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NMLS Pre-Licensing Education | MLO Licensing | M.E.C
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How to Get Your New MLO License

Click below to see your State's Educational Requirements! 

*pricing varies by state*

 

    1 hour          2 hours        3 hours         4 hours    

(At checkout, don't forget to enter the coupon code 20HRDEAL to receive a special promotional rate)

MEC's TEST REIMBURSEMENT GUARANTEE includes the TEST PREP PRO study materials with 6 + hours of video instruction by David Luna!  With the purchase of any pre-license bundle, the Test Reimbursement Guarantee may be added for only $85. Complete the entire pre-license course and extended test prep and if you fail the national exam on your first try, we will reimburse you the $85 from the Reimbursement Guarantee. Click Here for more details

  

Want a more interactive experience? 

Click here to sign up for a Live Course!     

 

   

 

FAQ

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..................................Ethics in Mortgage Lending

Chapter 7...........................................Review of Federal Law

Final Exam and Completion Form

 

 

Each chapter has several sections.

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

 

These courses are offered on a 5, 7 or 12 Day Track.

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.

 

 

Click here to purchase your Required Education

 

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

 

 

 

 

 

 

EMAIL support@mortgageeducators.com with any further questions.