National Mortgage Late CE Online Courses

NMLS-approved online courses provide National MLOs with required late continuing education

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Get your Late CE mortgage loan originator continuing education with our NMLS-approved course

Our NMLS-approved mortgage Late CE course satisfies your ongoing requirements for mortgage loan originator licensure. Late CE is required if you did not take your continuing education on time. Take your Late CE today to make-up your MLO continuing education. 

Late CE: 8 Hour SAFE Comprehensive Examining Industry Issues in Today's Mortgage Market (7628)

Format | Online Self-Paced

Credit Hours | 8

Category | Comprehensive

SKU | 4303US19100A00

$144.00

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As the mortgage industry continues to evolve, mortgage loan originators must stay abreast of the topics most pertinent to their everyday business. Examining Industry Issues in Today's Mortgage Market 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 Real Estate Settlement Procedures Act, the Truth-in-Lending Act, and the TILA-RESPA Integrated Disclosure Rule, specifically rules for filling out the Loan Estimate and Closing Disclosure for both a fixed-rate and an adjustable-rate mortgage transaction. In addition, students will take a look at the new Uniform Residential Loan Application and provisions of the law related to money laundering in the mortgage industry. This course is NMLS-approved for eight hours of continuing education required for mortgage loan originators, as specified by the S.A.F.E. Mortgage Licensing Act. Annual S.A.F.E. Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education, for a total of eight hours.

Late CE: 7 Hour SAFE Core Examining Industry Issues in Today's Mortgage Market (7623)

Format | Online Self-Paced

Credit Hours | 7

Category | Elective

SKU | 4303US19110A00

$134.00

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As the mortgage industry continues to evolve, mortgage loan originators must stay abreast of the topics most pertinent to their everyday business. Examining Industry Issues in Today�s Mortgage Market 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 Real Estate Settlement Procedures Act, the Truth-in-Lending Act, and the TILA-RESPA Integrated Disclosure Rule, specifically rules for filling out the Loan Estimate and Closing Disclosure for both a fixed-rate and an adjustable-rate mortgage transaction. In addition, students will take a look at the new Uniform Residential Loan Application and provisions of the law related to money laundering in the mortgage industry. This course is NMLS-approved for seven hours of core continuing education required for mortgage loan originators, as specified by the S.A.F.E. Mortgage Licensing Act. Annual S.A.F.E. Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education, for a total of eight hours.

Late CE: 2 Hour SAFE Elective Disclosures Required for Mortgage Transactions (7417)

Format | Online Self-Paced

Credit Hours | 2

Category | Elective

SKU | 4303US19260A00

$64.00

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The content for this course is the same as course ID 7417 and is intended to satisfy CE requirements for 2018 or the last year a mortgage loan originator held an active license. Mortgage loan originators who take this Late CE course are prohibited from taking course ID 7417 in 2019. Clear communication between a mortgage professional and a client is imperative to ensuring the success of a loan transaction. Throughout the mortgage loan process, many events trigger the requirement to disclose information to the client. Changes in information can also demand the disclosure � and at times, even re-disclosure � of information. As a result, it is vital that mortgage professionals are aware of the many disclosure rules with which they must comply, and of the timelines that apply for delivery. Late, incomplete, or inaccurate disclosures can be catastrophic for a single transaction and for the general public�s trust in the mortgage industry. This course will review the numerous federal laws that impose disclosure obligations on mortgage loan transactions and their requirements, including those for contents, delivery, corrections, and more. This course satisfies two hours of elective education for loan originators. Annual S.A.F.E. Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education.

Late CE: 1 Hour SAFE Elective Reviewing the Rules for HELOC Originations (7420)

Format | Online Self-Paced

Credit Hours | 1

Category | Elective

SKU | 4303US19270A00

$59.00

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The content for this course is the same as course ID 7420 and is intended to satisfy CE requirements for 2018 or the last year a mortgage loan originator held an active license. Mortgage loan originators who take this Late CE course are prohibited from taking course ID 7420 in 2019. A home equity line of credit (HELOC) is an open-end home equity loan which allows consumers to obtain mortgage credit based on the equity in their home and to draw cash from the credit line up to an established limit. HELOCs are subject to a distinct set of rules, and they have unique features which set them apart from closed-end mortgages. This course will review the characteristics of a HELOC, as well as the regulatory requirements for originating them. This course satisfies one hour of elective education for loan originators. Annual S.A.F.E. Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education.

 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
  • Exam prep tools to help you pass your NMLS license exam
  • Over 50 years of mortgage education experience

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

National Mortgage License Guidelines

Learn about National mortgage education requirements for mortgage licensing.

Licensing requirements for mortgage loan originators vary by state. In most states, mortgage loan originators 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. Surety Bond/Recovery Fund: Every mortgage loan originator must be covered under a surety bond or recovery fund.

NMLS Pre-Licensing Education Requirements:

Mortgage loan originators are required to complete a minimum of 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
  • 12 hours of electives

Some state agencies require additional state-specific education.

NMLS Continuing Education Requirements:

Mortgage loan originators are required to complete a minimum of 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 elective education

Some state agencies require additional 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.

NMLS Resources:

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