Learn concepts faster
by choosing a format that best suits your learning style.
Online self-paced video
Video CE is the easiest way to take your mortgage continuing education and only requires that you press play on each video. All of our content has been updated for the 2025 renewal year and is NMLS-approved.
Learn More About Video CE
Online self-paced
This course is entirely self-paced, allowing you to start and finish at your convenience.
Shop Self-Paced Courses
Webinars
Our fast-paced webinars are led by live instructors, giving you the opportunity to engage and ask questions.
Shop Webinars
Classroom
MLOs can complete their continuing education requirements in a face-to-face classroom setting. Check out our in-person training schedule to find a class near you! (Available in select cities)
Shop In-Person Classes
Looking for late CE training?
Renew your license if you did not finish your continuing education on time with mortgage late continuing education.
Important details to know about
mortgage license renewal.
Requirements
The NMLS states that all MLOs must comply with the SAFE Act (The Secure and Fair Enforcement for Mortgage Licensing Act), which requires MLOs with a state license to complete continuing education each year. To start your continuing education training, you will need your NMLS number.
To meet your mortgage CE requirements and maintain your mortgage license status, you are required to complete a minimum 8 hours of NMLS-approved education covering these topics:
3 hours of federal law and regulations
2 hours of ethics, including instruction on fraud, consumer protection, and
fair lending
2 hours of non-traditional mortgage lending
1 hour of undefined "electives" on mortgage origination
Deadlines
The NMLS recommends completing your 2025 CE according to these renewal deadlines:
SMART Deadline: December 5, 2025
At-Risk-To-Miss Deadline: December 12, 2025
Guaranteed To Miss Deadline: December 26, 2025
Some states have earlier recommended deadlines. To find your state-specific CE deadlines for 2025, visit our CE deadline page.
State-specific CE requirements
Some states require their own state-specific hourly requirements in addition to national hours for continuing education, while other states do not require any state-specific CE hours.
For example, Florida requires a 7-hour national CE course and 1 hour of Florida
state-specific training. Conversely, Colorado only requires an 8-hour national CE course to keep an
MLO license active in their state.
If you are licensed in multiple states, make sure to review your state requirements and follow them closely.
Finding the right CE courses
Meeting your CE hourly requirements can be a hassle when searching for the right training. That's why we developed Smart Search, our intuitive course selection tool. Just choose the state(s) where you're licensed, and a tailored list of NMLS-approved CE courses will appear based on your selections.
We've got answers to the most commonly asked continuing education
questions.
Every state requires at least 8 hours of national NMLS-approved continuing education. Some states require additional hours specific to the state. To find out which continuing education courses you are required to take, use our Smart Search course selector, where you can enter the states you need CE for, and we’ll show you the exact courses needed to meet the minimum hourly requirements for the states you have chosen.
The SAFE Act does not permit licensed MLOs to complete the same course in two
successive renewals. Fortunately, we create new courses every year, meaning you'll always get
the most up-to-date education and you will never have to worry about whether or not you're
meeting the "successive years" rule.
Many states allow for a reinstatement period, typically from January 1 to
February 28. During this reinstatement period, you must complete continuing education
specifically approved by the NMLS as “Late CE”.
Our late CE courses are NMLS-approved and
are available for every state.
The NMLS requires all completed hours to be "banked" with the NMLS. OnCourse
Learning, as your NMLS-approved course provider, will submit your completion record to the NMLS
within seven days after you have finished your coursework and your session has ended. The NMLS
charges $1.50 per credit hour to "bank" your credit hours.
You can visit the NMLS website for assistance or call 855-665-7123, press option 2, then press option 1, to speak with
an NMLS representative.
