Mortgage Pre-licensing Course

Mortgage rates are at a historic low! There has never been a better time to begin a career as a Mortgage Loan Originator. Mortgage companies are searching for licensed originators ready to become successful in this evolving industry.

The State of Utah currently requires 40 hours of Utah General education for mortgage students, plus 20 hours of national SAFE classes before taking the Mortgage Originator Exams. The cost of the 60-hour Mortgage Pre-licensing Course is $495. We currently offer the Utah 40-hour portion of this course online for $395. Bundle and Save! Add the live SAFE 20-hour portion for only $100. SAFE 20-hour portion only is $195.

Tuition includes your textbook, custom written and designed for Utah students. SAFE course tuition also includes the national SAFE materials and SAFE Exam Prep.

Other costs that you may encounter include:
  • Utah State Exam fee of at least $69
  • National SAFE Exam fee of at least $92
  • License application fee of $187
  • Fingerprinting fees may vary
Currently we only offer the 40 hours of Utah General Education online. All 20 hours of SAFE classes must be completed live in the classroom. The 20 hours of SAFE classes are currently offered through a third-party provider. Reservations are required as seats are very limited.

A financial calculator is required in every class.  The following are suggested types of calculators:
Qualifier Plus IIIx; available at the front desk or online.
Hewlett Packard 10B or Hewlett Packard 12C; available at any office supply store.


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Mortgage Course at a Glance

  • $495 Tuition - Includes textbook
  • 60 hour Pre-licensing Course (20 hr SAFE and 40 hr Utah General Classes)
  • Classes are available online, up to 8 hours per day and live in Salt Lake City
  • 20 Hour SAFE portion is offered LIVE only in SLC
  • Utah State Exam and NLMLS SAFE Exam are both required, through NMLS
  • Other fees include; Fingerprinting fee and state licensing fees

NMLS Safe and Utah Exams

Licensee candidates are required to pass a NMLS Safe Exam (Federal) and the Utah State Exam. Both exams are administered through the NMLS and can be registered for by clicking the link above.

The following test administration fees are in effect for the SAFE Act Mortgage Loan Originator Test:

National Component - $92
Utah State Component - $69


Mortgage exams have changed dramatically. Testing is all scheduled through the NMLS. For more detailed information about testing, click here.

Criminal Background Check

Criminal Background Check

New mortgage loan originator (MLO) license applicants will be required to request a Criminal Background Check in connection with the submission of a license request.