"How To Comply"
The 15 steps to SAFE-Smart NMLS registration, education, testing and licensure.

Abacus Mortgage Training and Education provides this section as a service to the mortgage industry. We constantly update this section when changes occur and new information comes to light. This information should not be taken as legal advice, assurance or guarantee. Please consult you legal advisor for final guidance.

To contact the NMLS, click here.

1. What is the SAFE Act?
President Bush signed into law the Secure and Fair Enforcement (SAFE) Mortgage Licensing Act on July 30, 2008 as a central part of the Housing and Economic Recovery Act (HERA).

Under this act, all mortgage loan officers in the United States must register in a national database, pass a national exam, pass state exams and accrue a minimum of 20 hours of approved education before engaging in mortgage loan origination activities. Existing loan originators must comply with the minimum standards plus any state specific requirements as the states they are licensed in demand.

This act sets forth procedures, requirements, education, testing and new standards including mandatory national registration of all Mortgage Loan Originators (MLO’s) plus the state licensing of certain defined MLO’s, through the creation of a Nationwide Mortgage Licensing System and Registry, known as the NMLS. The SAFE Act is regulated by the Department of Housing and Urban Development (HUD).

According to HUD's website, the SAFE Act,
"... is designed to enhance consumer protection and reduce fraud by encouraging states to establish minimum standards for the licensing and registration of state-licensed mortgage loan originators and for the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) to establish and maintain a Nationwide Mortgage Licensing System and Registry (NMLS) for the residential mortgage industry..."
To read more, visit HUD's website at: www.hud.gov

The SAFE Act requires:

Registration:
Every Mortgage Loan Originator (MLO) in the country must be registered in the NMLS.

Unique Identifier:
A unique identifying number is assigned to each MLO. This number is used for all examinations and all education credit reporting.

Education:
All states must require a minimum of 20 hours of Prelicensing Education (PE) initially and 8 hours of Continuing Education (CE) annually.

National Exam:
In order to do business anywhere, you must pass a 100-question national exam.

State Exam:
In order to do business in a state, you must also pass that state's specific exam consisting of 45-65 questions. Though not every state has state specific education, every state has a state specific exam.

State Education (varies by state):
Though the majority of states require only the minimum SAFE standards, some states have additionally opted to require additional state specific education. More on that later...

LAW: The SAFE Act is the federal law (part of the HERA of 2008)

RULES AND REGULATIONS: CSBS and AARMR created the State Regulatory Registry (SRR) to make the rules of how the system would work.

ACCOUNTABILITY: Financial Industry Regulatory Agency (FINRA) build the database to keep track of it all. The NMLS is that database and the SRR manages it.

More information:
HUD's website       About the NMLS       Summary of SAFE Act       Full SAFE Act Text

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2. Am I Really an MLO?
SAFE establishes the definition of a Mortgage Loan Originator (MLO) and defines the criteria for who has to be licensed.
    The new definition, in short, includes anyone who takes, or offers to take a mortgage loan application and negotiates or offers to negotiate the terms of that loan for compensation or in the expectation of compensation. Here is the excerpt from the law:
  3. Loan Originator.
    1. In General. The term ‘‘loan originator’’
      1. means an individual who—
        1. takes a residential mortgage loan application; and
        2. offers or negotiates terms of a residential mortgage loan for compensation or gain;
      2. does not include any individual who is not otherwise described in clause (i) and who performs purely administrative or clerical tasks on behalf of a person who is described in any such clause;
      3. does not include a person or entity that only performs real estate brokerage activities and is licensed or registered in accordance with applicable State law, unless the person or entity is compensated by a lender, a mortgage broker, or other loan originator or by any agent of such lender, mortgage broker, or other loan originator; and
      4. does not include a person or entity solely involved in extensions of credit relating to timeshare plans, as that term is defined in section 101(53D) of title 11, United States Code.
    2. Other Definitions Relating To Loan Originator. For purposes of this subsection, an individual who ‘‘assists a consumer in obtaining or applying to obtain a residential mortgage loan’’ by, among other things, advising on loan terms (including rates, fees, other costs), preparing loan packages, or collecting information on behalf of the consumer with regard to a residential mortgage loan.
    3. Administrative Or Clerical Tasks. The term ‘‘administrative or clerical tasks’’ means the receipt, collection, and distribution of information common for the processing or underwriting of a loan in the mortgage industry and communication with a consumer to obtain information necessary for the processing or underwriting of a residential mortgage loan.
  4. Loan Processor Or Underwriter.
    1. In General. The term ‘‘loan processor or underwriter’’ means an individual who performs clerical or support duties at the direction of and subject to the supervision and instruction of
      1. a State-licensed loan originator; or
      2. a registered loan originator.
    2. Clerical Or Support Duties. For purposes of subparagraph (A), the term ‘‘clerical or support duties’’ may include:
      1. the receipt, collection, distribution, and analysis of information common for the processing or underwriting of a residential mortgage loan; and
      2. communicating with a consumer to obtain the information necessary for the processing or underwriting of a loan, to the extent that such communication does not include offering or negotiating loan rates or terms, or counseling consumers about residential mortgage loan rates or terms.
Certain states have expanded that definition even further by including those who issue mortgage loan commitments or interest rate guarantee agreements to borrowers, whether such acts are done through contact by telephone, by electronic means, by mail, or in person with the borrowers or potential borrowers.

This definition pulls in many loan processors. Check your specific state laws for details.

For state specific information on licensing, refer to the NMLS State Licensing Resource Page. As states complete the rollout of their legislation and regulation, this map is updated by the SRR.


2b. What if I work for a bank?
Employees... "of a depository institution, employees of a subsidiary that is owned and controlled by a depository institution and regulated by a Federal banking agency, or employees of an institution regulated by the Farm Credit Administration" ...are exempt from registering and licensure through the NMLS at this time. That may change in the future.

If there is any question about your status, depository vs. non-depository, please consult the legal department of your employer.

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3. How do I create an NMLS account?
 For MLOs previously licensed in any state, your introduction to the NMLS will be during what is called transition. When the state you are licensed to do business in begins using the NMLS to manage their MLO data, you will be required to create an account on the NMLS.

There is no cost to create an account, however, if you wish to apply to do business in any state, there is a fee for applying. You can usually find your state specfic fees using the NMLS State Licensing Resource Page. Generally, during transition into the NMLS, a state will offer a window where there is no fee to transition. Transitioning outside this window will incur a fee. So pay attention to all the communications your state sends to you!

Directions on how to create an NMLS account

One of the most important things about creating your NMLS account is getting your "unique identifier." This number will become very important for you as it will be used to track your education hours, exams scores and license status. Every company and branch office will also have their own unique identifying number. All the states, testing companies and education providers will require you to provide them with your unique identifier, which is referred to as your "Individual ID" on the NMLS. In some cases, it will replace your license number with some state agencies.

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4. Where do you want to do business?
In the past, state specific education requirements presented a certain bar of entry into some states. Now that education and examinations are becoming more accessible through centralized adminstration and approval there may be opportunities to originate in states that previously were out of reach. Almost every state has written and passed new licensing legislation in 2009. It is important that you update yourself on the new responsibilities and requirements of each state you want do business in.
CSBS report on
state progress 		State SAFE Act
legislation tracker
NMLS State Licensing
Resource Page.
Not all states have announced their new licensing requirements and even fewer have begun implementing their SAFE Act laws and regulations. As these states begin clarifying what is required to originate in their state, new state specific education will be submitted to and approved by the SRR. Keep an eye out for new state-specific cirriculums as they become available.

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5. Does education I have taken in the past count?
If you currently hold a license to originate mortgage loans in a state that requires you to take approved prelicensing or continuing education courses, then you may already have completed some, if not all of your 20 hours of nationally required prelicensing education (PE). To find out how much, if any, of your previously taken education can/will count towards your national requirement, please contact the regulator of the state(s) you are currently licensed in.

State Regulator Contacts

Please Note: Even though you have been previously licensed and you have your full 20 hours of PE, you still MUST take and pass the national licensing exam and go through a new credit and criminal background screening in order to continue originating.

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6. What is "ACE" and how do I compute my course and exam prep needs?
The difficulty is this:
Some states are still requiring continuing education this year to renew, just like in previous years. The rub is that this education is "outside" the NMLS system. You have to take your CE, but you also may need to take additional courses in order to satisfy the 20 hours that the NMLS will eventually require from you. Also, some states will require additional SAFE Act, NMLS approved state education either 'in addition to' or 'inside of' that 20 hours.

So this gets very complicated. At Abacus we have a team committed to fleshing out this complexity and feeding it into a custom software program that is designed to reccommend what you should purchase and take. The driving force of this engine is to make sure you are covered, but also suggest the smallest combination of time and cost to you. This program is called the Abacus Compliance Engine, or "ACE" for short.

NOTICE - August 2009:
ACE is on hold at the moment in an 'automated' sense. We ask you to call us in person until September 1. The reasons:
1) Our courses that will fulfill your requirements are pending approval by the NMLS and we will not generate reccommendations for courses until they are approved.
2) The various states are only slowly clarifying their deadlines and requirements. This process will slowly roll out over the coming months.

So, we appreciate your patienc and understanding as to why ACE is not 'live' at the moment. Our team, however, is VERY alive. Please call us at 888-341-7767.

NOTE: Here is a message from our support team about the service we will be providing during this SAFE ramp-up.

At Abacus we want to be your educator for life. We take a great deal of pride in not just providing approved, timely mandatory education courses, but that all of our courses are enfused with a passion and enthusiasm that only comes will a sincere love of the business and a keen understanding of what it is like for you, the originator, down there on the street. We like to think of our courses as not just education, but also real world training that is valuable to every level of this industry; be it seasoned professional or rookie. Our instructors know that when you attend one of our courses you expect more; and they deliver it, 150%.

Whether you need all or just a part of your 20 hours of mandatory education, you have to take education approved through the NMLS system. That education is put through a rigorous screening process by the SRR and only those courses that comply with the content, time and technical specifications are approved. Abacus is proud to be an NMLS approved education provider. We continue to write and submit courses for approval so that we can give you as much flexibilty as possible when it comes to choosing your education. We have a flexible scheduling policy which allows you to customize your education to your needs, whether you are attending one of our live offerings or completing your education online via our WebEx classroom equivalent offerings. Whichever you choose, you will get the full Abacus experience.

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7. How do I register with Abacus and obtain my courses and exam study materials?
After September 1:
You will type a few pieces of information into ACE so we can identify you and communicate by email, you will indicate your target states and hit submit your information. ACE will compute the optimal slate of courses and materials to accomplish your compiance with the least grief and cost. You will review this suggested purchase order and, if all is agreeable, confirm your purchase. The result will be a quick response from our system providing you with all the class information, passwords needed, and your receipt for payment.

August 2009:
We will accomplish this directly on the phone with you. Please call 888-341-7767.

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8. What is my 'Student Site Page' and how do I manage my interactions with Abacus?
You will have your own individual student information page on AbacusMortgageTraining.com. On this password-protected page you will see the history of your courses taken, certificates issued and upcoming classes. You will be able to change appointments for attendance on this page. Your passwords for the exam cram materials will be accessible. You will also be able to update and edit your other information.

When you register with Abacus you will receive a Greeting Email that will direct you to the URL for your Abacus Student Site Page and provide your password.

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9. How do I make appointments for class?
On your Abacus Student Site Page you will see a list of all available dates for the courses in which you are registered. A simple click-and-elect will secure your appointment to attend, either in person or in "live equivelent" format from a remote computer. This process will be simple and straight forward.

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10. How do I take my classes?
You need to embrace the fact that all classes are live classes. We offer two deliver modes:

LIve Classroom - The student and the instructor are in the same location.

Live Classroom Equivalent - Via a live stream over the internet. The student participates in a live classroom class from a remote location.

Whether you choose live or classroom equivalent delivery, you will get the full Abacus experience with exercises, quizzing and the ability to get your individual questions answered. We do our best to help you work your education into your schedule and to provide an exceptional experience regardless of which delivery you choose.

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11. Can you help me prepare for my exams?
We have your exam preparation answer:



We highly suggest you include SAFE-Smart Exam Cram along with your course registration. The national and state exams are very difficult. The combination of course content and exam preparation is the best game plan for assuring passing the exams.

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12. I'm ready. How do I take my exams?
All of your fees for licensing, renewal and exams have to go through your NMLS account. So even though the NMLS does not give the exams, you do have to pay for them through your NMLS account. Before you begin this process, it is reccommended that you download and read the MLO Testing Handbook.

The process is:
  1. Pay
    Log into your NMLS account and click the Professional Requirements tab, then click Testing on the top of the page. Then click on Test Enrollment. You will choose your states and/or the National component and pay for your examinations. You will receive a confirmation email once your pament is received.

  2. Scheduling
    Once you have paid for your exams and gotten your confirmation email, you can then choose where you want to take the exams. Go to the NMLS Testing Resource Page and use the links there to decide what testing center is the most convenient for you. One you have decided which center you want to use, visit the website of the testing company that runs that location to schedule your exam time(s).

  3. Take your exam(s)
    You will receive email confirmation from thet testing company once you have scheduled your test time(s). They are there to make sure you are who you say you are. There is no need to bring your MLO license or your certificate of completion from an education course. You will have to show two forms of ID, one that has your picture (ie: driver's license, passport, etc.), to the proctor on site at the testing center. You have three hours to complete the national component and two hours to complete any state component. You must score 75% or better to pass. Once you have completed your exam you will be given a score card by the testing company as proof of your passing and they will submit your scores to the NMLS. If you do not pass any exam you must wait 30 days before retaking the exam and you must pay again. If you fail four times, you must wait 6 months before taking the exams again. You may not bring anything into the exam. Any personal items you bring into the testing center will be put in a locker and held by the proctor until you complete your exams. Scratch paper and a calculator will be given to you at the testing center and collected from you before you leave.
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13. How do I apply for a license?
Initially, whether you have been doing business in the mortgage industry for 20 years or 2 days, you will have to complete an application, called an MU4 form. This is a detailed application and will take you 20-40 minutes to complete. We reccommend having a resume or some other helpful document available while you complete the application as it will require you to input your last ten years employment and residential history. Once you have completed your MU4 and are granted a license, you do not have to complete it again! You will be able to modify/update your information as needed and attest to its accuracy and use the same information for all the states you apply to.

First Time Users Start Here

Once you are licensed, you can then associate yourself with the broker or lender that you work for so they can notify the NMLS that you are originating for them. It is important that the NMLS know who is originating for what company and where.

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14. How do I renew my license?
In order to renew your license, you must have completed all of your required education in the appropriate topics. Those credit hours are reported to the NMLS by your course provider. Once you are inside your renewal window (November/December) you can log into your NMLS account and complete your renewal.

There are, basically, three steps to renewing:
  1. Attestation - Confirming you are who you say you are and that you have completed all the education required to renew.
  2. Review - Looking over all your details and confirming that your information is up to date and correct.
  3. Renewal - Paying your appropriate renewal fees.
For details on how to complete this process as well as other functions of your NMLS account, click here.

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15. So what now?
As a condition of renewal, you will be required to take a minimum of eight hours of approved NMLS continuing education each year prior to December 31. Some states will have requirements above and beyond this minimum standard. At Abacus, we strive to provide approved education courses year after year that are not only approved for your requirement, but are relevant and timely.

At Abacus, we make your education count!

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What our students
are saying
about us...

Over 15,000 students have attended class with us since 2002. It seems many of them have something to say. We take their critical suggestions seriously. We are proud that so many have good things to report from their experience with our trainers and staff.

Full testimonials page

Your class will be a requirement for my new loan officers. Two thumbs up on your integrity and ethics section.
~ Christopher W. Cornett



If you want to pass the test, take a class. If you want to succeed in the business take this class.
~ Terry D. Patoka



As someone new in the mortgage business, this 24 hour course is absolutely complete. Loved all the real case scenarios used during the course.
~ Karla M. Amaya

He had an abundance of knowledge. He has done his homework. I loved his energy.
~ Tom D. Lenardson

This class is an “all inclusive” class creating building blocks for ethical and proper mortgage originatiors. Paul Donohue is an excellent motivatior and engaging instructor.
~ Anita Henderson Beam

Paul was able to keep my attention for 12 hours and deliver the material I need to learn!
~ Maria Degenhart

Instructor was very comprehensive and thorough. The material was presented in an entertainingly informative and interesting manner.
~ Shella Sylla

The amount of material and concepts covered is mind-blowing.
~ Craig Needelman



Mr. D. is sincere, professional and exerts charisma that keeps the class motivated and attentive. A great experience.
~ Christine Santos

Excellent speaker; able to entertain and excite crowd with the most boring material in the world, very professional and knowledgeable. Great personality and good sense of humor.
~ Mary F. Vernon

There is nothing like getting started on the right track. There is a huge return on investment for anyone taking this course. Paul clearly has a mastery level knowledge of the mortgage industry and all related current and new laws, yet makes the class a lot of fun.

Paul keeps his classroom actively engaged and makes learning the laws interesting. You come out of it with a deep understanding of why the laws are written.
~ Brett Reider

I have been involved in the industry for 27 years. Very captivating and knowledgeable. Will attend future classes with this instructor.
~ Mike Schlaff

Recommended and hailed as the best available course. Although this is my 1st course, I would be hard pressed to find better. Awesome. Very knowledgeable about all worldly subjects which extremely enhanced the learning environment. His energy kept class involved and attentive!
~ Trel McClary



A lot of material to cover in 24 hours, but upon leaving I know what to expect on the exam, and what I need to spend time on. Paul has that rare ability to relate ‘data’ to real life experiences. His enthusiasm is infectious. I have been in the business 20 years.
~ William H. Green, Jr.

Very interesting and informative… Made the class enjoyable! Very knowledgeable. I have been in the business for 4 years.
~ Tim Andrus

Very informative. It added onto my knowledge of the business and gave me new ideas and concepts. I have been in the business for 1 year.
~ Adam Schott

Excellent – Would highly recommend regardless of time in the industry. Paul did and excellent job - Made 24 hours go by in a flash!! I have been in the industry 30 years.
~ Michael Lovejoy

Engaging, Educational, Enlightening. Paul is very expressive with his gestures and holds your attention for the entire class!! Excellent class. I have been involved in the industry for 23 years!
~ Rae Berry

Enlightening, very good review and excellent current legislative information. I have been in the business 6 years.
~ Tabatha Wilson

Very informative and enlightening. Paul’s personal dialogue inspired me. I have been in the business 8 years.
~ Charles Anthony

Outstanding, engaging, kept my attention, never bored. I have been in the industry 10 years.
~ Suzie Levora



Very easy to learn from and so patient, made the material very interesting and fun. I am new to the business.
~ Kay Jones

Excellent review with accentuated principles for the novice and/or for the experienced mortgage industry participant. Very well informed, courteous, friendly, lively, humorous, innovative for communication purposes, astute / professional, current status, concise, patient, excellent communicator, idea-giver, cares for holistic learning for equipping participants in lieu of only for testing purposes. I have been involved in the industry for 7+ years.
~ Joel Crimm

A prerequisite to sit for the state exam (NC). Wealth of knowledge, expertise in the field, made learning fun even though it’s intense! I am new to the business.
~ Ami Jackson

Love the “sales” tips and advice. Great stuff!! Great class. Paul makes dry material interesting and easy to understand. Entertaining too! I have been involved in the business for 7 years.
~ William M. Duggan

Fantastic instructor with a genuine interest in the industry and the success of his students. Everyone can learn something from Paul. His incredible wealth of knowledge is invaluable.
~ Nadia Southerland

Very informative and the course is cutting edge!!! I’ve been in the industry 20 years.
~Robert E. Malarchick

I am brand new to the business and thought the class was excellent. Great information and very helpful study guides.
~ Kerrigan Kemp



With 5 years of experience, I would defiantly recommend this class because it was both entertaining and educational.
~ Reginald Adams

Paul has a deep passion for this profession and it comes through in his teaching. He engages the students and new concepts are easily understood.
~ Ann Warren

My first exposure to the mortgage industry was though Abacus Mortgage Training, which educated me on a number to topics that will enhance my career as a loan officer. I found the most engaging parts of the course to be Mr. Donohue’s tips and personal expertise, advice. Very enthusiastic teacher who engages the learner by using various teaching methods and personal stories regarding his professional experiences.
~ Jamie Matheny

I have been in the business 10 years. Keeps it interesting especially with his in depth knowledge of the industry and personal experience.
~ Jon Yezek

This covers two essential areas,
1) information needed to pass the state exam
2) an excellent overview of the industry.
This class should be mandated for all in the industry, targeting the top 10 states in mortgage fraud. I have been in the industry in Florida for 20 + years and teaching the Florida 24 hour Mortgage Broker’s Course for 7+ years.
~ Thomas Pastor

As an experienced biz pro, but new to the mortgage industry, I found Paul to present an honest, enthusiastic delivery from a clear knowledge leader in the industry. Paul’s knowledge of current law and updates make his contribution invaluable to even experienced mortgage pros.
~ Ernest C. Capone

I am brand new to the mortgage industry. I think this is essential to ensure that I pass the 1st time! Very effective instructor. Loved the interim quizzes, very helpful.
~ Cheryl Henner

I have been in the industry since 2003 and enjoyed the class very much and learned a lot. It was eye awakening to hear things that were unlawful, that I have witnessed being practiced in the everyday work environment.
~ Amy Ellis



Just entering the industry and was blown away with how much I learned and how easy it was to grasp.
~ Walker Pegram

I am new to the mortgage industry. The class exceeded my expectations. I expected to be preparing for exam and received preparations for a career.
~ Edward Walts

Paul is the man. Anybody that can keep my attention for 24 hours gets an A+ in my book!
~ Matthew Werner

Paul keeps bland subject matter interesting by incorporating real world experience.
~ Thomas Helm

Paul Donohue is truly excellent in his presentation and explanation of the subject material.
~ Scott Lee

Paul easily transfers his passion about the industry to everyone he teaches.
~ Jeff Register

As a banker and mortgage lender for the last 19 years, I felt as through it was a good refresher course, as well as a vehicle for learning the new lending laws. Paul is very dynamic and animated and makes material that would otherwise be “dry” interesting with his mini history lessons.
~ Anita Mullinax Mundy

Excellent class - truly enjoyed the instructor – a lot of information but felt if was delivered well and feel I have the tools to study and prepare for testing.
~ Miranda Roberts

Great experience. Paul is certainly a great educator and, more importantly, a genuine person. The difference in instruction is caring about what you do. Paul does!
~ Lori Martel

Not a dull moment, he kept me on my toes and kept me interested.
~ Teresa A. Oxendine

Great class! Well worth the investment! This is not your typical kind of class – Paul held my attention throughout.
~ April D. Green

Invaluable course for anyone serious about the mortgage industry. Superb and incredibly knowledgeable instructor. Paul is a gift to the mortgage education industry.
~ Glenn A. Chua

Energetic, humorous, fun!
~ Karl Higgins



Incredible amount of information packed into 3 days. There is no replacement for the value of this class. Paul is a very knowledgeable, dynamic and energetic instructor. His enthusiasm is pervasive and contagious.
~ Curtis M. Prout

Loaded with information, fast-paced… covered the basics and so much more.
~ Brenda Jurney

Excellent class for first timers and veterans in the mortgage industry. Paul’s knowledge and passion is unequaled.
~ Floyd C. Bishop

Paul Donohue is a dynamic speaker and a very effective teacher.
~ Sharon Penner

Paul brings his extraordinary expertise, integrity and passion for the mortgage industry to the CORE 24.
~ Sharon Penner

A fresh perspective on the mortgage industry.
~ John Hough

It is so much more than just learning the course material, and very motivating.
~ Laura Sozio

Paul was very direct, precise and to the point. All info is necessary. There is no fluff in there.
~ Leighsa Lattimore

Paul was able to take complicated concepts and guidelines and help interpret them in a way that simplified the learning process.
~ David N. Shaw

It was a blessing, honor and privilege to get the knowledge and experience that Paul shares with the class. He is passionate about keeping up with changing laws.
~ Jimmy (Jay) B. Wood, Jr.

Knowledge is current and vast. Compressed format is very effective. Appreciate the idea of Paul’s willingness to provide his students with little gold nuggets that are applicable to work and life. Also, he treats individuals with respect despite obvious lack of knowledge or newness to the field.
~ Willie Sanders

It was a great fast track to learn how the mortgage industry operates. Paul… inspires you to learn all you can about the industry.
~ Keri Merchant

I really enjoyed learning the little things Paul knew from his experience which will help me perform in the future.
~ John Knechtel

Paul is a very great teacher and is very educated. I recommend anyone in the mortgage field taking his class to further your education. I wouldn’t want anyone else teaching me in the mortgage field.
~ Allison Bristow-Chisley

I think this class offers a great deal of detail on the history of the industry and how it connects with the laws implemented as well.
~ Calvin K. Coates

The presentation of the laws / regulations was interesting in that the reasons they were created made them much more appreciable.
~ Robin Lloyd

You can never learn so much in a few days without an awesome teacher like Paul! Best teacher ever!
~ Nhu-Lang Fowler

You can tell how much knowledge and experience Paul has right away. His professionalism is addictive and you can tell he understands where the industry is headed.
~ Paul Norment

Paul has an unmatched capability to keep people engaged and on task.
~ Jae Heizer

Paul was charismatic, kept the rooms attention and spoke intelligently on the various aspects of the lending process.
~ Terrie Orsi

After being in the Mortgage Business for 38 years one would think you might be an expert. Well after spending 24 hours with Paul Donahue I feel I am now totally up-to-date on what it takes to be in compliance with the laws governing our business along with being a successful provider of mortgages to consumers. I highly recommend Paul Donahue as he is committed to provide the superior education guidance we all need to be successful in our mortgage lending career.
~ Leb I. Dixon, Master CMB

Great duo, was able to learn needed “hot topics” that effects our industry. Having an atty as a part of the duo was great, helped hearing real world situations and how the new laws applied to said situations.
~ Robert O’Bday, Jr.

I felt an immediate “trust” with Paul. His knowledge is fascinating and I look forward to learning from him again soon.
~ Mary Horrell

“The best in the business. Period.”
~ Arch William

Very informative and instructor had high energy level and showed concern for the industry.
~ Dennis Matheney

Paul demonstrates ethics building trust with his students. Joy is a superstar!
~ Martha E. Williard

Paul is part historian, philosopher and business coach who makes learning fun.
~ Bill Montgomery

Paul Donohue is a great speaker and can make any topic interesting.
~ Sarah Johnston

You need this course to give assurance you have an opportunity to stay in business!
~ Roby C. Best, Jr.

Paul – “A book of the mortgage bible you need to read.”
~ William C. Montgomery

We received our education in the cities of the nation, me and Paul.
~ Willie Nelson
~ William C. Montgomery

Ethics meets lending – a necessary concept for the future of the mortgage business. More fun than a lap dance. Most fun you can have with your clothes on.
~ Ken Baltes