DAVID LUNA

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Apply For Your NMLS Account and ID Number

Complete Your NMLS Pre-License Education

Need to Pass the NMLS Mortgage Licensing Test

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (or the SAFE Act) changed the way mortgage loans are processed, including the requirement to register both federally and at the state level through the same registration system, NMLS (or Nationwide Multistate Licensing System), which is fully online.

Therefore, the first step to getting your mortgage loan originator title in Florida is to register with the NMLS by applying online for an account and NMLA ID number. To do so, go to the NMLS website.

With access to the NMLS website, you can obtain and complete your pre-license education. The Florida State Licensing Agency requires 20-hours (18 hours & 2 hours elective) of SAFE pre- licensure education course.

With your pre-license education education complete, you need to schedule an appointment for the National Test Component exam. Find out more on how to take your NMLS licensing test here. Also take a look at the NMLS MLO testing handbook.

Note that you must pass with at least a 75% or greater or you will have to take the exam again. The first time pass rate is above 50% at 58% (according to a statement made by the NMLS). However, although passing is not an easy task, we will help you prepare so you feel confident enough to pass.

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Complete Background Checks and Pay All Fees

Apply for your Florida Mortgage License

Associate Your NMLS Account With Your Employer

To finalize your application, you will need to pay several non-refundable fees, including an application fee, filing fees and a criminal background check (this will also include review of your credit report).

Find out more about how criminal background checks work here.

Once you have passed your NMLS mortgage licensing exam, you need to apply for your Florida MLO license. You can find more information on how to apply here.

Your mortgage license will be pending with the state of Florida until you have employer sponsorship through the bank, credit union, or other company of your choice. This lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.

David Luna

David Luna began in the mortgage industry in 1980. He has served on national and state boards and holds several national and state certifications. He has been a consultant for Fannie Mae, Freddie Mac, and other large national banks. He has been featured in Mortgage Technology Magazine, National Mortgage Professional, MGIC, industry publications, NBC, CBS, and ABC.

David is the President of Mortgage Educators and Compliance, an NMLS-approved education provider. He has served as Commissioner (a Governor appointed mortgage regulator) and in several executive positions for banks, credit unions, mortgage bankers, and brokerages throughout his career, including Mellon Bank of New York, Great Western Bank of California, several Federal Credit Unions as well as Vice President of large publicly traded Mortgage Companies.

Kathy Kemper-Zanck

Kathy has been in the mortgage industry with her first role as a marketing specialist since 2007. She quickly became a Mortgage Loan Officer, and years later she became a Branch manager. She created a nationwide online mortgage school, and she's owned a reverse mortgage company.
Teaching and helping people in and outside of the mortgage industry is Kathy’s passion. Her flair, enthusiasm, humor, personal stories, and wide range of knowledge make her courses fun to be a part of. Kathy maintains her mortgage license and is enjoying her endeavor as a National Instructor with MEC, traveling the NW teaching CE and PE while instructing those that prefer webinar-style learning too.

Jon Wallace

Dr. Jon Wallace is a seasoned professional with over three decades of impactful experience in sales, marketing, broadcasting, and community development. He joined MEC as a national instructor and content creator, drawing from his extensive background in mortgages and teaching. Notable for his contributions to small businesses and customer service excellence, Jon's accolades include recognition by the Radio Advertising Bureau and Bank of America. With a strong foundation built on honesty and efficiency, he earned a Master's Degree in Leadership, showcasing his ability to drive positive cultural change within organizations. His PhD in Industrial and Organizational Psychology, awarded in 2019, delved into the realms of leadership, trust, and socioeconomics' influence on organizational performance. Jon's expertise extends to academia, having taught a diverse range of subjects at institutions like Lake Michigan College and Siena Heights University. Beyond his professional pursuits, Jon's community involvement shines through his commitment to volunteer work, including church, Boy Scouts of America, United Way, and Economic Development.

E.L. Craine

E.L Craine is a hard charging, relentless pursuer of wins. His creativity and developing varying courses of action are what set him apart. He's never wanted to ask the question, why didn’t you? His goal is to always collaborate and elevate those he works with, trains or mentors. He isn't one to back away from a situation, nor panic; He's a solution finder with no restraints.

Humor is E.L.'s weapon of choice, to create an environment of safety and security for those who embrace and trust him with their growth. He enjoys generating a little chaos to arrive at a solution. When most panic, he can smile and generate the best possible outcome. He refuses to shy away from the difficult, forever seeking the win.

Tyna-Minet Anderson

Tyna has been an attorney since 2009 and has practiced exclusively in mortgage compliance since 2012. As a Vice President of Mortgage Educators and Compliance, Tyna brings a wealth of knowledge about both the mortgage industry and its various laws and regulations. She provides guidance on how to navigate the minefield of mortgage laws and regulations safely, how to handle state audits, and provides mock CFPB audits to keep your company compliant.

When not working, Tyna enjoys hiking, traveling, working out, doing yoga, finding a good book to read, and spending as much time as she can with her 3 kids and husband.

Kerry Blackburn

Kerry Blackburn has been a Mortgage Professional since 2000 and is an active licensed Mortgage Broker in the state of Arizona. He has a passion for training individuals in the Mortgage Industry and uses his comical wit, mixed with real-life storytelling examples, to inspire and lift others to become better originators.

He and his beautiful wife have been married for over 40 years, and in that time raised three lovely daughters. In his spare time, he thoroughly enjoys spending time with his grandchildren.

Marve Stockert

Marve Stockert has been a part of the mortgage industry since 1970. He has worn many hats and has held roles in origination, servicing, and in the secondary market. In 1990, He began to teach, mentor, and tutor mortgage loan originators. He was also the executive director of a state mortgage association for 25 years and was awarded the President’s Award by the National Association of Mortgage Bankers in 2006. In his spare time, Marve is an avid golfer.

Christa Nadeau

Christa Nadeau has over 25 years’ experience in the mortgage industry, involving, curriculum development and training for mortgage-oriented classes utilizing extensive classroom experience, and creative sales and marketing techniques. She enjoys bringing her wealth of knowledge to the classroom and sharing with students. She graduated from the University of Colorado with a degree in Biology and Secondary Education and taught high school science and math prior to entering the mortgage industry.

Christa began teaching mortgage pre licensing classes at the onset of the SAFE Act in 2010 and continues to share her knowledge in the classroom. She is currently licensed in thirty-two states and continues to stay relevant to the current mortgage market.

Christa resides in Montana with her husband, Marc, and dog, Roscoe, where they enjoy spending their free time hiking, rafting, camping and skiing. She and her husband have three children attending college in Montana, New York and British Columbia, Canada.