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Hawaii Online Instructor Led Bundle - NMLS 17+3 (20 Total) Hour HI Courses With Test Prep

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This is a NMLS APPROVED Hawaii 17+3 hour online instructor led course bundle to prepare you to take the NMLS National Mortgage Loan Originators Test.
17 Hour Course #10107
3 Hour HI Online Self-Study Course #11085
*Coupons codes can be used on the next screen
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Select Track (Days to Complete Course)
Start Date
Day course will be loaded into your account
Test Prep Add On

 Important Product Information 


Scheduling the Course "START DATE"

20 Hour Course Image

The course will appear in your account on the selected day and must be completed within the specified number of calendar days.

Postponed Future Start Date:

You will have officially purchased the course however the course itself will not appear until it is scheduled. To schedule your course email with your desired track and start date and we will make sure to let you know once we have set it up.


IMPORTANT NOTE: If you are unable to complete the course within the specified time, you will need to restart the course. 



INCLUDED: NMLS National SAFE Standard Test Prep Course

To help prepare you to successfully pass the NMLS national exam with Uniform State Content, Mortgage Educators & Compliance has developed and created this online test prep course to help you score your best on the test! With first time test takers only passing about 60% of the time, it is imperative that you have the best study materials available to you, and our test prep is top of the class! 


  • Over 300 sample questions
  • Downloadable study documents
  • Topic specific quizzes
  • 3 Hours of Additional video content


You will have access to the NMLS National Standard Test Prep course for 6 months. Another 6 month extension can be granted upon request. We recommend that you prepare for at least 20 hours in addition to the 20 hour pre-license course. The sample test pulls questions from a much larger question pool. Take the test multiple times to get new questions each time!


Make sure to add our new TEST PREP ULTIMATE PACKAGE which includes our study course with more than 1500 practice questions, and over 6 hours of video instruction by David Luna! Only $149.99. Complete our entire Test Prep Ultimate package and if you fail the national exam on your first try we will reimburse you $110 to cover the testing fee. ADD the TEST PREP ULTIMATE PACKAGE HERE


Course Credit Submission to the NMLS

The NMLS requires that education providers report education credit hours within 7 calendar days. Mortgage Educators & Compliance aims to report online education credits faster than the 7 day window.


Course Information

This course meets the required 20 hours of NMLS-approved pre-license education needed to obtain a mortgage license. It contains 3 hours of Federal Law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, plus 12 hours of undefined electives. 


It is presented in an online instructor-led video course with supplementary literature and content. The course is made up of 7 chapters broken into 5 minute sections that require clicking to advance to the next video and includes a handful of small quizzes. After completing the introduction to the course, each section will start with an average duration of 5 minutes per section. Each 5 minute section will be followed by an activity. These activities can be either short quizzes or case studies focusing on certain concepts.


At the end of each chapter, there is a chapter quiz with an End of Course Assessment at the end of the course. Students must complete all presentations and activity sections, all quizzes and tests, and the End of Course Assessment in order to receive credit for the course. After completing the course, students will receive a certificate of completion and their hours will be submitted to the NMLS within 7 calendar days.


This mortgage training course is offered in three separate tracks. These tracks allow both MEC and you, the student, to remain compliant with NMLS regulations by taking and completing the course within a specific start and end date. Please select a course start date before adding the course to your cart. Courses begin weekly on Mondays, Wednesdays and Fridays. You must complete the course within the allotted time period or your course will have to be reset and you will start from the beginning.


width=Meet Your Instructor: David Luna

David Luna is the President of Mortgage Educators & Compliance and has more than 35 years of experience in the mortgage lending industry. With an unmatched sense of wit, a natural flair for teaching, and a well of knowledge from decades in the industry, David is the best the mortgage education industry has to offer! 

David has been a consultant for Fannie Mae and Freddie Mac as well as several large banks. David has made appearances on NBC, CBS, and ABC as well as been featured in Mortgage Technology Magazine, National Mortgage Press, and dozens of newspaper publications. David has also been named one of the 2016 50 Most Connected Mortgage Professionals by Mortgage News Network.


NMLS SAFE 20 Hour Pre-License Course Outline

Chapter 1: Becoming an MLO

This chapter covers the basics of becoming a mortgage loan originator and presents a brief history of the industry to help new students better understand the mortgage industry. Also introduced in this chapter is prohibited MLO conduct and possible disciplinary action.


Chapter 2: Learning the Products and the Programs

This chapter covers the major products and programs available in the mortgage market today, definitions of basic terminology associated with the mortgage products and programs, as well as products and programs that work for specific types of borrowers.


Chapter 3: Initial Application

This chapter covers the first crucial part of the origination process as specifically for MLOs. This section will help you get the answers that you need to help your borrowers discover their best loan options that they need for their given situation.


Chapter 4: Processing and Underwriting

This chapter will help you to understand the analysis process of a borrower's application, walk you through identifying key laws that govern product and program analysis, appraisals, title reports, and title insurance.


Chapter 5: Closing and Funding

This course chapter will help you to identify the role of the settlement agent/closing agent, relate the process for funding, understand the documents in the mortgage closing process, and apply the mortgage math processes to actual mortgage scenarios.


Chapter 6: Mortgage Ethics

This chapter will help you understand the idea of ethics, identify major fraud schemes, UDAAPS, describe ways to ensure fair lending and restate prohibited practices in origination.


End of Course Assessment

Take the final two case studies of the course and the 25 question End of Course Assessment will test your understanding of the course.


3 Hour HI (Hawaii) Pre-Licensing Course

Chapter 1: License Law and Regulation

This chapter cover licensing law and regulation. In this chapter, we will discuss how to obtain a license as well as how to keep a license. We will also discuss the state regulatory agency in HI.


Chapter 2: Compliance and Disciplinary Action

This chapter will cover compliance and disciplinary action under HI law. We will discuss prohibited acts and practices as well as penalties for violations. During this chapter the students will also learn about mortgage servicers and their duties to their borrowers. This will include a look also at prohibited practices and penalties for violations.


Chapter 3: The HI Mortgage Rescue Fraud Prevention Act

This chapter covers the HI Mortgage Rescue Fraud Prevention Act. This chapter will cover key definitions, requirements for specific types of agreements related to foreclosure rescue, prohibitions and penalties associated with violations of the law.


End of Course Assessment

In this chapter, you will take the End of Course Assessment and complete the end-of-course survey. The End Of Course Assessment is a 35 question End Of Course Assessment with a pool of 50 questions addressing all information covered in the course. You will need to score at least 70% to pass the End Of Course Assessment. You may also fill out an optional End-of-Course Survey to provide feedback to the instructor.


Refund Policy: If you have not yet started the course, you may receive a full refund within 24 hours of purchase or a partial refund of 75% within 30 days of purchase. If the course has been started within our system and accessed there will not be a refund granted.