Florida Mortgage License Requirements
Learn about the Florida mortgage education requirements for mortgage licensing.
Please contact the Florida Office of Financial Regulation for specific requirements for this state, but generally mortgage loan originators are required to:
- Complete a federal and state Criminal Background Check (CBC).
- Authorize a credit report through the NMLS.
- Fulfill all state and federal education requirements as designated by your state agency.
- Take and pass a National test.
Florida 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
- 2 hours of Florida-specific state laws
- 10 hours of electives
Florida 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 Florida-specific state laws
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.
Florida Mortgage Licensing:
- Florida Office of Financial Regulation
- Phone: 850-410-9895
- Email: ofr@flofr.com
- Website: www.flofr.com
NMLS Resources:
- Florida MLO License Description Page
- Professional Standards: Mortgage Education
- Professional Standards: Criminal Background Check
- Professional Standards: Credit Report
- Professional Standards: MLO Testing