Mortgage MLO Licensing & Renewal
Use coupon code: DECPL
* 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, and over 6 hours of additional video instruction! If you upgrade to the Ultimate Test Prep, it includes our First Time Pass Guarantee! If you do not pass the Safe MLO National Test 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 Safe MLO National Test 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.
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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.
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
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MEC's Course Format
This course is organized into short, 5-minute sections for an efficient and engaging learning experience. Each section includes pre-recorded instructional videos, followed by interactive activities and mini quizzes to reinforce key concepts. Our interactive video presentations make learning more dynamic and effective.
With weekly start dates, you’ll have 24/7 access to your course materials once each chapter is activated in your online account. The course consists of 7 chapters, each taking approximately 2–3 hours to complete. The curriculum is carefully designed to align with the NMLS National Exam content outline, ensuring you’re fully prepared for exam success.
Mortgage MEC NMLS #2161 Online Course Content Online:
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Choose from several convenient start dates each week, with flexible 3-, 5-, or 14-day course tracks. All NMLS-approved, instructor-led online courses are required to be completed within a defined timeframe — from as short as 3 days up to 14 calendar days. Each course track is guided by a live instructor, available to answer your questions via phone, email, or live chat.
Approximately 50% of the NMLS National Exam includes content beyond the required 8 hours of NMLS-mandated “core” topics. Therefore, selecting a comprehensive and well-designed 20-hour NMLS-approved course is critical to effectively prepare for — and pass — the National Exam.
At Mortgage Educators and Compliance, we’ve dedicated our 12 elective hours for 2024 to focus on the 50% of the NMLS National Exam that isn’t covered in the mandatory 8-hour “core” topics. These hours dive deep into mortgage loan origination activities, general mortgage knowledge, and expanded coverage of the most challenging exam section — Federal Laws and Regulations.
To give you the best possible chance of passing the National NMLS Exam with USC, our entire 20-hour course is built around the NMLS National Test Component with Uniform State Content (USC) Outline. Every topic and subtopic from the official outline is addressed in detail in our 20-Hour SAFE Comprehensive Online Instructor-Led (OIL) Course.
Plus, when you enroll in our 20-Hour National SAFE Comprehensive Pre-Licensure Standard Course Bundle, you’ll receive FREE access to our online NMLS National Test Prep, giving you the tools and confidence to succeed on exam day.
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:
EMAIL [email protected] with any further questions.