Lock AI your AI study assistant
Study with Lock: your AI tutor for the SAFE MLO exam
Lock explains any answer you pick, walks you through calculations step by step, builds your study plan and quizzes your weak spots.
Ask Lock about the SAFE MLO Test AI your AI study assistant
See what's on the SAFE MLO Test exam, test yourself with 5 quick questions, or find the plan that fits you.
A home sells for $300,000 and appraises at $290,000. The buyer borrows $261,000. What LTV does the lender use?
- You: The house sells for $300,000 but appraises at $290,000. Which number do I divide the loan by for loan-to-value?
Lock
Use the lower of the two. On a purchase, loan-to-value is figured on the sales price or the appraised value, whichever is less, so here it's $290,000. A $261,000 loan is 261,000 / 290,000 = 90%.
Key point
Purchase LTV: loan amount over whichever is smaller, sales price or appraisal.
- Walk me through it
- Quiz me on my weak spots
- Am I ready?
An original example, not an exam question.
Ask Lock: Explains your misses, answers from this course, and builds practice from your weak spots.
What Lock can do
- Explain any question you answered
- Show your weakest topics
- Build a study plan to your exam date
- Quiz you on your weak spots
What Lock can't do
- Help during a timed test
- See the questions on your actual exam
- Promise a pass or a score
It can be wrong, so check the lesson or reference it points to.
Try asking
- “Why is my answer wrong?”
- “What are my weakest topics?”
- “Build my study plan”
- “Quiz me on my weak spots”
Try one question
Question 1 of the free 10-question check on SAFE MLO Test. No signup. Then ask Lock, the AI study assistant, why the answer is right and the others are wrong.
General Mortgage Knowledge
What is the longest loan term a general qualified mortgage may have under Regulation Z?
Press A-D or 1-4 to choose an answer while this question is on screen.
Choose an answer to begin
- Never shows the answer before you answer
- Explains in plain words and points you to the reference, never quoting code text
- Up to 40 messages a day in the course
- Built on our own original practice questions
What Lock does
A tutor for every step of your prep
Free on the check and guides
Know the why behind your answers
Answer a question, then ask Lock why: why the right answer works, why the others fall short, and where to look it up. In the course, Save to My notes keeps the best replies.
Free, and with the courseExplain results and guides
Tap Explain this result on a free calculator for each step worked out, or ask about any section of a guide.
FreeAm I ready?
Try a 5-question quick check, see what's on the exam and find the plan that fits you. In the course, ask for a summary of where your practice stands.
Free, and with the course
In the course
Get walked through it, step by step
Tap Walk me through it or Show a worked example on any practice question, calculations included.
With the courseYour weeks, planned for you
My study plan turns your exam date and weak areas into a week-by-week course with today's set ready. Lose a week and Lock re-plans it.
With the courseDrill your weak spots
A quiz drawn from your weakest topics, unseen questions first, with spaced review that brings missed ones back on later days.
With the courseSee your mistake patterns
After 30 answers, Lock shows the patterns in your misses and a practice set for each one.
With the courseAn exam-week coach
A day-by-day plan for your last 7 days.
With the course
How it works
Three steps to studying smarter
Take the free check
10 untimed questions on SAFE MLO exam topics, scored as you go.
Ask why on any answer
Lock explains the right answer, why the others fall short and where to look it up.
Get the course, and Lock plans your weeks
A week-by-week course from your exam date and weak areas, and up to 40 messages a day.
Terms and refunds · Secure checkout by Stripe · Billed by Nori Software
Free vs course
Start free. Get more from the course.
Free
- Ask why on the free check: 3 asks per check, 10 more with your email
- Ask why in your practice test review
- What's on the exam, a 5-question quick check and the plan that fits you
- Explain this result on the free calculators, and ask about any section of a guide
With the course
- Up to 40 messages a day
- The why behind every answer
- A week-by-week plan from your exam date and weak areas
- Step-by-step walk-throughs
- A weak-spot quiz
- Your mistake patterns
- A plan for your last 7 days
Terms and refunds · Secure checkout by Stripe · Billed by Nori Software
Questions
About Lock
Is Lock AI?
Yes. Lock is an AI study assistant, not a person or an instructor. Check important details against your lessons and references.
Does Lock give me the answers?
Only after you answer. Lock explains the answer you picked and the right one, and stays off during timed tests.
How much can I ask?
On the free check, 3 asks per check and 10 more with your email. With the course, up to 40 messages a day.
Does Lock replace my code book?
No. Lock never quotes code-book text. Bring your own licensed copy of any reference your exam allows.
What does it cost to try Lock?
Nothing for the free check: no card needed. Take the free 10-question check and ask why 3 times, with 10 more when you add your email.
Try Lock on the free check
10 questions, 3 free asks, and 10 more with your email.