclosures & SAFE Act (1695)
OIL - 4 Hour Online SAFE PE - Federal Law - Credit and Information (1694)
OIL - 4 Hour Online SAFE PE - Federal Law - TILA (1700)
OIL - 4 Hour Online SAFE PE - Nontraditional Mortgages Overview (1699)
PE Online Self Study - 2 Hour CA-DBO SAFE: California State Law (11036)
 
 



NMLS Approved Provider

ID 1400051

130 7th Avenue, Suite 230

New York, NY 10011




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ONLINE INSTRUCTOR LED
WEBINARS
LIVE CLASSROOM


Online Continuing Education (CE)  and State Law Pre-licensure Education (PE):  Start, study and finish at your choosing - extremely flexible.

Online Pre-licensure Education (PE):  The NMLS requires PE Courses are NOT self study. These courses are called Online-Instructor Led (OIL) courses.
  • All OIL courses are available in all nine sessions!
  • The 20 hour PE requirement is split into 6 courses. Take these in any order and jump into any convenient session.
  • Take breaks as you need throughout the day, work at night. Remember, a 4 hour course will REQUIRE at least 4 hours of seat time. 
  • If you aren't complete on day 1, make sure to login early on day to to respond to case studies and pass exam (at least 1 hour before class end). 

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OIL Courses
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By Course
By Date
Start Time - End Time Course Instructor
Tuesday, August 11, 2020
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 01:00 PM (ET) OIL - 3 Hour Online SAFE PE - Ethics, Fair Lending and Fraud (1646)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 01:00 PM (ET) OIL - 3 Hour Online SAFE PE - Federal Law - RESPA TRID Integrated Disclosures & SAFE Act (1695)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 02:00 PM (ET) OIL - 4 Hour Online SAFE PE - Federal Law - Credit and Information (1694)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 02:00 PM (ET) OIL - 4 Hour Online SAFE PE - Federal Law - TILA (1700)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 12:00 PM (ET) OIL - 2 Hour Online SAFE PE - Nontraditional Mortgages ARMs and IOs (1692)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 12:00 PM (ET) OIL - 2 Hour Online SAFE PE - Loan Fundamentals (1691)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 02:00 PM (ET) OIL - 4 Hour Online SAFE PE - Nontraditional Mortgages Overview (1699)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 01:00 PM (ET) OIL - 3 Hour Online SAFE PE - FHA 100 - FHA Overview (2181)Daily Instructor
Tuesday 08/11 10:00 AM (ET)     - Tuesday 08/11 01:00 PM (ET) OIL - 3 Hour Online SAFE PE - FHA 200 - Maximum Loan Amount (2263)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 06:00 PM (ET) OIL - 3 Hour Online SAFE PE - Ethics, Fair Lending and Fraud (1646)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 06:00 PM (ET) OIL - 3 Hour Online SAFE PE - Federal Law - RESPA TRID Integrated Disclosures & SAFE Act (1695)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 07:00 PM (ET) OIL - 4 Hour Online SAFE PE - Federal Law - Credit and Information (1694)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 07:00 PM (ET) OIL - 4 Hour Online SAFE PE - Federal Law - TILA (1700)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 05:00 PM (ET) OIL - 2 Hour Online SAFE PE - Nontraditional Mortgages ARMs and IOs (1692)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 05:00 PM (ET) OIL - 2 Hour Online SAFE PE - Loan Fundamentals (1691)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 07:00 PM (ET) OIL - 4 Hour Online SAFE PE - Nontraditional Mortgages Overview (1699)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 06:00 PM (ET) OIL - 3 Hour Online SAFE PE - FHA 100 - FHA Overview (2181)Daily Instructor
Tuesday 08/11 03:00 PM (ET)     - Tuesday 08/11 06:00 PM (ET) OIL - 3 Hour Online SAFE PE - FHA 200 - Maximum Loan Amount (2263)Daily Instructor
Webinar Courses
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By Course
By Date
Date Course Instructor
Thursday, September 03, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, September 17, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, October 08, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, October 15, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, October 22, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, October 29, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, November 05, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, November 12, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, November 19, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, December 10, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander
Thursday, December 17, 2020
10:00 AM - 5:00 PM ET Webinar - 7 Hour SAFE Core: 2020 (11676) - ERandi DeHollander
10:00 AM - 6:00 PM ET Webinar - 8 Hour SAFE Comprehensive: 2020 (11673) - ERandi DeHollander