100+ Free VA MLO Practice Questions
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Key Facts: VA MLO Exam
75%
Passing Score
NMLS
55 Q
State Exam Questions
NMLS UST
20 hrs
Pre-License Education
Virginia Bureau of Financial Institutions
$25,000
Surety Bond
Virginia
The Virginia MLO state exam covers Virginia-specific mortgage laws administered by the Bureau of Financial Institutions under the State Corporation Commission. Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in Virginia. Virginia is a non-judicial foreclosure state using deeds of trust, and the state requires a $25,000 surety bond for MLO licensees. Virginia's Mortgage Lender and Broker Act establishes the regulatory framework for mortgage lending.
About the VA MLO Exam
The Virginia MLO state exam tests knowledge of Virginia-specific mortgage laws, licensing requirements, and consumer protection regulations. This exam is taken alongside the national NMLS SAFE exam component.
Questions
55 scored questions
Time Limit
1 hour 30 minutes
Passing Score
75%
Exam Fee
$110 (Virginia Bureau of Financial Institutions (SCC))
VA MLO Exam Content Outline
Virginia Licensing Requirements
State-specific education, renewal, and licensing requirements
Virginia Mortgage Law
State mortgage statutes, usury laws, and lending regulations
Consumer Protection
State disclosure requirements, borrower rights, fair lending
Regulatory Authority
Bureau of Financial Institutions (SCC) oversight, enforcement, and compliance
Foreclosure Procedures
Virginia non-judicial deed of trust foreclosure process and timelines
How to Pass the VA MLO Exam
What You Need to Know
- Passing score: 75%
- Exam length: 55 questions
- Time limit: 1 hour 30 minutes
- Exam fee: $110
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
VA MLO Study Tips from Top Performers
Frequently Asked Questions
What is the Virginia MLO exam?
The Virginia MLO exam is the state-specific component of the NMLS licensing test. It covers Virginia mortgage laws, licensing requirements administered by the Virginia Bureau of Financial Institutions (SCC), and state consumer protection regulations. You must pass both this state exam and the national SAFE exam to originate mortgages in Virginia.
How many questions are on the Virginia MLO state exam?
The Virginia MLO state exam has 55 questions with a 1 hour 30 minute time limit. You need 75% (approximately 41 correct) to pass. Administered through NMLS at Prometric testing centers.
What Virginia-specific topics should I study?
Focus on Virginia's non-judicial foreclosure through deeds of trust, the Mortgage Lender and Broker Act, the Bureau of Financial Institutions' regulatory authority, Virginia's consumer protection provisions, the $25,000 surety bond requirement, and trust account regulations.
What are the Virginia MLO license requirements?
Virginia requires 20 hours of NMLS-approved pre-license education, passing both national and state exams, FBI background check, a $25,000 surety bond, and NMLS registration. Virginia follows the federal 20-hour minimum without additional state-specific education hours.