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What It Takes to Pass the NMLS Test!

If you are thinking of getting a Mortgage Loan Originator State License, you should know the NMLS pass rate for first-time test-takers is in the mid-50s. To clarify, that means roughly half of everyone sitting for the first time fails! Why?

The NMLS exam isn’t something you can pass simply by skimming a textbook or taking a quick course. Many test-takers underestimate the depth of knowledge required in areas such as federal regulations, ethics, mortgage origination practices, and loan product specifics. The exam’s rigorous nature requires a thorough understanding and the ability to apply complex concepts in real-world scenarios.

Moreover, the NMLS exam is intentionally separate from the 20-hour education requirement. Regulators from the NMLS and state licensing agencies want to ensure you haven’t just memorized terms and concepts; they seek confirmation that you genuinely comprehend the material. They expect you not only to pass an exam but also to demonstrate that you’re fully prepared to follow the laws and uphold ethical practices in mortgage origination.

To avoid becoming part of this statistic, dedicated and structured preparation is crucial. Invest time in comprehensive study programs, engage deeply with practice exams that reflect the actual test, and ensure you have access to detailed explanations for every practice question. Effective preparation not only boosts your chances of passing but also equips you with foundational knowledge critical for success in your future mortgage career.

CLOES.online now has a 400 question, test prep package to help you pass the NMLS exam with confidence!

This test prep offers a comprehensive review of the National Uniform Testing content, ensuring you’re fully prepared for exam day.

🔹 Targeted Practice – Topic-specific questions to reinforce key concepts
🔹 Full-Length Simulations – Two comprehensive practice exams
🔹 Detailed Explanations – Instant feedback on each question to clarify correct answers and strengthen retention

Save time, study smarter, and boost your confidence with expert-designed test prep.

Sign up today at cloes.online.  Not sure if origination is for you?  Contact Debra Killian at deb@cloes.online.

#debteaches #originationtraining #NMLS education #nationaltest #MLO

Debra Killian

Debra Killian, a seasoned Mortgage Loan Originator, Course Developer, and Instructor combines her extensive 35-year background in residential mortgages, real estate, banking, and accounting to excel in the mortgage industry. An alumnus of Western Connecticut State University with a B.B.A. in Accounting,

Debra has been a transformative figure in residential mortgages since 1994, overseeing and managing over $1 billion in real estate loans. Her unique educational and professional journey has positioned her as a dynamic and effective trainer in the mortgage and real estate sectors, offering tailored courses that use mortgage competencies in building long-term relationships with customers and real estate professionals.

A trailblazer in mortgage education, Debra co-authored pivotal NMLS-approved courses, including the 20-hour Pre-licensing SAFE Act course in 2010 and The Mortgage Professional for the same curriculum in 2011. Her contributions continued with co-authoring the MBA's School of Loan Origination and mortgage and real estate continuing education classes.
Debra relentlessly pursues the latest industry trends and regulatory changes, ensuring her courses, both new and existing, are continuously updated and aligned with current standards and practices.

Debra's leadership extends beyond her immediate professional sphere, evidenced by her past roles in the CT Mortgage Bankers Association, the National Association of Mortgage Professionals (NAMB) and various real estate associations.

A sought-after speaker, Debra lends her expertise to various professional groups and is dedicated to developing and delivering custom courses, reflecting her passion for education and industry advancement.

She and her husband Donald DeRespinis, own Charter Oak Systems, LLC which operates Cloes.online, and online education provider for pre-licensing courses required by the Secure and Fair Enforcement ACT (SAFE) Her passion is providing mortgage loan originators competency based training and professional development courses to all elevate mortgage loan originators. In addition to NMLS required courses, Debra and Don provide an array of compliance training to help companies comply with federal and state laws.

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