Pass the SAFE MLO — or get every dollar back. Guaranteed.

The full Fast Track Study System — every practice question, every flashcard deck, full-length mock exams, narrated audio, Miles the AI tutor, and the entire study guide, every chapter readable and highlightable. The cheat sheet — the highest-yield facts as a PDF — is in the study portal on every pass, with instant access to download it. Every pass opens all of it, backed by the SurePass Guarantee.

Yes, and we do not sell it. The 20 hours of NMLS-approved pre-licensure education is a legal requirement you buy from an approved provider before you can be licensed. This is exam prep for the national test — a different thing, bought separately, and nothing here replaces it.

Score 85%+ on a full-length mock, sit the real test, and if you do not pass we refund you. On Lifetime, clear two mocks with your readiness meter at "Getting close" or above and we also pay your full $110 retake fee. That bar is ours, not NMLS's — see the guarantee page for the full terms and clocks.

Testing inside a week? The 7-Day Pass. A month out? The 30-Day. If your date might move — and on a licensing timeline it usually does — Lifetime never expires and is the only tier that covers your retake fee.

Same shape: four options, one best answer, written to NMLS's own content outline and weighted to its five content areas. They are not real test questions, and they never will be — NMLS's candidate agreement forbids studying from live test content, and any seller who hints otherwise is telling you something that would cost you your license.

NMLS publishes it and federal law fixes it: 75%. That is NMLS's number, not ours. Our own qualifying score for the guarantee is 85%+, deliberately higher — and because the real test is built fresh for every candidate and statistically equated, a percentage on our mock is a readiness signal rather than a prediction of NMLS's verdict.

Access stops; nothing is deleted. Your highlights, notes, flashcard schedule and answer history are all still there if you come back, and they carry over if you upgrade to Lifetime.

Yes — it is built phone-first, and it works offline. Your due flashcards and a set of practice questions download automatically, so you can study with no signal and everything syncs when you are back online.

NMLS makes you wait 30 days after each of your first three attempts. Fail a third time and the wait is 180 days. Every attempt costs the full $110 again — there is no discounted retake — which is why the retake reimbursement on Lifetime is worth more here than the sticker price suggests.

Yes. Since 2013 the national test includes the uniform state content, so one test covers both — that is what the 'with Uniform State Content' in its name means. Your state may still require its own education or a state-specific test on top; check your state's NMLS licensing page.

The guide was written to the 2026 content outline and every chapter carries its own dated sourcing. Mortgage rules change mid-cycle — thresholds, dollar figures and agency letters especially — so where a number has a live effective date we say so rather than printing it as timeless.

Yes, separately from the pass guarantee: 24 hours on the 7-Day Pass, 48 hours on the 30-Day Pass, or 72 hours on Lifetime, measured from your purchase (or from your upgrade, if you upgraded) — no questions asked, as long as you haven't sat your exam yet. EEA and UK buyers also keep their 14-day statutory right. The SurePass Guarantee is the other promise — that one is about your exam result, not about changing your mind.

Change the date and the whole plan rebuilds around it — same content, redistributed across the days you now have. That is also why Lifetime exists: a licensing date that slips twice is normal.