2021 Continuing Education

   

  

Please note: Continuing Education or Late continuing education courses are only valid in the year purchased.

 

The NMLS requires all licensed MLOs to take a minimum of 8 hours of continuing education each year, as well as any state-required electives. We offer continuing education in a variety of formats for the NMLS renewal process.

 

 

 

 

NMLS-Approved Late Continuing Education

 

 

NMLS-Approved Late Continuing Education

 

 

 

• If CE hour requirements change, the MLO must meet the new requirements after the effective date of the new requirement.

• If an MLO gets their license between November 1st and December 31st, they will not have to complete CE that year.

  

 

NMLS Renewal Process & Mortgage CE Courses

 

1 Hour General Elective:

Chapter 1: Understanding Appraisals

 

7 Hour SAFE CORE: Condo Lending, TILA RESPA Violations, LO Comp, FACTA,BSA/AML and Red Flags:

Chapter 1: TILA & RESPA Violations

Chapter 2: Unfair, Deceptive & Abusive Acts and Practices (UDAAPs)

Chapter 3: FACTA, BSA/AML & Mortgage Fraud

Chapter 4: ECOA, HMDA and Additional Violations

Chapter 5: Condominium Lending

Chapter 6: Industry Update for 2021

End of course assessment

 

 

State Specific Mortgage CE Requirements

Write a paragraph talking about how each state has specific course requirements for their own programs. The entire list of state specific requirements can be found here.

Here’s a helpful table to see how many continuing education hours are required in your state:

 

Just as doctors and lawyers have ongoing medical and legal training, loan officers need to continue taking education courses in order to renew their NMLS licenses. This ensures that mortgage loan originators (MLOs) have the knowledge needed to do their jobs correctly, year in and year out.

 

If you're an MLO wondering when and where to take your next NMLS renewal mortgage CE course, check out our guide below. We'll explain everything you need to know about mortgage CE courses and requirements.

 

NMLS Mortgage CE Course Requirements

 

Every state requires MLOs to complete 8 hours of NMLS-approved online classes before renewing their license each year. To begin this course work, you'll need an NMLS ID Number, which can be confirmed with your provider.

 

The SAFE Act requires MLOs with a state license to complete additional education requirements, including:

 

• 3 hours of federal law and regulation

• 2 hours of ethics

• 2 hours of training on lending standards for non-traditional mortgages

• 1 hour of undefined courses on mortgage origination

 

Many MLOs are unaware of the nuances when it comes to continuing education (CE) rules. Here are some lesser-known policies to be aware of when completing the required NMLS renewal courses:

 

• CE can be completed any time up until the renewal date, meaning MLOs can start working on them as early as January 1st.

• CE must be completed in the same year of licensure, unless federal PE was completed in the same year.

• A late CE is required for an MLO returning to the industry.

 

 

Upcoming Continuing Education Deadlines

 

Each state has different education completion deadlines. Please double check your state's deadlines with the NMLS. Remember the NMLS SMART Deadline to complete your Continuing Education is on Friday, December 11th.

 

Continuing Education Course Access will end on Monday, December 28th. No refunds will be granted to those with unfinished courses due to this deadline.

 

October   Saturday, Oct. 31st Georgia

November   Sunday, Nov. 1st Washington D.C. West Virgina     Monday, Nov. 30th Kentucky South Carolina-DCA

December   Tuesday, Dec. 1st Delaware Idaho Iowa Kansas Vermont     Tuesday, Dec. 15th Utah-DRE Washington

 

 

 

Why MLOs Like Mortgage Educators Online CE Courses

 

Mortgage Educators has been approved with NMLS since 2010, teaching tens of thousands of students nationwide every year. As a leading CE provider, Mortgage Educators offers all CE courses for every state requirement, including late CE for any state. Our seasoned customer support team and CE licensing specialists will ensure you get the right educations for your NMLS renewal needs.

 

 

Flexible and Valuable

 

Our industry-leading pricing means you get an incredible value no matter which course you're taking. We offer a price match guarantee, making us the best option no matter what the competition may offer.

 

When you complete your CE with Mortgage Educators, you can choose the classroom format that works for you, whether it's in person, a live webinar, or an online self-study course. All formats include engaging, relevant content and excellent customer support.

 

Well-Reviewed and Dependable

 

With strong MLO testimonials, high reviews on Trustpilot, and Google reviews, Mortgage Educators is the clear choice for your CE courses. When you have to complete CE courses every year, it's smart to stick with a provider you can rely on. Mortgage Educators stands out as the premier CE provider for our fresh content, high reviews, and expert team. You can even hire our president and mortgage industry expert, David Luna, to come speak at your next event, giving you an entertaining and education way to complete your CE requirements.

 

The Successive Years Rule has led some MLOs to believe the myth that they must take CE from a different provider every year, when really the rule simply states that they cannot take the same course two years in a row. Fortunately, Mortgage Educators writes a brand new course every year, meaning you'll always get the most relevant education, and you'll never have to worry about whether or not you're meeting the Successive Years Rule requirement.

 

What to Look for in an NMLS-Approved CE Provider

 

When choosing a CE provider, it's important to seek out a reputable NMLS-approved company that offers customer support and will give you the best education possible. Choosing an NMLS-approved provider will guarantee a higher standard of education, since these providers must undergo rigid renewal process each year. Here are some other things to look for when choosing a CE provider:

 

Fresh Content

 

Choosing a CE provider with fresh content will ensure you meet the Successive Years Rule and never inadvertently take the same course two years in a row. If a provider offers multiple CE courses, there's no way of knowing when each one was created so their mortgage training may be out-of-date. It's much better to go with a provider that is constantly creating new content to meet new guidelines.

 

Multiple Formats

 

Everyone has their own preferred learning style. While some may flourish with in-person classes, others may want an online course that can be completed on-the-go. Select a CE provider that offers multiple course formats, and you'll be able to learn in the style that works for you and your schedule.

 

Reputation

 

Before choosing a CE provider, make sure you do your research to see what others are saying about them. Do they have good Google and Trustpilot reviews? Do they have positive comments on social media? The best CE providers will have a strong online reputation and a good sampling of customer testimonials.

 

 

Start Your NMLS Renewal Courses Today

 

At Mortgage Educators, we're experts in licensing and education for MLOs. Contact our seasoned professional team to learn more about our CE courses, or to ask any questions you might have about our courses.

 

Need the 4-hour Arizona Responsible Individual course? Click here

 

 

Don’t have your license yet?

 

 

 

Late Continuing Education is required for all MLO's who once had an active license, who want to reactivate their license. Please note that requirements vary by state.

 

We recommend calling the NMLS to see what may be required.

NMLS phone # 855-665-7123

 

* IMPORTANT! Please Consider: *

• States not shown in the Selector do not require more than the 20-hour Pre-Licensing SAFE Comprehensive course.

• This does NOT include the 2-hour or 4-hour general elective pre-licensing courses. 

  • CLICK HERE for the 2-hour general elective pre-licensing course product

  • CLICK HERE for the 4-hour general elective pre-licensing course product

     

NMLS Multi-State Mortgage Licensing

Wondering how to add an NMLS state license? You will actually not get licensed through the NMLS, you will receive your license from your state agency. The NMLS functions as a registry of licensed MLO's and your state agency will report back to the NMLS when you are licensed. The process is simple, but you’ll want to make sure you’ve completed all the prerequisites before you jump into adding your license. This will ensure you don’t waste any time and can add your MLO license for your state successfully on the first attempt.

 

1. First, you will need to have passed the National Exam with Uniform State Content (USC).

 

2. Verify with the NMLS that your 20-hour course credits are valid in the state you are applying to for NMLS state licensing. To do so, please contact the NMLS at 1-855-665-7123.

 

 

 

 Required State-Specific Electives

Use Coupon code ELECTIVE22

 

 No Hours    1 Hour    2 Hours     3 Hours    4+ Hours 

 

 

Use your mouse to hover over any state you want to be licensed in, and you’ll be able to see the requirements for that state. You can also click on the state to be directed to the Mortgage Educators elective pre-license course for the specific state.

Once you have completed the required state elective, you may then proceed with the application process to apply for your license through the NMLS website.

 

How to Add Another License: Additional State

If you want to get a Mortgage Loan Originator state-approved license, you will need to meet the state's NMLS-approved education requirement. Several states have specific elective requirements, so make sure you’re completing the correct state-specific course.

We make it easy for you to determine the elective requirements for any state you want to be licensed. Just check out the color-coded map above for an outline of the education elective requirements for each state. 

 

Additional State Electives Listing

 

Arizona	4 Hour		New Jersey	4 Hour
California-DFPI	2 Hour		New Mexico	3 Hour
Colorado	2 Hour		New York	3 Hour
Connecticut	1 Hour		North Carolina	4 Hour
DC	3 Hour		Ohio	4 Hour
Florida	2 Hour		Oklahoma	1 Hour
Hawaii	3 Hour		Oregon	4 Hour
Idaho	2 Hour		Pennsylvania	3 Hour
Indiana	2 Hour		Rhode Island	3 Hour
Maryland	5 Hour		South Carolina	3 Hour
Massachusetts	3 Hour		Tennessee	2 Hour
Michigan	2 Hour		Texas	3 Hour
Mississippi	4 Hour		Utah	15 Hour
Montana	2 Hour		Vermont	2 Hour
Nebraska	2 Hour		Washington	4 Hour
Nevada	4-10 Hour		West Virginia	4 Hour
New Hampshire	2 Hour		2 Hour General	2 Hour
			4 Hour General	4 Hour

*States not listed do not require additional hours of education.*
 

Trustpilot

Mortgage MLO Licensing & Renewal

 

Use coupon code: MAYPL

 

 

* Adding State Electives may incur additional fees *

Click below to see your State's Educational Requirements! 

 

 

 Required State-Specific Electives

 

 No Hours    1 Hour    2 Hours     3 Hours    4+ Hours 

 

(Mobile devices such as smartphones or tablets are not supported for NMLS-approved courses)

 

 

Want to try our course before buying? Sign up for our free pre-license course demo below!

 

 

 

Make sure to add our new ULTIMATE TEST PREP PACKAGE in the drop down menu above, which includes our more extensive study course with more than 1500 practice questions, over 6 hours of additional video instruction, and our new mobile app MEC Pass+! If you upgrade to the Ultimate Test Prep, it includes our First Time Pass Guarantee! If you do not pass the NMLS National Exam after satisfying the requirements below, $110 or the package purchase price, whichever is less, will be refunded back to you within 45 days of receipt of such request. MEC shall only provide one refund per purchase.
In order to be eligible for a refund you must have:
1. watched all Test Prep Ultimate study videos and have passed all the practice unit
quizzes as well as the final exam (with unlimited retakes) with an 80% or better
score (the “Test Prep”);
2. taken and failed the NMLS National Exam no more than 30 calendar days after
completing the Test Prep; and
3. send a refund request to MEC at [email protected], with a copy of the
test results attached, within 30 days of the failed test.

 

 

  

Want a more interactive experience? Click the button below for our Pre-Licensing Webinars 

 

 

   

 

Call to speak with a Licensing Specialist: (801) 676-2520 

 

How do I become an MLO with an active mortgage license?

 

1. Register with the NMLS. 2. Find an approved provider 3. Complete your state's education requirements. 4. Pass the National Exam. 5. Apply for licensure through the NMLS.

 

What is a Mortgage Loan Originator?

Under the SAFE Act, an MLO is a licensed individual or institution that works with a borrower to complete a mortgage transaction.

 

What is the SAFE Act?

The Secure and Fair Enforcement Act was enacted in 2008. The SAFE Act established standards for MLOs, including mandatory NMLS-approved education and testing. The SAFE Act applies to MLOs in all states, with the exemption of those working under a depository institution.

 

What is the NMLS?

 The Nationwide Multi-State Licensing System and Registry ("NMLS&R") was created as a licensing and registration database for prospective and current licensees. The NMLS database can also assist consumers who are looking to verify licenses of both licensed mortgage loan originators and companies. 

 

 

 
*David Luna, President of MEC*

 

 

What Education do I need for my state?

 

All states require a minimum of 20 Hours of NMLS-approved, pre-license education.

Many states require additional state-specific elective hours. Please reference the NMLS's state-specific education chart to verify your state's requirements.

 

The minimum pre-license education for new mortgage loan originators is outlined in the SAFE Act as follows:

• 3 hours of federal laws and regulations • 3 hours of ethics and fraud • 2 hours of lending standards related to non-traditional mortgage • 12 hours of undefined instruction on mortgage origination products

How is the Course Structured?

        

20 Hour Online Course Content Online :

 

Chapter 1...................................................Becoming an MLO Chapter 2..........Learning the Products and the Programs Chapter 3....................................................Initial Application Chapter 4...............................Processing and Underwriting Chapter 5..............................................Closing and Funding Chapter 6.......................................................Mortgage Ethics End of Course Assessment

 

 

Each chapter has several sections.

Each section includes a five-minute video and a one question quiz to test comprehension.

 

3 Track Options - 5-day Accelerated Track, 10-day Weekend-Friendly Track, or 14-day Extended Track
NMLS courses are not formatted to work properly on mobile devices. .

The courses need to be completed within the designated timeframe.

  

 

What do I need to know to pass the National Exam? 

 

There is plenty to know about to be prepared for the National Exam.

Visit our Test Prep page for more information.

  

MEC offers state-specific bundles to make your educational experience as seamless as possible.  

Select your state/area from the list below:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts

Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico  New York North Carolina North Dakota  Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee

Texas Utah Vermont Virginia Washington  West Virginia Wisconsin  Wyoming Territories/Districts: District Of Columbia Puerto Rico  U.S Virgin Islands General Courses: 2-hour General 4-hour General Special Courses: 40-hour UT DRE PLM Course

 

EMAIL [email protected] with any further questions.

 

Live NMLS Continuing Education Online Webinars With Mortgage Educators

In order to retain your loan originator license, you are required to complete 8 hours of NMLS certified mortgage education each year. Why not complete that mortgage continuing education online, from the comfort of your own home? Our live webinar courses are designed to satisfy the NMLS requirements in one convenient, engaging webinar. Best of all, our live webinar courses are led by instructors with decades of experience in loan origination. Make the most of completing your continuing education requirements with Mortgage Educators & Compliance.

 

Live Webinar Mortgage Continuing Education Classes - What To Expect

Our live courses are available for either national 8-hour requirements or state-specific continuing education. There will be an instructor administering the live webinar, who you can contact directly during the webinar. Active participation and completion of the mortgage continuing education online webinar is required of each participant. Each live webinar will be completed in a single day, and all hours of completed education will be reported to the NMLS by Mortgage Educators & Compliance. To reserve your spot in the appropriate webinar, select from one of the pre-scheduled live webinars shown below or contact one of our licensing specialists today!

 

8 Hr. Mortgage Continuing Education Online Live Webinars

All webinars start at 8 AM Pactific/11 AM Eastern

 

No Courses Currently Available

 

Live State Specific NMLS Continuing Education Online Webinars

Some states require additional hours of education, beyond the national mortgage continuing education requirements. These additional hours of required mortgage education courses vary per state. To find out if your state requires additional continuing education, refer to our CE by state page. To schedule your state specific live webinar, choose from one of the mortgage continuing education classes listed below! Starting times vary per webinar.

 

No Courses Currently Available

 

Strengthen Your Loan Origination Knowledge - FREE Webinars

Unfortunately, we are not offering any free continuing education webinars at this time. Free webinars are provided to help professionals in the loan origination industry with insights and current industry knowledge. Check back soon to see when our next free mortgage webinar will be held!

 For additional information, or to schedule your webinar course, call one of our licensing specialists today at Call (801) 403-1428