Arizona Pre-license Training and Course Requirements

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Arizona Mortgage License Requirements

Learn about the Arizona mortgage education requirements for mortgage licensing.

In the state of Arizona, mortgage loan originators are required to:

  1. Complete a Criminal Background Check (CBC).
  2. Authorize a credit report through the NMLS that demonstrates financial responsibility.
  3. Fulfill all state and federal education requirements as designated by your state agency.
  4. Take and pass the National Component.
  5. Surety Bond/Recovery Fund: Every mortgage loan originator must be covered under a surety bond or recovery fund.

Arizona NMLS Pre-Licensing Education Requirements:

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This includes:

  • 3 hours of federal law
  • 3 hours of ethics
  • 2 hours of non-traditional mortgage lending training
  • 8 hours of electives
  • 4 hours of Arizona state-specific education

PE education must be completed within 3 years immediately preceding the date of application.

Arizona Continuing Education Requirements:

State-licensed MLOs are required to complete 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:

  • 3 hours of federal law
  • 2 hours of ethics
  • 2 hours of non-traditional mortgage lending
  • 1 hour of Arizona state-specific education

MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.

Arizona Mortgage Licensing:

NMLS Resources: