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Courses /New License

Everything you need to get your NMLS license

Expert-led mortgage pre-licensing education (PE) to help you get a mortgage loan originator NMLS license in any state.

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NMLS-approved continuing education for mortgage loan officers (MLO)

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NMLS-approved pre-licensing courses

Multiple course formats available

All courses meet minimum SAFE Act requirements

20 hour mortgage new license courses

If you are not licensed in any state, you are required to take a 20 hour course that meets SAFE Act pre-license education requirements for new mortgage loan officers, plus any state-specific requirements. We offer a 7-day and 14-day online course and a 3-day webinar.

7-day online SAFE course

5-6 hour time commitment per day

Online-self paced format

Video format also available

Register now

14-day online SAFE course

2-3 hour time commitment per day

Online-self paced format

Video format also available

Register now

3-day SAFE webinar

Fast-paced webinar

Presented by a live instructor

eBook included

Register now
NMLS-approved new license training for mortgage loan officers

Available course formats

Absorb concepts faster by choosing a format that best suits your learning style.

Online instructor-led (or OIL)

The online instructor-led format is an online course with a scheduled start and end date, which is the window of time you have to work through the course at your own pace. We offer a text format and a video format. Choose to read through course content (OIL) or watch as an instructor walks through course content (OIL Video). Learn more

Online self-paced (or OSP)

This is a true self-paced course format with no start and end date. You will work through a text-based course independently and learn at your own pace without help from an instructor. The OSP format is available for state elective courses only. Learn more

Webinar

Our fast-paced webinars are taught by live instructors. You will have the chance to interact and ask questions.

Live class

Our in-person classes accommodate up to 50 students and are taught by our expert mortgage instructors. In-person classes are not currently offered, but we hope to offer them again soon.

Not sure what you need?

Try our Smart Search course selector! Select the states you want to get licensed in and we'll show you exactly what courses are required.

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Exam prep solutions to study for the NMLS national exam

1200+ practice questions

8 simulated exams

800+ interactive flashcards

Prepare for the exam with Prep xL

Designed to help you prepare to pass the NMLS mortgage license exam the first time.

Study smarter

Identify your strengths & areas that need improvement with quizzes, tests and more.

Tailored study plans

Get a customized plan tailored to your skillset and your actual exam date.

Personalized analytics

Adaptive learning technology allows for a customized learning experience.

Extended access

Keep your access to Prep xL for a year to ensure you are ready for the exam.

Getting started with pre-licensing

Important things to know about pre-licensing education for MLOs.

MLO license requirements

The NMLS (Nationwide Multistate Licensing System) requires that all MLOs comply with the SAFE Act (The Secure and Fair Enforcement for Mortgage Licensing Act), which requires prospective MLOs to meet national PE requirements on their way towards obtaining a mortgage license. Students are required to:

  • Complete at least 20 hours of NMLS-approved mortgage education
  • Pass the NMLS licensing exam

Take a peek at our step-by-step guide to getting your MLO license.

State-specific licensing requirements

Many states require more hours of state-specific training in addition to the nationally-required 20 hours. Make sure to reference our state requirements dashboard to find your state’s exact requirements.

Finding the right courses

Find the exact courses you need to get your license with our course selector tool, Smart Search. Let us take the hassle out of finding the right courses. Simply select any states you wish to be licensed in and a recommended mix of NMLS-approved new license courses will display based on the state(s) you have selected.

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Common questions

We've got answers to the most commonly asked pre-licensing questions.

Every states requires 20 hours of NMLS-approved pre-licensing education. A handful of states require education specific to the state. To find out how many hours you are required to take of pre-license training, use our Smart Search course selector, which will allow you to enter the states you wish to be licensed in and will show you the exact courses to take to meet the minimum hourly requirements for the states you have chosen.

Our 20 hour SAFE mortgage course consists of five modules that align with the national mortgage loan originator test content outline. The modules are as follows: Federal Laws, Mortgage Knowledge, Origination Activities, Ethics and Uniform State Test Content. For a more in-depth overview of what expect, see our frequently asked questions.

After you have completed your pre-licensing course(s), you’ll need to schedule an appointment to take the national license exam through your NMLS account. All information about this test can be found on the NMLS website.

This is now a good time to explore exam prep tools that can help you prepare for and gain the confidence needed to pass the NMLS exam the first time.

Yes, our most popular tool, Prep xL, is 5-star rated and designed to help you pass the NMLS exam the first time. We recommend working through Prep xL in tandem with your pre-licensing training as it provides tailored study plans and personalized analytics to help you study smarter, not harder. We also offer a webinar that provides the opportunity for students to ask questions and have them answered by industry-experts who have taken the exam. Learn more about our exam prep solutions.

Overview of Prep xL

NMLS is the Nationwide Multistate Licensing System responsible for administering initial MLO license applications and pre-licensing requirements along with the ongoing continuing education requirements needed to maintain mortgage licenses. Each prospective mortgage loan originator must obtain an NMLS number/create an account with the NMLS as a first step towards becoming a mortgage loan originator. Visit the NMLS website to learn more.

Follow this link to create an NMLS number. It only takes a few minutes to register.

Having an NMLS license means that you are a licensed MLO, or Mortgage Loan Originator. As an MLO you are the main point of contact for homebuyers who are looking to obtain a mortgage or who want to refinance an existing mortgage. As a licensed MLO, your job is to educate and guide borrowers through the loan process from application to closing. You present buyers with loan options that will work within their budget requirements to help them get approved. You’ll also coordinate with other mortgage professionals to obtain all information required as part of the application and will oversee the entire mortgage loan process as it progresses from beginning to end.

There are several steps you’ll need to take in order to obtain a mortgage loan officer license.

Step 1: Obtain an NMLS number / create an account

Step 2: Complete the minimum 20 hours of pre license education plus any state specific education requirements for the state(s) you want to get licensed in

Step 3: Sign up for and pass the NMLS exam (also known as the SAFE MLO test)

Step 4: Apply for your NMLS license in desired states

Step 5: Complete all required background checks, credit check, submit fingerprints, pay fees

Learn more about the details in our guide or visit the NMLS Getting Started resource.

The time it takes to become a mortgage loan officer is largely dependent on your schedule and how much time you can dedicate to completing the pre-license training requirements. We offer the national 20 hour course in both a 7-day session and a 14-day session. Timing also depends on how long it takes to pass the required NMLS exams, background checks and credit checks. On average, you can expect the process to take about 6 weeks, but that will vary for each individual depending on the specific license requirements for the state(s) they want to be licensed in.

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