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Late CE Courses for Mortgage Loan Officers

If you missed your annual mortgage continuing education deadline, you must complete Late CE before your MLO license can be renewed.

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

Browse courses by state

  • Get back on track with NMLS-approved late continuing education courses
  • Meet minimum SAFE Act requirements

Late CE formats

Take advantage of NMLS-approved online training for late mortgage continuing education, meeting both national and state requirements. Complete your mortgage CE at your own pace and convenience to renew your license simply.

Video course

7 or 8 hours of national late CE

Video-based format

Click "play" and get started

Text course

7 or 8 hours of national late CE

Text-based format

Study at your own pace

“This is the most efficient and smoothly run education course available online”

— Luke Completed Late CE

What is late CE

If you missed your annual mortgage continuing education deadline, you’re required to complete Late CE before your MLO license renewal can be processed. Late CE is mandatory for any Mortgage Loan Originator who did not finish their SAFE Act continuing education hours during the standard renewal period.

Common reasons MLOs need late continuing education:

  • Missing the annual NMLS renewal deadline
  • Reinstating an expired or inactive MLO license
  • Moving to a state that requires “Late CE” for license endorsement
  • Returning to the industry after a break
  • State-specific requirements that must be met before sponsorship
  • Our NMLS-approved Late CE courses meet all SAFE Act standards and include instant NMLS reporting once completed.

    Common questions

    We've got answers to the most commonly asked late continuing education (CE) questions.

    Every state requires at least 8 hours of national NMLS-approved late continuing education. Some states require additional late CE hours specific to the state. To find your required state-specific training, be sure to select each state you wish to renew your license in.

    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.

    Late CE is required when an MLO does not complete their annual continuing education on time and must complete “reinstatement” hours to renew their mortgage loan originator license.

    • MLOs who missed their CE deadline
    • Returning MLOs reactivating a license
    • Anyone reinstating after their MLO license lapses
    • MLOs adding a new state license with a Late CE requirement

    Yes. Late CE courses are specially designated as “Reinstatement (Late CE)” within NMLS and only these courses will satisfy Late CE requirements.

Helpful Links
  1. How to easily complete your late CE
  2. Mortgage continuing education deadlines
  3. State requirements for continuing education