Chosen by 60,000+ candidates, Prep xL features an AI-powered study partner trained exclusively on mortgage content. Get personalized guidance, instant explanations, and 24/7 study support.
Prep xL mirrors the NMLS exam format with realistic practice questions, simulated exams, targeted feedback, and AI-powered assistance designed to help you study smarter and pass on your first attempt.
1,825+ practice questions
11 simulated exams
800+ flashcards
AI-powered study partner
Study guides and expert-written lesson plans
Simplified charts let you track your study performance over time.
Self-report your confidence levels for each topic and focus on your areas of weakness.
Get feedback on wrong answers and learn from rationalizations written by experts.
— Victoria D, Prep xL student
Key recommendations to enhance your study efforts and maximize your results.
We recommend starting Prep xL after completing the 20-hour pre-licensing course to prepare for the SAFE exam. This approach provides a solid foundation of pre-licensing knowledge to build upon as you continue your studies.
Prep xL gives you access to AI-powered assistance anytime you study. Get instant explanations for difficult concepts, guided support while reviewing questions, and personalized help that keeps you moving forward when you get stuck. Learn more
First, head to our Lessons section to review the 20-hour pre-licensing course content. Here, you can assign confidence levels to each lesson. By doing so, Prep xL will identify the topics that need more focus during your study sessions.
Next, study using in the Practice and Flashcards sections to reinforce the concepts covered in the 20-hour course. Once you consistently score above 90% in the Practice section, we recommend moving on to take a practice test.
The Tests section offers a timed practice exam experience that closely simulates the actual test environment. Upon completion, you can review your answers, both correct and incorrect, along with comprehensive explanations.
Lastly, we recommend testing your knowledge in the Game Center to both strengthen and test your skills. Research demonstrates that applying your knowledge in a gaming environment enhances learning outcomes!
Get answers to the most commonly asked questions about Prep xL.
We have an updated user login experience. Based on your date of purchase, please follow the instructions outlined on our Prep xL FAQ page.
Please review these details instructions, and if you have additional questions reach out to support at 866-512-9888.
You will have access to your new Prep xL account for 365 days from your date of purchase.
Once you sign in, your study plans can be found under the Study Plan tab located in the left navigation on the page. There are 2 plans you can switch between at anytime as you study.
The Structured Plan is the default plan and will give you a certain number of questions to answer each day. This number is based on the goal exam date that you will set. We recommend setting your goal to a day before you are scheduled to take your in-person NMLS exam. This plan is the same for all students and does not focus on a specific category or subject.
The Adaptive Plan will show more practice questions specific to the areas you need to improve in. It also will show fewer questions related to categories/topics you have already mastered. You're goal date will be utilized to ensure enough questions are asked each day in order to make sure you are prepared by your goal date. To use the Adaptive Plan, you are required to take an adaptive assessment to evaluate your confidence levels in each category/topic, or have already answered multiple practice questions.
Pro Tip: Ask your AI-powered study partner, Rubi, to help you build a customized study plans! Use the prompt "Help me create a study plan" to get started.
Prep xL covers the all sections of the SAFE exam, including the National and UST (Uniform State Test) components of the exam.
Join more than 60,000 students who have successfully prepared for the NMLS exam with Prep xL!
