MLO Exam Prep 2026

Calculate DTI & LTV instantly.Master TRID timelines. 7 real calculators +1000 questions.The only MLO prep with tools you'll use on the job. Pass your NMLS exam first try.

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.

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

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.

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.

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.

ALL 50 STATES SUPPORTED

Select your state. Get specific licensing requirements.

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

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.

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.

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

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