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8 Hour SAFE Comprehensive: 2018 Originator Essentials (For California Real Estate Licensees)

Get your NMLS and California DRE continuing education together in one course!


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Online Course
Includes Video
Printable Certificate
PDF & EPUB eBook
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At A Glance:

Price: $36.00 (USD)
+ $12.00 NMLS Credit Banking Fee
Purpose: Provides both DRE (real estate) and NMLS (mortgage) license renewal credits
Features: online text, online video, printable certificate, PDF eBook
Hours: 8 Hours
Category: Mortgage > Continuing Education > California > Consumer Protection
Sponsor /
7405 SW Beveland Rd,
Portland, OR 97223
(503) 670-9278

Terms of Service:

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

DRE Sponsor Number: 4056

NMLS Course ID: 7897

NMLS Sponsor ID: 1400327

Additional video content is included

View Course Syllabus

This continuing education 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 Business Oversight (DBO), however this is available as a separate package for those that need it.

This course is approved by the NMLS and by the California DRE.

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


This course is delivered entirely via the internet. Students will need to complete an online quiz for each chapter and pass an online final exam at the end of the course.

No other method of taking or completing this course is allowed.

Completion Requirements

This is an online mastery-based course. Students must complete all reading assignments, media activities, and pass incremental assessments in order to make progress.

Online, timed, and active participation is required to apply the learned material to case study material. Each module has a  section quizzes as well as short questions throughout each section. The section quizzes require a 80% or higher score to proceed on to the next level of the course. Tests are graded automatically upon student submission.

Completion of the course requires passing an online final examination of 25 multiple choice questions with a minimum score of 70%. Students will be allotted 25 minutes to complete the final exam. Course credit will not be issued until the final exam has been successfully passed. If the first final exam attempt is failed, students may take a second attempt with a different bank of questions. Failure to pass the second attempt will result in a failed grade and no course credit may be given.

The course is expected to take at least 8 clock hours to complete. Seat-time is monitored and students are expected to be interacting with the system at all times.

Course Activities

This online course contains segments that include reading, video, questions, quizzes, and a final exam. Students are expected to interact and complete all activities to make course progress.

Students are be provided with the course content online. Each section will provide an overview of the regulation or loan program followed by examples and interactive activities to help students better understand each lesson. Students will be tested throughout each section to determine if they are meeting the objectives of each section and developing a working knowledge that will help them to successfully use what they are learning.

The content of the course is written by Sorg & Spaan, LLC, copyright 2018, and published as "8 Hour SAFE Comprehensive: 2018 Originator Essentials" by OnlineEd, Inc.

Issuance of Credit

This course provides 8 hours of continuing education in the California DRE category of Consumer Protection.

After successfully passing the final exam, OnlineEd will notify the Nationwide Mortgage Licensing System (NMLS) that the continuing eduction has been completed by the student. It is OnlineEd policy to have credit uploaded to the NMLS by the end of the following business day.

The student will have a printable course completion certificate available after passing the course final exam. The certificate is for the student's personal records and is not confirmation that the NMLS has received the notification that the student has completed the course final exam.

A California DRE-approved certificate will be issued for successful completion of the course. Students are responsible for renewing their own license with the California DRE.

Technical Requirements

Students only need a computer with a functioning and accessible Internet connection. This course works on all modern browsers including Microsoft Internet Explorer, Google Chrome, Mozilla Firefox, Apple Safari, and Opera. Students are responsible for internet access service charges.

Course Description

This 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).

In the first module of this course we'll discuss the federal laws that regulate the mortgage industry. Our attention will first be focused on the Truth in Lending Act (12 CFR Part 1026 [Regulation Z]). The second topic focuses on the Real Estate Settlement Procedures Act (12 CFR 1024 [Regulation X]). These two federal laws are designed to protect the consumer when going through the process of applying for and obtaining credit.

The second module is written with a focus on consumer protection and proper mortgage advertising practices as defined by the CFPB's Mortgage Acts and Practices Advertising Rule (MAP Rule), the advertisement regulations of TILA and RESPA, and the FTC Advertising Rules. In this module you'll be provided with a better understanding of laws that protect consumers from untruthful mortgage advertising.

The third module will review the compliance requirements of the Bank Secrecy Act in regards to Anti-Money Laundering and the reporting of Suspicious Activity. It is designed to fulfill the training requirements of the Bank Secrecy Act (BSA) 31 CFR § 1010 and § 1029.

The fourth module covers unique mortgage product solutions for unique customers. We'll cover several non-traditional mortgages such as the 203(k) rehabilitation loan from FHA, several energy efficient loan products, and Fannie Mae's HomeReady® Mortgage Program.

The fifth module reviews various fair lending laws such as the Equal Credit Opportunity Act (ECOA) and federal fair housing laws. It is important for us to understand the fair lending laws that govern the mortgage business to remain in compliance and to fully understand fair lending practices. 

Topics and Learning Objectives

This course consists of five sections:

  1. Federal Laws That Regulate Lending – TILA and RESPA

  2. Ethical Mortgage Advertisement Practices

  3. Complying With the BSA/AML SAR Filing Requirements

  4. Non-traditional Mortgage Products

  5. Fair Lending in Today's Market

Total study time: 8 hours

Module 1: Federal Laws that Regulate Lending – TILA and RESPA

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

  • Introduction to TILA (100 minutes)

  • Introduction to RESPA (50 minutes)

Title I of the Consumer Credit Protection Act, known as the Truth in Lending Act (TILA), was first enacted in 1968. The provisions of TILA are implemented by Regulation Z. The Real Estate Procedures Act was enacted in 1976, and its provisions are implemented by Regulation X. These two federal laws help consumers better understand the financial terms they are obligating themselves to. TILA requires creditors to issue a good faith estimate of costs associated with the credit being offered, while RESPA discloses the costs of settlement services and prohibits unethical kickbacks between mortgage licensees. This module will outline both of these federal regulations.

Module 1 Objectives

When you have completed this module, you will be able to:

  • Describe the transactions that are exempt from Truth in Lending Act regulations.

  • Explain the purpose of the Real Estate Settlement Procedures Act

  • Review what is and is not considered to be a permissible finance charge.

  • Outline the Truth In Lending Act regulations regarding open-end credit and closed-end credit.

  • Identify the kinds of promotions the TILA consider to be advertisements, including prohibited acts when advertising mortgage services.

  • Summarize the acts that would require issuing a revised Loan Estimate or Closing Disclosure.

  • Recognize the RESPA liabilities when dealing with Marketing Service Arrangements

  • Describe the loss mitigation procedures that loan services must comply with under RESPA

Module 2: Ethical Mortgage Advertisement Practices

Study Time: 1.5 clock hours (75 minutes of ethics, fraud, and consumer protection)

  • The Mortgage Acts and Practices Advertising Rule (40 minutes)

  • TILA and RESPA Advertising Rules (15 minutes)

  • FTC Advertising Rules and Case Study (20 minutes)

This module is written with a focus on consumer protection. Most, if not all of the regulations of the mortgage and banking industry are implemented to protect the consumer. In this module you'll be provided with a better understanding of laws that protect consumers from untruthful mortgage advertising. Understanding what you can and cannot do in regard to advertising loan products is vital when dealing with the public and promoting your services. As an advocate for your customer it is up to you to be diligent in your understanding of the laws and regulations affecting our industry, how they affect you in your business, and how to adhere to them for compliance and consumer protection.

Module 2 Objectives

When you have completed this module, you will be able to:

  • Identify the Consumer Financial Protection Bureau's rules on mortgage advertising, including the scope, definitions, and prohibited representations for mortgage loan promotional advertising.

  • Give examples of statements used in mortgage lending advertising that may be in violation of the CFPB's advertising rules.

  • Recognize the difference between the CFPB advertising rules and the rules set forth in the Truth in Lending Act.

  • Describe the restrictions on kickbacks and referral fees outlined in the Real Estate Settlement Procedures Act.

  • Explain the Federal Trade Commission's rules regarding advertised endorsements.

  • Recognize the importance of consumer privacy protection rules by understanding the national Do Not Call registry and the CAN-SPAM Act.

Module 3: Complying With the BSA/AML SAR Filing Requirements

Study Time: 0.5 clock hours (25 minutes of ethics, fraud, and consumer protection)

This module will review the compliance requirements of the Bank Secrecy Act in regards to Anti-Money Laundering and the reporting of Suspicious Activity. We will outline the anti-money laundering compliance requirements and reinforce your knowledge of your requirements to report suspicious financial activity. The topic of failing to comply with BSA/AML SARs filing requirements is required study by all mortgage licensees for their 2018 NMLS renewal.

Module 3 Objectives

When you have completed this module, you will be able to:

  • identify the stages of money laundering

  • outline the process of authenticating a customer's identity at the point of establishing a relationship or account with the customer

  • describe the information that should be included on a preliminary suspicious activity report

  • review the process a compliance officer must follow to file a suspicious activity report (SAR) with FinCEN

  • list various red flags that could imply fraud in the transaction

  • recognize the penalties for not complying with SAR filing requirements

Module 4: Non-traditional Mortgage Products

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

  • The FHA 203(k) – A Program for Property Rehabilitation (30 minutes)

  • Energy Efficient Mortgage Programs (45 minutes)

  • Fannie Mae's HomeReady® Loan Program (25 minutes)

Besides a traditional conventional loan product, there are other options available when it comes to rehabilitating a home for purchase and refinance that may more perfectly fit the rehab loan needs of the borrower. This module will explain several non-traditional mortgage products, exploring other options available to borrowers such as the Federal Housing Administration's 203(k) property rehabilitation loan, four types of energy efficient mortgage products, and the Fannie Mae HomeReady® rehab loan product.

Module 4 Objectives

When you have completed this module, you will be able to:

  • Describe the guideline for the FHA 203(k) rehabilitation loan product

  • Recognize the qualified improvement differences between the standard 203(k) and the limited 203(k)

  • Paraphrase the purpose of energy efficient mortgages (EEMs)

  • Review four EEM programs: the FHA EEM, the VA EEM, the Fannie Mae HomeStyle® Energy Mortgage, and the Property Assessed Clean Energy (PACE) Program

  • Outline Fannie Mae's rehabilitation mortgage product, the HomeReady Mortgage program

Module 5: Fair Lending in Today's Market

Study Time: 1 clock hour (50 minutes elective topic)

All mortgage lenders, mortgage loan originators, and all who are involved in the mortgage lending industry are subject to various state and federal fair lending laws. It is important for us to understand the laws that govern the mortgage business in order to remain in compliance and to fully understand fair lending practices. This module will cover the various requirements in place to remain in compliance with fair lending laws and protect consumers, your company, and yourself from discriminatory lending practices.

Module 5 Objectives

When you have completed this module, you will be able to:

  • Identify discriminatory practices in the mortgage industry.

  • List classes that are protected from discrimination.

  • Define what is required to provide fair lending in the mortgage industry.

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

Policies on Cheating and Misrepresentation

Misrepresentation of personal identity is strictly forbidden for all OnlineEd courses. Falsifying personal information, forgery, and misrepresentation may result in immediate suspension. Additional actions by state and federal agencies may include loss or suspension of a license, failure to grant a license, fees, or criminal prosecution.

Cheating on courses that supply completion certificates, designations, or official credit is not tolerated. OnlineEd is not obligated to continue to furnish credit or continued support for students caught cheating on any part of the coursework or testing.


Students are free to stop for a break at any time during the course for any length of time. Progress in the course is saved automatically. Breaks and periods of inactivity will not count towards the required seat time. Students will automatically be logged out after 6 minutes of inactivity and the inactive time will not count towards seat time.


This online course is available all day, every day after enrollment unless there is scheduled system maintenance. Courses are made available to students immediately upon purchase. Instructor and technical support are available during normal office hours of 9:00 am to 5:00 pm Pacific Standard Time on Monday through Friday, excluding holidays. Online access to this course is available for 365 days from the enrollment date unless stated otherwise.

If this course is not completed within the given amount of time, a reinstatement fee may be charged. Course content will continue to be available to students after course completion.

Instructor Support

Students will be assigned a course instructor at registration. Students may contact the course instructor by email if they have questions regarding the course content. Technical support questions should be directed to OnlineEd, Inc. and not to the instructor. Students are not required to use this service. OnlineEd reserves the right to refuse instructor support to students that abuse this service.

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.


Cancellation requires no notification and students may discontinue the course at any time.


OnlineEd may honor post-sale rebate requests for differences in product pricing due to promotions or coupons only if the request is made within 3 business days of purchase. OnlineEd will not honor rebate requests for any products after 3 business days of purchase and will not price-match any competitor's products after a purchase is completed

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.


This course has no prerequisites.

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 that are expressed by the course sponsor, instructor, authors or lecturers.

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.

Course Evaluation:

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 http://www.dre.ca.gov/files/pdf/forms/re318a.pdf

Course Provider Complaint Statement

A course provider complaint form is available on the California Department of Real Estate (DRE) website at www.dre.ca.gov. 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.

Introduction to the Provider


OnlineEd, Inc. is an NMLS approved course provider based in Portland, Oregon, and has been offering courses over the Internet since 1998.

NMLS Provider ID: 1400327

This course is developed and published by OnlineEd, Inc. Completion certificates and other school functions will also be handled by OnlineEd, Inc.

All of our teaching and instruction is done via the Internet and through our unique course management system. We actually write and publish our own course material for an exclusive online experience. All course materials are written by knowledgeable, experienced industry professionals and instructors.

Contact information:

7405 SW Beveland Road
Portland, OR 97223
(503) 670-9278



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.”

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.
Purchase of this package requires that you read and acknowledge a Terms of Service agreement before receiving credit for any courses contained in this package. Please review the following: