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Your Pass Pathway

Licensing Study Plan

Stop guessing what to study. Follow this week-by-week path from where you are now to passing — real questions, instant AI explanations, and the right tool at each step. Week 1 is free.

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  1. Week 1Free

    Federal Mortgage Law Foundations

    The regulation-dense core the exam hammers: RESPA and TILA/Regulation Z, plus the disclosures and timing rules each one owns.

    • •Learn to tell RESPA from TILA/Reg Z at a glance — including the Loan Estimate and Closing Disclosure timing rules
    • •Drill disclosure-timing and finance-charge/APR questions with instant AI explanations
    • •Flashcards: the three-day and business-day rules that trip up most candidates
    Start practicing →Flashcards
  2. Week 2 Plan

    ECOA, HMDA & the SAFE Act

    The rest of the federal stack: ECOA/fair lending, HMDA reporting, and the SAFE Act's licensing and NMLS registration requirements.

    • •Master ECOA prohibited bases, adverse-action notices, and HMDA data collection
    • •Drill SAFE Act licensing, NMLS registration, and continuing-education rules
    • •Separate the federal disclosure laws so timing questions become automatic
    Unlock Week 2 →
  3. Week 3 Plan

    Mortgage Products, Origination & Ethics

    General mortgage knowledge and loan-origination activities — LTV/DTI, points, ARMs — plus ethics, fraud, and fair lending.

    • •Calculate LTV, DTI, and discount points on real loan scenarios
    • •Cover loan products (fixed, ARM, government) and the qualification/underwriting process
    • •Drill ethics, mortgage-fraud, and fair-lending scenario questions
    Unlock Week 3 →NMLS Mortgage Calculator (free)
  4. Week 4 Plan

    Timed Mock Exams

    Full 120-question timed tests at the 75% passing bar, then review every miss.

    • •Two full-length timed mock exams under real (190-minute) conditions
    • •Review every missed question with the AI tutor, focusing on which federal law each answer comes from
    • •Target a consistent 80%+ — your Pass Promise readiness line
    Unlock Week 4 →

Get your full Licensing plan

Week 1 is free. Unlock Weeks 2–4, the full question bank, every topic, and unlimited AI explanations — one-time $59.99 or a 3-day free trial, with the Pass Promise on monthly & yearly plans.

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