Performance Programs Company's Essentials of Mortgage Loan Origination (EMLO) contains the essential national content required for aspiring mortgage loan originators preparing to meet the standards of the 20-hour SAFE Act NMLS prelicense course. This textbook is tailored to the needs of prelicense students entering the mortgage industry as licensed professionals.
This text is designed to:

EMLO is streamlined, direct, and to the point. It includes multiple learning reinforcements and a student-centered organization both within and across chapters. Its examples, explanations, and exercises are grounded in the authors' many years of experience in real estate and mortgage education.
Whether you are new to the industry or transitioning from a related field, EMLO is built to guide you through the foundational knowledge and practices needed to pass your NMLS licensing exam and begin your career as a mortgage loan originator.
For students looking for a study guide to pass the NMLS SAFE MLO licensing exam, we also publish Mortgage Loan Originator License Exam Prep.