Kentucky Full Mortgage Course Catalog
OnCourse Learning helps both professionals and companies navigate regulatory training,
certification and compliance requirements to ensure success and manage risk in their chosen
profession. Utilizing real world professionals, subject matter experts and leading instructional
designers, OnCourse Learning is focused on providing students with the most current and
comprehensive curriculum in relevant and easy to understand formats. We help people get
started and succeed in their chosen professions.
Adtalem Global Education Inc. is the owner of OCL Financial Services LLC DBA OnCourse
Learning and is an e-learning partner that empowers companies and professionals to improve,
achieve and aspire. For more than 40 years, OnCourse Learning has been delivering continuing
education, pre-licensing and corporate training. The Financial Services sector within OnCourse
Learning is a national leader in mortgage education. Our mission is to elevate and enrich the
mortgage industry through its innovative compliance solutions and comprehensive educational
programs. Customers and partners can choose from proven online campuses/sites to meet their
OnCourse Learning is an approved course provider to deliver pre-license and continuing
education courses for professionals that meet the requirements of the Nationwide Mortgage
Licensing System (NMLS) https://mortgage.nationwidelicensingsystem.org/Pages/default.aspx
OnCourse Learning Officials and Faculty
Students are encouraged to check with their appropriate Colorado regulatory agency to confirm that the
programs you complete with OnCourse Learning will satisfy your initial or renewal or licensing
certification of that agency.
Josh Braunstein, President and CEO
Bonnie Dryden, School Director
Nafi Gerber, Sales Manager
Allison Selbo, School Administrator
April Brandimarte, Mortgage Instructor
As our courses are conducted online, students have the ability to take the course at a location
and setting of their choice. The materials for the course are all printable within the learning
management system the course is taken on.
Admission and Enrollment
Students may enroll in our courses at any time by visiting our websites or calling our enrollment office at 877-878-3600.
All students must be at least 18 years of age and have either a high school diploma or its
equivalent. Please note that some states have shorter time frames for completing courses.
Contact your state licensing regulator to ensure that you have the most up-to-date information.
Most of our training is distance education where students can take courses at a location and
setting of their choice. Our enrollment policy allows students access to the materials for courses
within our Learning Management System for 1 year from the enrollment date.
Occasionally, OnCourse Learning will offer live classroom education training at local conference
centers. Please see our website for up-to-date live education schedules at
All instructor led courses must be completed within the start and end date of the scheduled
OnCourse Learning does not discriminate against any student on the basis of gender, race, color,
religion, sex, sexual orientation, national or ethnic origin, marital status, age or disability.
Students are encouraged to use the student grievance policy* to resolve any perceived
discriminatory action by other students, faculty or staff. Any person unlawfully discriminated
against, as described in ORS 345.240 may file a complaint under ORS 659A.820 with the
Commissioner of the Bureau of Labor and Industries. Any faculty member or administrator found
to have engaged in discriminatory behavior will be subject to discipline as outlined in the school’s
OnCourse Learning does not grant credit for previous education and training. Also, OnCourse
Learning does not guarantee the transferability of its credits to any other educational institution.
Transferability is up to the receiving institution.
Students may access their courses online immediately upon enrollment. Courses are accessible
to students any time within the enrollment period. The administrative staff hours of operation are:
Monday - Thursday, 8:30AM – 8:00PM EST; Friday, 8:30AM – 7:00PM EST. Email support is
available during normal business hours.
The OnCourse Learning staff office is closed for the following holidays:
New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
On occasion, the administrative office may close early due to inclement weather or on the day
before a holiday. When the office does close early, our phone system will be changed to
announce the closure.
Our instructors will be happy to assist you with any questions regarding course content. They can
be reached at 800-877-3600 or by email at firstname.lastname@example.org during
normal business hours. While our instructors make every effort to answer your questions in a
timely manner, they are committed to responding within a 24-hour window.
Programs Offered and Costs
OnCourse Learning does not charge a tuition, the student will pay for each course they would like
to take. All students are required to pay for the course in full before they start the course.
OnCourse Learning does not offer financial aid or any other type of financing. Course fee may be
paid via credit cards: Visa, MasterCard, or American Express. A student contact OnCourse
Learning at 877-878-3600 for direction on payment. If a student’s credit card transaction is
charged back by the bank after a certificate of completion is issued, that certificate will be
Mortgage Loan Originator Prelicensing Education Courses
Applying Mortgage Knowledge to Exam Preparation (20hrs)
$309 for online (7-day or 14-day)
$419 for live webinar (3-day)
$30 additional NMLS Credit Banking Fee
Program Objective: This course meets the 20-hour pre-licensing (PE) education requirement for loan
originators. Successful completion of this course should result in proficiency in the following topics as they
pertain to the mortgage industry:
- Federal Laws and Regulations
- General Mortgage Industry Knowledge
- Mortgage Loan Origination
- Ethics in the Mortgage Industry
Successful completion of this course will also help to prepare mortgage professionals for the
National Mortgage Loan Originator Test.
Mortgage Loan Originator Continuing Education
Protecting Borrowers Through Compliant Origination (8hrs)
$139 for video
$129 for online self-paced
$187 for Live Webinar
$30 additional NMLS Credit Banking Fee
Program Objective: This mortgage continuing education course is NMLS-approved for the eight hours of
continuing education required for mortgage loan originators to renew their mortgage license.
Late CE: Maintaining Mortgage Industry Awareness (8hrs)
$193 for online self-paced
$30 additional NMLS Credit Banking Fee
Program Objective: This self-paced course is NMLS-approved for eight hours of continuing education
required for mortgage loan originators and is intended to satisfy CE requirements for the last year a
mortgage loan originator held an active license.
Mortgage Loan Originator Exam Preparation
Mortgage Exam Prep Suite-Platinum
$199 for online self-paced
Program Objective: This online Exam Prep Suite includes Prep xL Personalized Learning, a
sophisticated mortgage exam prep tool for anyone that is preparing to take their mortgage license exam.
NOTE: This is not an NMLS credited course and will not satisfy the pre-license education requirements.
Mortgage Loan Originator Professional Development
Program Objective: Fast-track your TX-SML mortgage broker career path with online professional
development courses for mortgage loan originators. Choose from a broad selection of interactive courses
designed to help mortgage loan officers grow their knowledge and skill sets to thrive in their mortgage
- If a student officially notifies OnCourse Learning via email of their withdrawal before their
program begins, the student is eligible for a full refund.
- If a student officially notifies OnCourse Learning via email of their withdrawal after instruction
begins, and before completion of 50 percent of the contracted instruction program, the
student shall be eligible for prorate refund. If withdrawal or termination occurs after
completion of 50 percent or more of program, the student shall not be entitled to any refund.
- If OnCourse Learning closes or discontinues any program, each currently enrolled student
will be refunded monies paid by the student for tuition and NMLS Credit Banking Fee
- The date of withdrawal or termination is the date that the student has begun the official
withdrawal process. A refund due to a student shall be paid within 30 days of the date of
- In order to officially request a refund/withdraw enrollment, student must notify OCL via email
at email@example.com if they are withdrawing from the course. Refunds will be
processed within thirty (30) days after request.
Attendence and Grading Policy
In order to get credit for our courses, you must complete 100% of the course (a 100% attendance
We do offer course extensions for missed time when a student hardship has occurred. OnCourse
Learning will allow one session change for medical emergencies.
Students must take and pass with a score of at least 70%, a final exam based on the information
presented throughout the course. The final exam will not become available until all required
assignments have been graded and approved by the instructor.
Students must successfully complete all required reading, course assignments, quizzes, and the
final exam in order for course credit and a completion certificate to be issued. If the final
assessment is not passed on the first attempt, additional attempts will be permitted.
Completion certificates/transcripts will be distributed through the student’s profile once course
completion and attendance has been evaluated and verified by the Compliance Department.
Due to the nature of our enrollment period, a leave of absence does not necessarily apply
In live classroom education, the student must present their photo-ID to verify their identity.
Students must sign in on a roster at the beginning of class and at the end of class to show they
attended the full day(s). If a student is tardy, they will be directed to re-schedule to another day
or to an online class.
OnCourse Learning’s distance education is an innovative approach that is entirely user-driven
with a platform that allows learners to progress at their own pace.
All distance education is timed. Students are required to spend no less than the minimum time
indicated on each page of instruction. Students will not be permitted to move forward to the next
page before this timing requirement is met.
Each module consists of one to three quizzes presented in open review format and scored
format. You must pass all module quizzes in scored format with a minimum of 70% prior to the
next module becoming available. Your instructor will post assignments throughout the course on
the specific day noted in the course schedule presented on your course homepage that you are
required to complete. Your instructor will post feedback on your assignment typically within one
business day. You will receive a notification if your assignment is accepted or rejected. You can
access the instructor feedback by returning to the assignment in the Table of Contents of your
course. You may progress to the next activity once your assignment is submitted; however, if
your assignment is rejected you must resubmit the assignment to progress further in your course
and all assignments must be satisfactorily accepted to successfully complete the course and
have your course reported to NMLS. Your instructor will post discussion forum assignments throughout the course. You will be required to post relevant and thoughtful comments to the discussion forum in response to the instructor post. Upon completion of all course activities and
satisfying the time requirement, the final examination will become available. The final examination
is only available in scored format and must be passed with a minimum of 70%.
To complete the course and receive your certificate (transcript), you must successfully:
- Complete all instructional lessons and exercises.
- Meet the timing requirement of each lesson.
- Pass a twenty-five (25) question final examination with a 70% or higher – if the exam is
not passed on the first attempt, additional attempts will be permitted.
Student Conduct and Dismissal
Students are expected to act in a manner that will reflect well on themselves, the school, and the
Nationwide Mortgage Licensing System (NMLS) while taking part in online instructor-led courses.
Students should actively participate in the course by using all available methods of
communication with the instructor and fellow students. Although students participate in class
remotely, the online instructor-led format should be treated like a live class in terms of established
start and end dates/times and required activities. Students are expected to respect the rights of
the instructor and fellow students. Students should refrain from using offensive or abusive
language during real-time, online discussions and may not post offensive or abusive comments or
material to class Message Boards. Students must also refrain from introducing any non-course
related content or information to discussions. Participants will be provided with instructor contact
information for questions or comments and are encouraged to discuss non-course topics with
other participants “off-line.”
Even though we are an online only school, the school retains the authority, at its sole discretion,
to impose immediate termination of any student for miss-conduct when the school deems
OnCourse Learning does not discriminate on the basis of race, color, sex, religion, national origin,
disability, or familial status in the establishment of fees, entrance qualifications, or standards for
successful completion of any course.
Student Grievance Policy
OnCourse Learning encourages open and direct communication. If a student has a complaint or
disagreement regarding any course or instructor, she/he should go directly to the instructor
outside of class time to discuss the situation. If this does not result in resolution, the student
should address the issue in writing to the School Director.
Filing a Complaint with the Kentucky Commission on Proprietary Education
To file a complaint with the Kentucky Commission on Proprietary Education, a complaint shall be
inwriting and shall be filed on Form PE-24, Form to File a Complaint, accompanied, if applicable,
by Form PE-25, Authorization for Release of Student Records. The form may be mailed to the
following address: Kentucky Commission on Proprietary Education, 300 Sower Boulevard,
Frankfort, Kentucky 40601. The forms can be found on the website at www.kcpe.ky.gov.
Existence of the Kentucky Student Protection Fund
Pursuant to KRS 165A.450 All licensed schools, resident and
nonresident, shall be required to contribute to a student protection fund. The fund shall be used to reimburse eligible Kentucky students,
to pay off debts, including refunds to students enrolled or on leave of
absence by not being enrolled for one (1) academic year or less from
the school at the time of the closing, incurred due to the closing of a
school, discontinuance of a program, loss of license, or loss of
accreditation by a school or program.
Process for Filing a Claim Against the Kentucky Student
To file a claim against the Kentucky Student Protection Fund, each
person filing must submit a signed and completed Form for Claims
Against the Student Protection Fund, Form PE-38 and provide the
requested information to the following address: Kentucky
Commission on Proprietary Education, 300 Sower Boulevard,
Frankfort, KY 40601. The form can be found on the website at
OnCourse Learning does not provide assistance to students in arranging interviews with potential
employers. Current law prohibits any school from guaranteeing job placement as an inducement
to enroll students.
OnCourse Learning maintains student records for a minimum of 5 years. Students have the right
to access their school records or transcripts. If you would like access to your records, you may
contact our Customer Service department at 800-229-2207 or via email at
firstname.lastname@example.org to request a copy. OnCourse Learning will not release any student’s
record without prior written consent of the student and only in compliance with the Family
Educational Rights and Privacy Act (FERPA).
You can contact Tech Support by calling 800-743-8703 or emailing
email@example.com. The hours of operation are 7:30 AM to 6 PM (CT) Monday
through Friday. Email support is available during normal business hours. Email received after
normal business hours will be answered the next business day. Before you call, please be
prepared to explain your problem in detail and have access to your computer. To effectively
troubleshoot your issue, our technicians will begin by asking you a series of questions regarding
your operating environment. They will need to know what type of computer you are using, the
operating system, and the version number of any associated software. Your calls may be
documented or monitored to help us maintain quality of service standards.
- Internet Access
Please note, in its Functional Specifications for All NMLS Approved Courses, the NMLS includes
the following language regarding mobile devices:
“NMLS approves online courses for consumption on desktop and laptop computers.
NMLS has not established technical requirements for, and has not approved courses for
use on, small hand-held electronic devices such as the iPad, iPhone, tablets, phablets,
smart phones, etc. Courses are not to be marketed that they are approved for taking on
such devices other than a desktop or laptop computer.”
OCL Financial Services LLC makes no representations except as expressly set forth in this catalog, and under no
circumstances does OCL Financial Services LLC make any claim, promise, or guarantee for employment or state
OCL Financial Services LLC reserves the right to change courses, start dates, tuition, and to cancel courses. Any
changes will be made in accordance with the Nationwide Multilicence Licensing System (NMLS) rules and regulations.
The information contained in this catalog is true and correct to the best of OCL Financial Services LLC’s knowledge.