Kentucky MLO Exam Info

Specific Kentucky MLO Exam Content: There is no such thing as a "standard" mortgage loan originator Exam. All states have varied content from each other. This is why we spend so much time preparing the individual content for the Kentucky MLO exam keeping up with the changes as they occur in Kentucky.

MLO Practice Exams are organized into categories: When studying for your Kentucky MLO exam it is important to know your areas of weakness. We have taken the time to divide up the content into categories such as Federal Law, Loan Origination, General Loan knowledge and ethics. Each Category is graded separately to make it easier to identify and focus on your areas of weakness. Also included are master MLO Exams which incorporate all of the different categories into one test to help prepare you for your Kentucky MLO Exam.

Kentucky MLO Exam Questions Questions Are constantly Updated: We constantly update all of our Kentucky practice questions, including our national practice questions, our explanations and answers, and other content. These all unite to give you the most comprehensive and up to date information for your Kentucky MLO Exam.

In the Kentucky , exams, licensing, and continuing education for real estate agents are governed by the Kentucky Real Estate Commission.

There are two basic real estate licenses in Kentucky, a sales associate's license and a broker's license. Generally, a salesperson's license allows the holder to sell real estate only under the auspices of a licensed broker. (Sales associates licenses are generally what people refer to when they say they have a real estate license.)

Sales Associate's License
All applicants must meet the following requirements:

  • 18 years of age.
  • High school diploma or equivalent.
  • Six semester credit hours for an accredited college or university OR 96 classroom hours in approved real estate courses.
  • If licensed in a third state you must include a license certification listing the state(s) along with your application.

Broker's License
All applicants must meet the following requirements:

  • 18 years of age.
  • Must have actively been engaged in the real estate business for at least 20 hours per week for a two year period.
  • High school diploma or equivalent.
  • 12 semester credit hours for an accredited college or university OR 336 classroom hours in approved real estate courses.
  • Criminal background check.
  • If licensed in a third state you must include a license certification listing the state(s) along with your application.

Kentucky has reciprocal agreements with:

  1. Alabama
  2. Arkansas
  3. Colorado
  4. Florida
  5. Georgia
  6. Illinois
  7. Indiana
  8. Iowa
  9. Mississippi
  10. Nebraska
  11. North Carolina
  12. Ohio
  13. Oklahoma
  14. South Carolina
  15. South Dakota
  16. Tennessee
  17. West Virginia

Anyone holding licenses from any of these above states may apply for a reciprocal license, and may be able to forego some classroom work and other requirements.



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