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Mortgage Educators and Compliance

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Get Your Mortgage Loan Originator License in 2023!



New Hampshire Bundle

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Starting at: $399 Now Only $259!

Use Promo Code: NHPE259



Licensed in another state and want to add New Hampshire?

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Now Only $49.98!

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Obtaining a mortgage license and becoming a New Hampshire loan officer is very simple, but it’s not for everyone. It takes a willingness to learn the basic ins and outs of the industry as well as a desire to work hard. The mortgage industry is a great one to get into and it provides a lot of flexibility. If you like to work hard, you are a people person, and you have a desire to learn, becoming a mortgage loan officer is the perfect choice for you.


How to Get an NMLS Mortgage License in New Hampshire

Ready to be a mortgage loan originator (MLO)? Most people who buy houses need mortgages, so this job is certainly in demand. The process is not too difficult, but you do need to meet state requirements and make sure you have a solid understanding of the ins and outs of the mortgage industry. Read on to learn more about the process of getting your mortgage license in New Hampshire.



Step 1


Step 2


Step 3


Apply for Your NMLS Account and ID Number


Complete Your NMLS Pre-License Education


Pass the NMLS Mortgage Licensing Exam


The NMLS Resource Center is your one-stop-shop for MLO licensing. Start by creating an account and getting your ID number.


To be licensed as an MLO in New Hampshire, you are required to complete 22 hours of NMLS-approved education. This is broken down into 20 hours of instruction, with an additional two hours spent on a law course specific to New Hampshire.


One of the most important mortgage license requirements in New Hampshire is to pass the NMLS mortgage licensing exam. Once you finish your education requirements, you qualify to take the exam. this page offers a lot of information about taking your test. Once you’re ready, you can schedule your MLO exam.


Step 4


Step 5


Step 6


Complete Background Checks


Apply for Your New Hampshire Mortgage License


Associate Your NMLS Account with Your Employer


Once you receive a passing score on the NMLS mortgage exam (75% or higher), you can then apply for your NMLS license. This involves a background check and getting your fingerprints done. This page explains the process in more detail.


Once you have completed the background check and submitted fingerprints, you can submit your application to receive a mortgage license in New Hampshire. You’ll need to complete various forms and pay the required fees. Use this handy checklist to make sure you have completed all the mortgage license requirements for New Hampshire.



To be an MLO in New Hampshire, you need to have an employer sponsorship. Before your mortgage license can be approved, the government needs to know that an employer is supervising your license. You’ll need to grant access to the company so they can verify your status. This can be done online through the NMLS Resource Center. These instructions outline the process.



Why You Should Get Your Mortgage License in New Hampshire

Being an MLO in New Hampshire can be an exciting career. You’ll get to help families realize their dream of homeownership. It’s a rewarding job that comes with a lot of perks, such as flexibility and an improved work-life balance.


Being an MLO opens the door to a lot of opportunities. You get excellent job security, and it’s a valuable license to have if you’re already a real estate professional. The salary is great as well and can exceed six figures.



New Hampshire Mortgage License Education Requirements

The mortgage license requirements in New Hampshire include 20 hours of education. This consists of the following:


  • 3 hours of federal law

  • 3 hours of ethics

  • 2 hours of non-traditional mortgage lending

  • 10 hours of electives

  • 2 hours of law education specific to New Hampshire


Mortgage Educators and Compliance offers a bundle that includes all these courses for a low price.



What's the Difference Between a New Hampshire Mortgage Broker License and a New Hampshire Loan Officer License?

You may think the terms mortgage broker and loan officer are interchangeable, but they’re not. Both are licensed as MLOs, but their job descriptions are slightly different.


A mortgage broker originates mortgage loans and acts as a type of mortgage business. On the other hand, a loan officer is a salesperson who can help you choose the mortgage for your needs. A loan officer may also work for a mortgage broker.


The main difference between these two positions is that a loan officer only offers mortgage options from the financial institution they work for. A mortgage broker works with a number of mortgage lenders to shop around and find the best loan.


Cost of Getting Your Mortgage License in New Hampshire

To get your mortgage license in New Hampshire, you’ll need to pay the associated fees. These include the following:


- Testing: $110

- Initial setup fee: $30

- Annual processing fee: $30

- Criminal background check: $36.25

- Credit report: $15



PE Expiration Policy in New Hampshire


There are situations in which individuals complete the pre-licensure education but do not acquire a license within a certain amount of time, or they leave the industry for a while and are not current on their continuing education.


Under the NMLS Policy Committee, a person is required to retake 20 hours of pre-licensure education to maintain their licensure as an MLO in New Hampshire if they fail to acquire their license within three years of registration.


New Hampshire Continuing Education Requirements


To maintain your mortgage license in New Hampshire, the SAFE Act mandates that MLOs complete eight hours of continuing education every year. The eight hours include the following:


  • 3 hours of federal law and regulations

  • 2 hours of ethics, including fraud and fair lending

  • 2 hours of instruction covering the nontraditional mortgage marketplace

  • 1 hour of instruction on mortgage origination



Become an MLO in New Hampshire

Mortgage Educators and Compliance can help you understand the mortgage license requirements in New Hampshire so you can get started on the path toward a rewarding career. Contact us today to learn more about our offerings or purchase a course bundle.





Additional Questions?

Mortgage Educators and Compliance is here to answer any additional questions that you may have in regards to your New Hampshire mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at





New Hampshire Mortgage Education Pre-Licensing