Frequently Asked Questions
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How long has Ameritrain been in business?
Ameritrain was established in 2002 with the sole purpose of providing quality mortgage education.

If I Google Ameritrain will Ameritrain Mortgage Institute be the only Ameritrain company listed?
No, there is an Ameritrain Inc. with locations in many states that offers computer training. Ameritrain Mortgage Institute specializes in mortgage related education and has no association with this organization.

What course formats does Ameritrain offer?
We offer live, online, and webinar courses, primarily to the residential mortgage industry, to ensure we are able to meet the varied learning styles of our students.

What categories of courses does Ameritrain offer?
Ameritrain offers NMLS-approved live, online, and webinar courses for pre-license education and continuing education. Professional development courses are also offered to enhance the development of mortgage industry professionals.

Besides NMLS courses, what other resources does Ameritrain offer?
Ameritrain offers a wide range of resources to support advanced learning and personal edification of our students and clients. We offer stand-alone tests that simulate the NMLS test format; eBooks with a high level of interactivity; specific state exam prep courses and materials; cram courses that consolidates a comprehensive course content; and summary guides for more complex subjects.

Do I need a special user ID and password?
Ameritrain uses your email address as your username. Your password should be something that you can remember.

What happens if I do not remember my username or my password?
Your username is your email address. If you are unable to remember your email address you may contact our Ameritrain support line at (877) 406-0333 and one of our client services advisers will assist you. If you have forgotten your password, click on the 'Forgot password' link and your password will be sent to the email on record.

What if I make a purchase and I don't receive an email notification?
An email notification is sent automatically once you have completed your purchase. The notification may have gone to your email spam folder. Please review your spam folder. If the notification is not there, then contact us at or call (877) 406-0333 for further assistance.

Do I need special computer technology to view an online course?
If you are using a windows based computer, then you will need Adobe Flash Player to view our courses. You can get a free download from Click on the "Get Adobe Flash Player" button and follow the download instructions. If you are using an Apple based product, then no special software is required.

What if I need to know how an online course works before deciding to purchase?
To learn more about our online courses, go to our home page and take a test drive to view a sample online course.

How are quizzes and tests structured?
Our quizzes and tests simulate the NMLS testing format where one question is available at a time. Correct answers have attached comments to help reinforce your learning. Once a test is completed, it is instantly graded. If organized in defined NMLS-approved testing categories, test results sections are displayed to help student gauge their performance in each testing area. If a student fails a test, it is immediately available for a retake.

Can I retake a quiz or test that I have already passed?
Quizzes are available for viewing after passing; however, tests are not available once you receive a passing score. Each test is available for printing, studying, and reviewing.

Once I have passed an end of course exam or a stand alone test, will I be able to retake it after I have passed it?
Once you have passed a test, it is not available for retake; however, it is available for viewing and printing.

How can I receive a copy of my completion certificate?
After successfully completing a course, you can return to your account to view and/or print your completion certificate.

If I have questions about a course, quiz, or test who do I contact?
Our student advisers and instructors are available to provide support with any questions you may have. Contact your instructor directly for online instructor led courses. For all other course related or general questions, email or call 877-406-0333 for assistance.

If I’m in the middle of an exam and lose my internet connection or my computer freezes or I have to reboot my computer, is my exam saved?
Unfortunately, a test or quiz is saved only when it has been completed. If a test is timed out for inactivity or there is a connection failure, then you will need to retake the test from the beginning.

How do I request a refund?
Please send an email to to request your refund. All refund request must be made in writing.

Do I have to pass a final exam before exiting a NMLS-approved course?
Yes. You will need to pass a final exam before completing an online NMLS course. If you fail the exam, then you will have an opportunity to retake it as many times as needed to achieve a passing score. If you need assistance, please contact us for support.

My course is listed as "NEW". What does that mean?
A new status means that you have not entered the course. Once you enter the course the status will change to active and is available for access.

If I have placed an order for shipping, how can I verify that the order has been shipped? Is there tracking information?
Once your order has been shipped, you will receive an email from , that will contain your tracking/confirmation number. Please log on to to obtain location information.

What happens if my computer freezes in the middle of taking a course?
The course has most likely timed out. NMLS require education providers conform to mandatory time out requirements after a period of inactivity. Another reason could be a lost internet connection. You will need to re-enter the course to continue.

What happens if I walk away from my computer and when I return the course is gone from my computer screen?
The course has most likely timed out. NMLS requires education providers to conform to mandatory time-out requirements after a period of inactivity.

What shipping methods do you use?
All orders are shipped via USPS Priority Mail. Standard shipping time is as follows: 2-3 days in the contiguous United States and 4-5 days in Alaska, Hawaii, Puerto Rico, and other US Territories. For additional shipping options please contact us at 877-406-0333.

What does the expiration date mean in my account?
The expiration date indicates how long the product will be available to the purchaser. However, if a test is purchased the expiration date is subject to the user passing the test. Once the test is passed it is no longer available for access.

What do the terms "completed/fail" and "completed/pass" mean?
"Completed/fail" means that a product has expired and was not passed prior to expiration. "Completed/pass" means that a product has been completed and the user passed the course or test.

What is a product as it relates to the Ameritrain website?
All items are considered products which include, courses, tests, eBooks, and store items.

How does an instructor-led course work?
NMLS requires very specific functionality for instructor-led online courses. These courses require a specified start and end date. The student must participate in a virtual community and meet the time verification and authentication requirements. Students must enter the course within the first three days that the course becomes available or must wait until the next available date. NMLS does not allow a self-paced format for pre-license courses. All online pre-license course formats must be managed by an instructor.

What happens if I fail to complete an online course? Will I lose my money?
If a student fails to complete the course during the allotted time there will be a complimentary reschedule to the next available class of the student's choice. If the student fails to complete the course on the second registration, there will be a 50 percent tuition charged for the third attempt. The fourth attempt will require a full tuition charge.

Do you offer payment plans for your courses?
All course enrollments require prepayment. Payments may be made online or through the assistance of Ameritrain Enrollment Advisors. Payments made by check must be received 5 days prior to the event.

I want to register for a class but I am afraid of my information being shared with a third party.
We do not share your information with any company whose products and services are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond specific authorization. We also may share information about you within our corporate family.

I have completed the Online 20 HR SAFE Comprehensive Course, but would now like to take the Live 20 HR Course. What is the cost, and how do I register?
Students who complete the 20 HR Online SAFE Comprehensive course may audit a LIVE 20 HR SAFE Comprehensive course within 60 days of completion for a charge of $100.00 or the difference between the cost of the two courses, whichever is greater. Please call Ameritrain at 1-877-406-0333 to register to audit a live course in your area.

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