Compare 20-Hour MLO Course Options

All 20-Hour SAFE Comprehensive Mortgage Loan Originator Prelicensure Courses are required to teach you the basics of the mortgage industry. You will learn what mortgage loans are, discuss federal laws, ethics, mortgage types, how to fill out a mortgage application, and closing procedures. It is good to be aware of some noticeable differences between the various approved training providers for MLO pre-license education. Here’s a robust list of what we include at an incredible price point.

20-Hour SAFE Comprehensive: Online National MLO Course

This is the course needed to obtain your Mortgage Loan Originator license. Unlike other schools, we include our Exam Prep Course Free (includes 1,000+ practice questions and a study guide), so you have everything in one package designed to get your license!

20-Hour NMLS Approved Course #16623
BONUS Exam Prep Course Included FREE ($149 value)
BONUS State Law Course Included ($49 value)
NMLS Hours Reporting Included Free ($30 value)
Online Prerecorded Instructor Led Videos
E-textbook Included
Unlimited Phone & Email Support
Fully Updated for 2026
BBB Accredited

Best Training – Best Service – Best Value

This NMLS Approved course is the first step to earning your license. Our Senior Instructor has 20+ years of mortgage training experience. Once you complete the training, we will report your hours to the NMLS free of charge.

20 hour NMLS
Approved Course
FREE Demo Video

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Additional Questions to Consider as You Choose an MLO School

What is the Format of Training?
- Our course is mainly composed of fully narrated and pre-recorded video lessons, quizzes, assignments, case-studies, and a 25 question final exam.
Is the Course Online?
- The 24hourEDU 20-Hour MLO Course is 100% online education.
Level of Customer Service?
- We pride ourselves on exceptional support before, during, and after your course.
- Call (888) 405-4453 to speak with support.
- Email support@24houredu.com if you need help
- Instructor support is built into your Learning Environment with real answers from our Mortgage Loan Originator Course Author.
20-Hour Course Cost?
- ~~$275~~ $189 and we Include Exam Prep!
Time-frame for Access?
- Once you start the course, you can login anytime. All 20-hour courses must be finished in 14 days or less per NMLS regulations.
Instructor Availability?
- Our instructor will answer course portal questions ASAP 6 days per week. Sundays N/A. At most an answer will range from immediate to on business day.
Is Phone Support Available?
- Yes! Call (888) 405-4453 if you need help.
- You can enroll by phone or enroll here
How Quickly will My Hours be Reported?
- Typically hours are reported within 1 business day of completion. The max will be 7 days after the end of your session.
Is it Easy to log in?
- We ensure our login process is as user friendly as humanly possible.

The Most Popular Method of Learning Online

There are many methods for learning a new profession. Some prefer to read a book, while others wish to attend a live class. The truth is that most Americans have busy schedules and choose to learn via Online Instructor-Led Courses. This is one reason why the majority of new Mortgage Loan Officers in the United States have been completing their education through online video lessons, quizzes, and exams to meet NMLS and State requirements.

Online training is the perfect option for education because you can review the lessons anytime. By learning this way, there are fewer distractions than live Zoom or live classroom training. Rather than spending time driving to a live class or waiting for a Zoom break to end, you can start and stop MLO lessons when you take online instructor-led modules.

Online Instructor-led (OIL) NMLS Course Scheduling Specifics

During the time period in which the course is being offered, instructors are required to hold students accountable for attendance and work and must be responsive to student’s assignments and questions just as they would be in a physical classroom. An online instructor-led course that is thirteen (13) or more hours may not be scheduled to extend longer than 14 calendar days after the start time. If you start a MLO 20-Hour course, it must be completed within 14 days, which is reasonable.

Every course is to be designed appropriately for adult learners such that it contains sufficient content and/or activities to meet the minimum time requirement of 50 seat minutes for each clock hour the course is approved. Course design must ensure that the minimum time required by the SAFE Act is received for the specific course topics.