This 20-hour SAFE comprehensive course includes the 3 hours of Federal law, 3 hours of Ethics, and 2 hours of training on nontraditional mortgage products. The remaining 12 hours of electives are allocated to the NMLS-tested content on the Uniform State Test, General Mortgage Knowledge, Federal Law and Ethics. INCLUDED in this package is a progressive, comprehensive test prep path that prepares state-licensed mortgage loan originators (MLOs) to sit for the SAFE MLO National Component Test and pass on their first attempt.