Mortgage MLO Licensing & Renewal
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* 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 Package which includes a TEST REIMBURSEMENT GUARANTEE. Watch 7 hours of Topic specific videos to help you prepare more for the NMLS National Exam. Complete our entire pre-license course and Ultimate Test Prep and if you fail the national exam on your first try we will reimburse you the $110 exam fee.
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.
*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
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How is the Course Structured?
20 Hour Online Course Content Online :
Chapter 1...................................................Becoming an MLOChapter 2..........Learning the Products and the ProgramsChapter 3....................................................Initial ApplicationChapter 4...............................Processing and UnderwritingChapter 5..............................................Closing and FundingChapter 6.......................................................Mortgage EthicsEnd 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:
EMAIL support@mortgageeducators.com with any further questions.