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Maine Pre-License


Get Your Mortgage Loan Originator License in 2024!


Maine Pre-Licensing Education

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Starting at: $349 Now Only $239!

Use Promo Code: 20PEDEAL



Obtaining a mortgage license and becoming a mortgage loan originator involves a simple process in which you will need to complete your state-specific education requirements and take and pass a National exam. Once these two steps have been completed, you're well on your way to becoming a licensed Loan Originator!


How to Get an NMLS Mortgage License in Maine

Follow these six steps to get your mortgage license in Maine:



Step 1


Step 2


Step 3


Obtain Your NMLS Account and ID Number


Take Required Pre-License Classes


Pass Your NMLS Licensing Exam


Your NMLS online account is your hub for your entire licensing process. Set it up on the NMLS website.


You’ll need 20 hours of NMLS-approved instruction before you can apply for your Maine mortgage license and take your exam.


You’ve passed your classes. You understand mortgage lending now. Schedule your NMLS exam. and get ready to ace it.


Step 4


Step 5


Step 6


Pay for Background Screening


Apply for a Maine MLO License


Link Your Office to Your NMLS Account


Pay for your fingerprinting and background checks. We explain more about the screening process here.


You’ve passed your exam? Of course you have! Compile all your documentation from the steps above, and apply for your license.



As soon as you have a job, add your employer sponsorship to your NMLS online account. That will bump your license out of “pending” status to “active.”


Getting Your Mortgage License in Maine

The requirements for earning your license can be daunting, so you need to be determined. Assume you are going to succeed, find your sources of motivation, and hold onto the vision of serving home buyers in your community. 


Your mortgage license in Maine will open a dynamic career for you. One day you’ll be helping a young couple buy their first modest home, another you’ll be financing a mansion. You’ll serve fast-food workers, politicians, pastors, and many others. 


Plus, Mortgage Educators is experienced in helping people like you become an MLO in Maine. We’ll take you through each section of the license education materials until you have your dream career.

Maine Frequently Asked Questions

In an effort to curb the predatory lending practices that led to the demise of the housing and residential mortgage industry in 2008, the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE) was enacted. This opened up a world of opportunity to those driven to attain an MLO license and then work hard to match people with loan products.


Topic Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection 3 Hours
Federal Laws and Regulations 3 Hours
Non-Standard Lending 2 Hours
Undefined Electives 12 Hours
Total 20 Hours

If you complete the required 20 hours of education but do not obtain your license for a 3-year period, you'll need to repeat the coursework. The same applies if you let your license lapse for 3+ years before you want to get back into the industry. Although this hasn't yet been enacted in Maine, be on the look out for when it does.

A “mortgage broker” refers to an individual or an organization that connects consumers with mortgage loans from a variety of companies. Mortgage brokers frequently employ loan officers. In contrast, a loan officer is an employee who regularly works with borrowers and provides loans that are originated by their employer. Brokers and loan officers need different types of licenses.

Earning your mortgage broker license in Maine should be considered an investment well worth your time. Here’s what to expect when it comes to licensing fees in Maine:

NMLS Initial Processing Fee $30
Credit Report $15
FBI Criminal Background Check $36.25
Maine Application Fee $20
Total License Cost $101.25

On an annual basis, Maine MLO license holders must complete 8 total hours of Comprehensive Continuing Education that must cover:

Topic Required Hours
Federal Regulations and Law 3 Hours
Ethics, including consumer protection, fair lending 2 Hours
Non-Traditional mortgage lending 2 Hours
Maine Specific Education 1 Hour

Remember to take into account the “successive years” rule, which prohibits loan officers from taking the same CE course two years in a row. Mortgage Educators changes its continuing education course annually to ensure there are no issues with the successive years rule.
The deadline to complete CE in Maine is December 31st. MLO's in Maine are actually prevented from applying for license renewal until they have completed their CE. Also, you'll have to pay a renewal fee of $20.

Mortgage Educators and Compliance is here to answer any additional questions you may have regarding your Maine mortgage license. For additional questions, feel free to call us at 801-676-2520 or email us at

Maine Mortgage Education Pre-Licensing  Maine NMLS Approved Course Provider