Lesson Five – Registering for the Test

In this lesson, we will cover the steps to register on the NMLS site for the test.

We begin at the NMLS site which is mortgage.nationwidelicensingsystem.org.  Here you will navigate to the UST Implementation Information page.

At the NMLS site you can view information on test content including:

  • Resources Available on NMLS Site
  • May Access Test Content Outlines
  • May NOT Access Test Content
  • NMLS Site Resources Provide Access to:
    • Accessing Test Content Outlines – What Topics will be covered on the Test
    • Registering and Paying for the Test
    • Making an Appointment to take the Test
    • Find out about Test grade
  • There are NO Resources at NMLS to help you Prepare for the Test!!

You will register to take the test on the NMLS site.  The site provides step-by-step instructions including how to pay for your test and accept the candidate agreement.  To enroll for a test, you must first establish an account in NMLS.  Follow the instructions to enroll for your test

You do not have to complete your pre-licensure education prior to register for or take the test.  You must however; have an NMLS unique identifier number before you can enroll to take the test.   You must register and pay for the test before you can schedule an appointment for the test.

Once you have registered on the NMLS and obtained your NMLS unique ID you can proceed to scheduling the test.  All tests are taken live.  You can select a test center in your location.

The NMLS provide some resources on the NMLS site that details the test content, and a testing handbook.  These resources are helpful but will not prepare you completely to take the exam.  You will want to be sure to study and prepare for the tests.

There are over 500 testing centers across the country so you can find a test center in your area.   You can schedule for your test online or by phone.

All tests are available at all test centers.  This means; for example that you may take the Arizona test at a Pennsylvania testing center.

If something comes up and you need to reschedule your test you must contact the testing center directly to cancel and reschedule your test.  Tests must be rescheduled no later than 12 pm local time two business days prior to your testing appointment.

This is an example of what a testing center looks like.  The testing center will have a computer for you to complete the test.

Plan on arriving at least 30 minutes prior to your scheduled test time.  You must bring your current, government-issued ID with your photo and signature.  You will be photographed, and you may be able to provide your finger or palm print, depending on the test center.  You cannot bring anything into the testing center.  All belongings, including your cell phone will be placed in a secured locker.  You will be provided with a basic calculator and scratch paper.  You must agree to the rules of conduct prior to being granted access to the test.

So, what is the actual test like?  What is the computer test functionality?  Is it simple to use? How does it work?  It is very normal to have questions about the test.

The test is completed on a computer in the test center.  Tutorials will walk you through step-by-step test functionality.  There are some important features you need to know about.  First, you can toggle back and forth between test questions.  So, you can jump forward to another question if you don’t know the answer and then later go back to it.  You can do this by marking the question for review.  You can also go back and change an answer if you have already answered it.  Once you complete the test and it is scored, you cannot change your answer.

After you have completed your test and your test score is calculated, you will be given an option to complete an exit survey.  The survey is optional.

At the end of the test session you will be able to see your test score on your computer screen.  You will also receive a paper copy of your score report.  These scores will be communicated with the NMLS so you do not need to do anything to inform the NMLS of your score.  It usually takes about 48 hours for your test score to be reported by the test center to the NMLS.

Within 48 hours you will receive an email from the NMLS informing you of your official score.

What happens if you do not pass the test?  You can reschedule to complete the test, but you must wait 30 days before you can retake the test.  This means that you can schedule an appointment but you cannot retake the test until after the 30 day waiting period.  After the fourth failed attempt of the test, you must wait 180 days before you can take the test again.

You will not be informed of which questions you missed, but you will be able to see how your scored in each area of the test.

The SAFE Act requires a waiting period between retakes of the test if you do not pass the test.  This means that if you take the test the first time and fail, you must wait 30 days before you can retake the test.  If you do not pass the test on your second attempt you must wait another 30 days.  If you do not pass the test on the 3rd attempt, then you must wait 180 days.