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8 Hour SAFE Comprehensive: 2023 Originator Essentials (For California DRE Licensees)

Provides both DRE (real estate) and NMLS (mortgage) license renewal credits.

Renew your CA mortgage license and get both DRE (real estate) and NMLS (mortgage) credits with this special 8-hour dual-credit SAFE course.

+ $12.00 NMLS Credit Banking Fee


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8 Hour SAFE Comprehensive: 2023 Originator Essentials

DRE Sponsor Number: 6347

NMLS Course ID: 14884

NMLS Sponsor ID: 1400327

Credit Hours Provided: 8

Category: Consumer Protection

View Course Syllabus


This California Real Estate Originator License Course provides 8 hours of credit for both:

  • Mortgage loan originator license renewal through the NMLS, and
  • Real estate license renewal through the California Department of Real Estate (DRE).

This course does NOT provide the 1-hour elective required of persons licensed through the California Department of Financial Protection and Innovation (DFPI), however this is available as a separate package for those that need it.

Please read the included syllabus / general information page for full details before making your purchase.

Course Description

graphicThis course will instruct mortgage loan originators on a number of regulations that they will have to comply with while taking part in their mortgage loan origination activities. Rules, such as those implemented by the Dodd-Frank Wall Street Reform and Consumer Protection Act, are set in place to protect the interest and well-being of consumers who apply for mortgages to purchase or refinance their properties. To ensure that their business practices satisfy the regulations adopted by federal laws, mortgage loan originators need to keep current on the guidelines published by entities such as the Consumer Financial Protection Bureau (CFPB).

Topics and Learning Objectives

This course consists of four sections and a final exam

  1. Top 10 Federal Topics for 2023

  2. Ethical Treatment of Consumers

  3. The VA Home Loan Program

  4. Fair Housing in Today's Market

  5. Final exam

Total study time: 8 credit hours (6 hours, 40 minutes)

Module 1: Top 10 Federal Topics for 2023

Study Time: 3 clock hours (150 minutes of federal law)

Fair lending along with compliance to the law, established rules, and implemented regulations is everyone’s responsibility. When compliance failures occur, everyone, including the customer, loses.

The topics outlined in this module are mandated by the NMLS and state regulators, covering the more egregious regulatory compliance failures recently discovered through various regulatory examinations, investigations, and audits.

Module 2: Ethical Treatment of Consumers

Study Time: 2 clock hours (100 minutes of ethics, fraud, and consumer protection)

The ethical treatment of consumers and ethical practices in mortgage lending are a high focus of regulators and consumer advocacy groups. This module will cover ethics, including identity theft prevention, fraud prevention, and consumer protection requirements.

Module 3: The VA Home Loan Program

Study Time: 2 clock hours (100 minutes of non-traditional mortgage)

The objective of the Veterans Administration (VA) mortgage loan program is to provide long-term financing to eligible American military veterans and their surviving spouses, helping veterans purchase properties with no down payment. The program allows eligible veterans to buy, build, repair, retain, or adapt a home for personal occupancy as well as refinance an existing mortgage loan.

Module 4: Fair Housing in Today's Market

Study Time: 1 clock hour (50 minutes of elective topics)

All mortgage lenders and originators, and all others involved in mortgage lending, are subject to state and federal fair lending laws. To remain in compliance, everyone in the lending industry should fully understand these laws.

In this module, we will cover fair housing laws designed to protect consumers, your company, and yourself from discriminatory lending practices. Specifically, we are going to explore relevant provisions of fair housing and take a look at a few issues found in fair housing Law.

NMLS ID Required

You must have an NMLS ID to receive credit for this course. You will need this number before you begin the course.

If you already have an NMLS ID but don't remember what it is:

  • Login into NMLS
  • Click on the Composite View tab.
  • Click View Individual on the sub-header row.
  • The number that appears in parentheses after your name is your NMLS ID number.

If you do not have an NMLS ID and need to obtain one, use the instructions available in the NMLS Resource Center

Method of Course Presentation

  • Presentation: Internet
  • Course Category: Consumer Protection
  • Credit Hours: 8

Course Fees

Course fees consist of the initial enrollment fee and a NMLS credit banking fee of $1.50 per credit hour.

Course Materials

  • Title: 8 Hour SAFE Comprehensive: 2023 Originator Essentials
  • Authors: OnlineEd, LLC
  • Copyright date: 2005-2023
  • Pages: 159


Course must be completed within one year of enrollment.

Refund Policy

All tuition and fees paid for the course are refundable when: (a) the course of instruction is discontinued by OnlineEd and such discontinuation has prevented a student from completing the course; or (b) the enrollment of the student was procured as a result of any misrepresentation in promotion materials of the school, or representation made by an owner or employee of the school. All refunds will be completed within 30 days after the effective date of enrollment termination. Refunds will not be given to any student after the student has successfully registered in a course or courses, as once registered, student has access to the registered courses. In hardship cases, OnlineEd may issue a refund at its sole discretion. OnlineEd does not issue retroactive partial refunds for courses that are subsequently discounted or put on sale after a student makes a purchase.

Final Examination Criteria

  • Number of questions: 25
  • Types of questions: multiple choice
  • Time: 25 minutes
  • How many final exam attempts are allowed: 2
  • Minimum passing score: 70%

DRE Disclaimer

This course is approved for continuing education credit by the California Department of Real Estate. However, this approval does not constitute an endorsement of the views or opinions which are expressed by the course sponsor, instructor, authors or lecturers.

Correspondence Course Identification Statement

In order to verify your identity, you will be asked to provide at the time of enrollment and again prior to taking the final examination certain information to verify your identity. Among the types of identification that may be asked for are your current California driver's license, current identification permitted under the California Vehicle Code, or any identification issued to you by a governmental agency or a recognized real estate related trade organization that was issued within the immediately preceding five years that bears your photograph, signature, and identification number. In addition, you will also be asked to provide answers to additional security questions, the answers to which are unique to you.

Online Evaluation Statement

After completing this course you are encouraged to complete the California Department of Real Estate's online course evaluation form. You can access this evaluation at

Course Provider Complaint Statement

A course provider complaint form is available on the California Department of Real Estate (DRE) website at Access this form by typing in "RE 340" in the search box located in the upper right corner of the home page. An informational form regarding course provider complaints, "RE 340A" is also available.

OnlineEd Disclaimer

The California Department of Real Estate does not approve nor endorse any of the forms used in this course with the exception of those prescribed by State and Federal Law. While this publication is designed to be accurate information about the subject matter it covers, it is sold with the understanding that the distributor, author, and publisher are not engaged in rendering legal, accounting, or other professional advice. If such advice or other expert assistance is required, the services of a competent professional should be sought. The recipient is cautioned to check with their managing supervisor before acting on any suggestion or recommendation, or before using any sample form contained herein.

This course will remain available to students for 365 days after enrollment.

Learn More

Key Features
Online Course
All learning is online. Start immediately. Learn on your own schedule.
Includes Video
Video segments highlight important points.
Printable Certificate
Download and print your own certificate.
PDF & EPUB eBook
Includes PDF/EPUB eBook of all reading material for your phone, tablet, or Kindle.
Dual Credit
Provides CE credits for your real estate license and mortgage license
Read-Along Audio MP3 Add +$5.00
Have a narrator read the entire course to you as you make progress. You can also download the entire course in MP3 audio format. (National portion only)
Images & Screenshots
Package Summary
Price: $56.00 (USD)
+ $12.00 NMLS Credit Banking Fee
Credit Hours: 8
Category: Vocational Training > Mortgage > Continuing Education > California > Consumer Protection
Purpose: Provides both DRE (real estate) and NMLS (mortgage) license renewal credits
Course Provider

14355 SW ALLEN BLVD STE 240,
Portland, OR 97223
(503) 670-9278

NMLS Course Provider ID: 1400327

Enrollment Agreement

Purchase of this package requires that you read and acknowledge an Enrollment Agreement before receiving credit for any courses contained in this package. Please review the following:

Our Mission Statement

To provide superior distance education that exceeds industry standards and expectations in course content and delivery methods to those who seek to enter a new profession and those engaged in a profession.

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California Education Guidelines

Get detailed information on the education requirements for topics, credit hours, and licensing.

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