California - DBO NMLS-Approved Mortgage Continuing Education

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Choose the California Department of Business Oversight (DBO) NMLS-approved mortgage continuing education course that is right for you

Our NMLS-approved California-DBO mortgage loan originator (MLO) CE courses help you stay licensed and compliant and are specifically designed for California-DBO mortgage loan officers.  We offer comprehensive and core courses as video or online self-paced.

7 Hour SAFE Core: Understanding Origination Regulations Video CE

Format | Online Self-Paced

Credit Hours | 7

Category | Continuing Education

SKU | 4303US19150A00

$139.00

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Understanding Origination Regulations provides a review of relevant issues facing mortgage loan originators today, specifically those outlined by NMLS as required topics for continuing education. Students will examine provisions of the TILA-RESPA Integrated Disclosure Rule, including a look at the Loan Estimate and Closing Disclosure, as well as several laws that reinforce ethical obligations of mortgage licensees like Regulation N and the Bank Secrecy Act. Students will also review rules for the origination of FHA and VA loans.

8 Hour CA-DBO SAFE Comprehensive: Maintaining Mortgage Industry Awareness (Online)

Format | Online Self-Paced

Credit Hours | 8

Category | Comprehensive

SKU | 4303CA19000A00

$129.00

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Maintaining Mortgage Industry Awareness provides a review of relevant issues facing mortgage loan originators today, specifically those outlined by NMLS as required topics for continuing education. Students will examine provisions of the Truth-in-Lending Act, the TILA-RESPA Integrated Disclosure Rule, and the Qualified Mortgage Rule, including issues related to considering the triggers, tolerances, and thresholds that enable loan originators to determine when disclosures are due and what information is required. In addition, students will take a look at the Real Estate Settlement Procedures Act, specifically rules related to lead agreements, marketing services agreements, co-marketing, desk licensing agreements, and affiliated business arrangements. Students will also review several nontraditional mortgage products, such as adjustable-rate mortgages and fixed-rate mortgages with terms of 15 and 40 years. Finally, students will review mortgage laws and regulations specific to the state of California. This course is NMLS-approved for eight hours of continuing education required for California mortgage loan originators, as specified by the S.A.F.E. Mortgage Licensing Act and California law. Annual S.A.F.E. Act continuing education requirements for California loan originators include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of California-specific laws and regulations, for a total of eight hours.

1 Hour CA-DBO SAFE: California Mortgage Law Updates (Webinar)

Format | Webinar

Credit Hours | 1

Category | Elective

SKU | 4303CA19500G00

$69.00

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This course will focus on the laws and rules that regulate mortgage loan originators, lenders, and brokers doing business in California. Throughout this course, students will review fictionalized scenarios based on real regulatory decisions made by the Department of Business Oversight in recent months, paired with a discussion of the relevant sections of California law and regulations. In Module 1, students will review standards for obtaining and maintaining a license, recordkeeping and reporting requirements, and limitations on fees and charges. In Module 2, students will look at prohibited conduct for licensees, as well as disciplinary action that may be taken when violations of the law occur. Students will also spend time reviewing the California PACE program.

1 Hour CA-DBO SAFE: California Mortgage Law Updates (Live)

Format | Classroom

Credit Hours | 1

Category | Elective

SKU | 4303CA19500B00

$69.00

More Info

This course will focus on the laws and rules that regulate mortgage loan originators, lenders, and brokers doing business in California. Throughout this course, students will review fictionalized scenarios based on real regulatory decisions made by the Department of Business Oversight in recent months, paired with a discussion of the relevant sections of California law and regulations. In Module 1, students will review standards for obtaining and maintaining a license, recordkeeping and reporting requirements, and limitations on fees and charges. In Module 2, students will look at prohibited conduct for licensees, as well as disciplinary action that may be taken when violations of the law occur. Students will also spend time reviewing the California PACE program.

1 Hour CA-DBO SAFE: California Mortgage Law Updates (Online)

Format | Online Self-Paced

Credit Hours | 1

Category | Elective

SKU | 4303CA19500A00

$39.00

More Info

This course will focus on the laws and rules that regulate mortgage loan originators, lenders, and brokers doing business in California. Throughout this course, students will review fictionalized scenarios based on real regulatory decisions made by the Department of Business Oversight in recent months, paired with a discussion of the relevant sections of California law and regulations. In Module 1, students will review standards for obtaining and maintaining a license, recordkeeping and reporting requirements, and limitations on fees and charges. In Module 2, students will look at prohibited conduct for licensees, as well as disciplinary action that may be taken when violations of the law occur. Students will also spend time reviewing the California PACE program.

 Your Success is Our #1 Priority

OnCourse Learning empowers aspiring mortgage loan originators and seasoned mortgage loan officers to take their learning experience to the next level. Get and maintain your NMLS license with NMLS-approved mortgage pre-licensing, continuing education, and late CE courses, plus exam prep tools to help you pass your NMLS license exam. With over 50 years of experience, we are proud to offer the ultimate learning experience no matter where you are at in your mortgage education journey.

We’ve helped over 300,000 mortgage brokers begin and advance their careers. Get started today!

California Department of Business Oversight (DBO) Mortgage License Requirements

Learn about the California (DBO) mortgage education needs and additional requirements for mortgage licensing.

In the state of California, mortgage loan originators, under the Department of Business Oversight (DBO), 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. All applicants must apply for a license through the NMLS by filing a Form MU4 and receiving a sponsorship by a company holding a valid unique identifier with NMLS and which is licensed by the California Department of Business Oversight (formerly Department of Corporations).
  6. An applicant must demonstrate financial responsibility, character and general fitness such as to command the confidence of the community and to warrant a determination that the mortgage loan originator will operate honestly, fairly and efficiently.
  7. Coverage by a surety bond provided by the mortgage loan originator’s employer.

California (DBO) NLMS 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
  • 10 hours of electives
  • 2 hours of California state-specific education

California (DBO) 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 California 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.

California (DBO) Mortgage Licensing: More Information

California Department of Business Oversight

Phone: 866-275-2677

Email: ASK.DBO@dbo.ca.gov

Website: www.dbo.ca.gov

NMLS Resources:

To view the California (DBO) MLO License Description Page, please click here 
Professional Standards: Mortgage Education – click here 
Professional Standards: Criminal Background Check – click here 
Professional Standards: Credit Report – click here 
Professional Standards: Mortgage Education – click here 
Professional Standards: MLO Testing – click here

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