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 personalized needs.
OnCourse Learning is an approved course provider to deliver pre-license education courses for professionals that meet
the requirements of the Nationwide
Mortgage Licensing System (NMLS).
Leadership
Lisa W. Wardell, JD, MBA
Chairman and Chief Executive Officer
Adtalem Global Education
Mehul Patel
Group President, Financial Services
Adtalem Global Education
BA University of Illinois
Administrative Faculty
Allison Selbo
Administrator, Compliance
OnCourse Learning
BA Carrol University
Nafi Gerber
Director of Sales
OnCourse Learning
BA Towson University
OnCourse Instructors
April Brandimarte, Online Mortgage Instructor
NMLS Licensed Loan Officer
Tania Walker, Online Mortgage Instructor
BA, Business
NMLS Licensed Loan Officer
Nancy Ballotta, Online Mortgage Instructor
NMLS Licensed Loan Officer
School Facilities
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.
School Calendar
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.
Admission and Enrollment
Enrollment in OnCourse Learning’s online courses is open to the general public with no
admission fee. Students must be 18 years of age or older. We do not require admission
applications or proof of identification in order to purchase and enroll in courses.
Non-Discrimination Policy
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
policy manual.
Programs Offered
Mortgage Loan Originator Prelicensing
20 Hour OR SAFE Comprehensive Applying Mortgage Knowledge to Exam Preparation
This course is a test-focused mortgage pre-licensing course, organized to review topics
specifically outlined in the National Mortgage Loan Originator Test Content Outline. This course
meets the federal mortgage training requirements found in the SAFE Act and helps to prepare
students for the National Mortgage Loan Originator Test. This MLO pre-licensing online course
also satisfies the required 4 hours of Oregon law. This dynamic prelicense course sets you up for
success as an insurance professional and is designed to ensure you pass the state exam.
OnCourse Learning's Mortgage Prelicensing course is an entry-level, online instructor-led course
designed and approved to meet the 20 hour Pre-licensing education requirement to obtain a
Mortgage Loan Originators license in Oregon through the NMLS. Upon successful completion of
this program the student will receive a completion certificate. The student’s completion record is
also reported electronically to the Nationwide Mortgage Licensing System (NMLS) for licensing
eligibility. The Prelicensing examination is a separate requirement from education and may
actually be taken prior to the education although this is not usually advisable.
Our Mortgage Prelicense course is completed online and includes instructor interaction; therefore
it is not considered a self-paced course. Complete instructions are provided within the course
Syllabus online which detail the pace at which you must proceed through the content. Courses
begin every week (and run for 14 days) but due to regulatory requirements we are not able to
publish a full year’s calendar in advance. You are encouraged to call us or visit our website for
upcoming course dates. The maximum time to complete the Mortgage Program is 12 months
from the date of purchase. The NMLS requires that Online Instructor-Led courses be completed
within session start and end dates (14 days total).
Course Calendar
Our staff is available to answer telephone calls and emails Monday through
Friday from 8:00 AM to 5:00 PM EST. The school will observe the following holidays: New Year’s
Day, Memorial Day, Fourth of July, Labor Day, Veterans Day, Thanksgiving Day, and Christmas
Day.
Course Tuition and Fees
20 Hour OR SAFE Comprehensive Applying Mortgage Knowledge to Exam Preparation Tuition Cost: $349 or discounted quoted price
Registration Fee: $0.00
Books, Supplies, Materials: $0.00 - Printable Online
OnCourse Learning offers several payment options and tuition is required in full prior to the start
of any program. In-house scholarships are not available. Tuition may be paid by check
5
(enrollment would occur upon receipt of your check – we cannot accept checks by phone), Visa,
MasterCard, American Express, or Discover (credit or debit cards can be processed over the
phone or online). OnCourse Learning does not have a fee waiver policy. The tuition includes
online access to all lessons, multimedia reviews, quizzes and final exams. Enrollment into our
Programs is valid for 12 months from the date of purchase. There may be a $50 fee for changing
sessions other than emergencies. After 12 months you may incur additional fees to finish an
incomplete program.
Refund Policy for Arkansas Residents
- If OnCourse Learning closes or discontinues 20 Hour OR SAFE Comprehensive:
Oregon Applying Mortgage Knowledge to Exam Prep, each currently enrolled student
will be refunded monies paid by the student for tuition and monies for which the student
is liable for tuition.
- All fees paid by the student shall be refunded if the student chooses not to enroll in or
withdraws from the school within seven (7) calendar days after having signed the
enrollment agreement.
- If the student chooses not to enroll after the seven (7) day cancellation period, but
before the first day of instruction, OnCourse Learning may retain the application fee,
registration fee, or both.
- The date of withdrawal or termination is the last date of attendance by the student. A
refund due to a student shall be based on the date of withdrawal or termination and
paid within 60 days of the date of withdrawal or termination.
- If, after the seven (7) day cancellation period expires, a student withdraws after
instruction begins, and before completion of 50 percent of the contracted instruction
program, the student shall be charged according to the published class schedule. The
student shall be entitled to a pro rata refund of the tuition when the amount paid exceeds
the charges owed to the school. If withdrawal or termination occurs after completion of
50 percent or more of the program, the student shall be obligated for the tuition charged
for the entire program and shall not be entitled to any refund.
- The term “Pro rata Refund” means a refund of tuition that has been paid for a portion of
the program beyond the last recorded date of attendance.
- OnCourse Learning reserves the right to cancel any live program within seventy-two (72)
hours of the start of the program. An OnCourse Learning representative will make a
reasonable effort to notify students of cancellation via phone or e-mail. Students will then
be eligible for a full refund of the cost of the program or credit toward another program of
equal or lesser value. OnCourse Learning will not be held responsible for any expenses
incurred due to the cancellation of the program. This includes non-refundable flights,
hotels or any other related expenses.
- There is no leave of absence available in this program.
- Students are requested, but not required, to notify the Director or designated school
official if they are withdrawing from the school.
- Refunds are based on the last day of attendance.
Attendance and Grading Policy
In order to get credit for our courses, you must complete 100% of the course (a 100% attendance
rate.)
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 75%, 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
Student Progress
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 75% 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 75%.
Student Conduct and Dismissal
Students are expected to conduct themselves in a professional manner 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 noncourse 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
appropriate.
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 Compliance Coordinator. If the complaint is in
regards to this individual, the student may submit the complaint to the School Director. An
administrator will set up a three-way meeting with the student and instructor within 96 hours of the
written complaint with the intent to facilitate dialogue and resolution. The Director will make a
decision in writing to the student within 72 hours. If a student disagrees with grades, reported
absences, or outstanding assignments, they may submit copies of all tests, assignments, and/or
documentation to be reconsidered. Administration will respond to any such submissions within
one business week. Students aggrieved by an action of the school should attempt to resolve
these problems with appropriate school officials. Should this procedure fail, students may contact
The Higher Education Coordinating Commission 255 Capitol St. NE, Salem, OR 97301. After
consultation with appropriate staff and if the complaint alleges a violation of Oregon Revised
Statutes 345.010 to 345.470 or standards of the Oregon Administrative Rules 715-045-0001
through 715-045-0210, the commission’s executive director will begin the complaint investigation
process as defined in OAR 715-045-0023, Appeals and Complaints.
Placement Assist
The school does not provide assistance or counseling for graduates in arranging interviews with
potential employers. Current law prohibits any school from guaranteeing job placement as an
inducement to enroll students.
The school does not guarantee the transferability of its credits to any other educational institution.
It is solely up to the receiving school to determine whether credits will be accepted.If a student has
a transcript from another school showing completion of required courses and evidence of course
approval by the appropriate regulatory authority, at the discretion of the school, credit may be given
toward a program certificate. Acceptance of credit from another school shall not impact the refund
policy.
Student Files
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 fs@oncourselearning.com
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).
Student Support
Each student receives an orientation document that includes step-by-step instructions on the best
way to proceed through the coursework.
A myriad of resources are available for a student to get help should he or she need it. The
Technical FAQs assist students with computer hardware and software related problems. The
Course FAQs assist students with course content, state licensing and exam related questions.
Should a student not find the answer they need in the online FAQs, the “Contact Us” section goes
on to provide telephone and e-mail access for technical issues, instructor support for content
issues, and customer service support for logistical issues. OnCourse Learning provides 8am to
6pm (PST) phone support at 800-299-2207. OnCourse Learning guarantees less than 24-hour
response to all student inquiries received via e-mail Sunday through Friday. Saturday inquiries
are responded to on Monday mornings (within 48 hours).
Refund Policy For Oregon Residents
- If OnCourse Learning closes or discontinues 20 Hour SAFE Comprehensive: Applying Mortgage Knowledge to Exam Prep, each currently enrolled student will be refunded monies paid by the student for tuition and monies for which the student is liable for tuition.
- All fees paid by the student shall be refunded if the student chooses not to enroll in or withdraws from the school within seven (7) calendar days after having signed the enrollment agreement.
- If the student chooses not to enroll after the seven (7) day cancellation period, but before the first day of instruction, OnCourse Learning may retain the application fee, registration fee, or both.
- The date of withdrawal or termination is the last date of attendance by the student. A refund due to a student shall be based on the date of withdrawal or termination and paid within 60 days of the date of withdrawal or termination.
- If, after the seven (7) day cancellation period expires, a student withdraws after instruction begins, and before completion of 50 percent of the contracted instruction program, the student shall be charged according to the published class schedule. The student shall be entitled to a pro rata refund of the tuition when the amount paid exceeds the charges owed to the school. If withdrawal or termination occurs after completion of 50 percent or more of the program, the student shall be obligated for the tuition charged for the entire program and shall not be entitled to any refund.
- The term “Pro rata Refund” means a refund of tuition that has been paid for a portion of the program beyond the last recorded date of attendance.
- OnCourse Learning reserves the right to cancel any live program within seventy-two (72) hours of the start of the program. An OnCourse Learning representative will make a reasonable effort to notify students of cancellation via phone or e-mail. Students will then be eligible for a full refund of the cost of the program or credit toward another program of equal or lesser value. OnCourse Learning will not be held responsible for any expenses incurred due to the cancellation of the program. This includes non-refundable flights, hotels or any other related expenses.
- There is no leave of absence available in this program.
- Students are requested, but not required, to notify the Director or designated school official if they are withdrawing from the school.
- Refunds are based on the last day of attendance.