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florida mortgage loan originator license


Get Your Mortgage Loan Originator License in 2021!



Florida Pre-Licensing Bundle

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Starting at: $399 Now Only $239!

Use Promo Code: FLPEDEAL



Add Florida Elective

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Now Only $39.98!

Use Promo Code: FLPE39




A mortgage license in Florida could be the foundation to the flexible, lively, and engaging career you’re seeking. However, getting licensed is hard work, and requires dedication and a willingness to learn. Our goal is to make obtaining your mortgage license as convenient, and simple as possible. Our mortgage license course bundles satisfy all of Florida’s required education credits and include a test prep course to help you pass the national NMLS license exam. So, if you are social, diligent, and dedicated to learning, obtaining your Florida mortgage license may be a perfect choice.


How to Get Your MLO Mortgage License in Florida


1. Apply for your NMLS Account and ID Number

The first step to getting your Florida mortgage license is applying for an NMLS account and ID number. To do so, go to the NMLS website.


2. Complete your NMLS Pre-License Education

Florida requires new state-licensed MLOs to complete 20 hours of NMLS-approved education. This includes 3 hours of Federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 10 hours of electives, and 2 hours of Florida specific law.


3. Pass the NMLS Mortgage Licensing Exam

With your education complete, you need to schedule an appointment for the National Test Component exam. Find out more on how to take your NMLS exam here.


4. Complete Background Checks and Pay All Fees

To finalize your application and receive your license, you’ll need to pay several non-refundable fees and get a background check. Find out more about how to complete your background check and fingerprints here.


5. Apply for your Florida Mortgage License

After receiving a passing score on your NMLS mortgage exam, you need to apply for your NMLS license. You can find more information on this step here.


6. Associate your NMLS Account with your Employer

You won’t be fully licensed in Florida until you have an employer sponsorship, which lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.


Frequently Asked Questions


Florida Mortgage Licensing Requirements

Florida requires 20 hours of NMLS approved mortgage education, 2 hours of which must be a Florida state law and rules course. Mortgage Educators & Compliance offers both an 18 hour national course and the 2 hour state specific course in a low price bundle now only $239. This bundle also includes a comprehensive test prep package to help you score well on the NMLS National Test with UST component.


Pre-license mortgage education requirements can be fulfilled in one of three ways; with an online instructor-led course, via a live webinar, or in a live classroom. Mortgage Educators provides these courses in all three available formats. We find that the majority of new loan officers elect for the flexible Online Instructor-Led (OIL) format, which consists of pre-recorded video lectures supported by slideshow presentations, and quizzes that ensure content retention. As you complete your mortgage education, we will report all completed hours of education to the NMLS.


Florida Mortgage Broker License VS. Florida Loan Officer License

Mortgage broker licenses are commonly confused with the more common loan officer license. While the terms mortgage broker, loan officer, and mortgage loan originator are similar, they aren’t synonymous. So what’s the difference?


Generally speaking, a mortgage broker is a company that employs mortgage loan officers. The loan officers are employed by the broker to originate loans for home-buyers when they are looking for a loan for their mortgage.


PE Expiration Policy in Florida

PE Expiration is a policy that was created by the NMLS Policy Committee that addresses situations in which an individual is required to retake 20 hours of pre-licensure education if they fail to acquire a valid mortgage license within three years from the last date of licensure as a mortgage loan originator. Florida is currently in pending enactment for the PE Expiration policy which means the policy is currently not enforced, but it will be rolled out soon.


Cost of Getting Your License in Florida

When you’re ready to get your NMLS license in Florida, be prepared to pay the following fees:


$195 - Application Fee

$30 - NMLS Processing Fee

$15 - Credit Report

$36.25 - Federal Background Check

$24 - State Background Check




Additional Questions?

Mortgage Educators and Compliance is here to answer any additional questions that you may have in regards to your Florida mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at





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