Prep xL Questions

We recommend starting Prep xL once you have completed a 20 hour pre-licensing course in preparation for the NMLS SAFE Exam. First, start with the Lessons section, as it will be a refresher of the 20 hour pre-licensing course. You will ...

Prep xL is an exam prep tool for anyone that is preparing to take their mortgage license exam. It leverages personalized learning technology to tailor study materials and create customized learning paths to help you prepare for and pass the NMLS SAFE...

We have an updated user login experience, and your password reset options depend on your date of purchase. Based on your date of purchase, please follow the instructions outlined on our Prep ...

If you have any questions about course content or notice any errors within Prep xL, please email our instructors at mortgageinstructor@oncourselearning.com.

Progress can be reset by either clicking on “Reset All Questions” under Practice or Tests in the top right or by selecting a Category, clicking on the category name you would like to reset and then pressing “Reset Category.” ...

Once you sign in, your plans can be found under the Study Plan tab located at the top left of the page. You can switch between each plan at anytime. The Structured Plan is the default plan and will give you a certain number...

When you purchase Prep xL, you will be able to access it for 1 year from the date of purchase.

Get rewarded for sharing your NMLS – UST Exam results with us. How it works Email a picture of your NMLS– UST Analysis Score Sheet to mortgagesales@oncourselearning.com with "MLO Test Ready" as the email subject line...

Logging into Prep xL Note: Instructions are the same for iPhone and Android users. Note: Depending on date of your purchase, you may have Single Sign-On for your Prep xL access. Review ...

On most webpages, simply click the red icon in the bottom right corner and a chat window will open. Type your questions and Rubi AI will generate an answer within a few seconds.  If you are using Prep xL exam prep, Rubi appears inside the learning platform where you can ask study questions, request flashcards, generate lesson summaries, or get explanations for mortgage concepts. 

Rubi AI is an AI assistant built specifically for mortgage education and compliance. Depending on where you interact with it, Rubi can help in different ways.  On our website, Rubi can help you choose the right courses, understand licensing requirements, and navigate our training options.  Inside our Prep xL exam prep platform, Rubi acts as a study partner, helping candidates review concepts, generate practice questions, create flashcards, and build study plans for the SAFE MLO Exam.  Click the red Rubi icon, then type your question or select a prompt to get started.  

Yes. Rubi AI is available 24/7 on our website and inside Prep xL exam prep, so you can get answers or study support anytime. 

Yes. If your question is more complex, or if you just prefer speaking with someone, you can always reach our customer support team.

Rubi AI is trained on mortgage exam content, proprietary exam prep resources, and licensing & compliance requirements. On our website, it provides course recommendations and licensing guidance. Inside Prep xL exam prep, it helps explain concepts and supports your study process. Because licensing rules and regulations can change, we always recommend confirming requirements with the NMLS or contacting our support team if you are unsure.

No problem! You can ask the AI Agent to clarify, or you can connect with our team to confirm before you enroll.

The AI agent gives strong recommendations based on the latest requirements, but final responsibility for completing the correct courses rests with each student.  

Rubi AI operates within a secure, closed system across our website and learning platforms and is committed to protecting user privacy and safeguarding personal information at all times.   It may ask for basic details like your state and mortgage license type so it can recommend the right courses, but it will not ask for sensitive information like payment details or private personal information.  

Conversations may be stored securely so we can improve Rubi AI’s recommendations and study support features Access our privacy policy here.

Yes please! Your feedback helps us improve the AI Agent so it serves you better. Use the "thumbs up" or "thumbs down" feature and type in additional feedback. 

Practice question sets in Prep xL can be found under the left side navigation panel under “Practice.” Here, you will find sets of practice questions that cover all content sections on the SAFE exam including Federal Mortgage-Related Laws, General Mortgage...

Practice exams in Prep xL can be found under the left side navigation panel under “Tests.” There are 11 practice tests available, each designed to mimic the actual SAFE exam. These are great indicators of SAFE exam-readiness, so we recommend taking several...

After completing a practice exam, you can review your results by re-opening the completed exam. You will see your results tabulated as an overall score. You can also select the “Category Scores” tab to identify areas of strength and weakness.   ...

After completing a practice exam, you can review your results by re-opening the completed exam. You will see your results tabulated as an overall score. You can also select the “Category Scores” tab to identify areas of strength and weakness.   ...

Prep xL is an exam preparation tool that you never actually “complete.” The program has 3,000+ practice questions, 800+ flash cards, and 11 practice exams designed to gauge SAFE Exam readiness, plus interactive games to help reinforce your learning. ...

Enrollments into Prep xL entitle you to 12 months of access to the content within it. If you are interested in extending your access, reach out to our customer support team at 866.512.9888. 

Rubi AI in Prep xL is an AI-powered study partner built into our exam prep platform. It helps SAFE MLO candidates better understand mortgage concepts, review exam topics, and stay engaged during their study sessions. 

Rubi AI supports active learning by helping you:  Ask questions about mortgage regulations and exam topics  Get simplified explanations for complex concepts  Generate flashcards for key terms  Create personalized study plans...

Yes. Rubi AI in Prep xL is specifically trained on mortgage industry concepts, SAFE exam content, and OnCourse Learning’s proprietary Prep xL exam prep materials.  This means it understands how candidates are tested and can help explain tricky ...

No. Rubi AI is designed to support your learning, not replace your coursework or instructors. It acts as an additional study resource to help reinforce the material you are learning in Prep xL and your 20-hour licensing course.  

Rubi AI is here to help you prepare - it is designed to help you better understand exam topics and stay engaged with your studies. While it can be a powerful study partner, passing the SAFE exam ultimately depends on your preparation and understanding...

Note: Live on 3/31/2025, we will have a Single Sign-On (SSO) process for users with both Prep xL AND a licensing course. Please follow the instructions below based on your purchase date for Prep xL.   Note: ...