How do I become a mortgage advisor with no experience?

You can, because U.S. licensing has no prior-experience requirement; the equivalent role in the United States is the state-licensed mortgage loan originator. You must complete 20 hours of Nationwide Mortgage Licensing System and Registry (NMLS)-approved pre-licensing education, pass the SAFE Mortgage Loan Originator Test with a score of at least 75%, clear fingerprint and credit checks, and obtain sponsorship from a state-licensed mortgage company. Employers may prefer a bachelor's degree or sales and customer service experience, but neither is a licensing requirement.

The United States equivalent of a mortgage advisor is a mortgage loan originator, and Florida requires no prior industry experience for the individual license. You must be at least 18, hold a high school diploma or its equivalent, complete 20 hours of NMLS-approved prelicensing education including 2 hours of Florida law, pass the SAFE MLO Test, and submit fingerprints and a credit report with your application through NMLS. A year of mortgage experience matters only for the principal loan originator designation on a company license.

New York's individual mortgage loan originator (MLO) license has no experience requirement, so you can start with none. You must complete 20 hours of NMLS-approved pre-licensing education including 3 hours of New York law, pass the SAFE MLO Test, and clear background and credit checks, then affiliate with a DFS-licensed mortgage banker or registered broker. The two-year credit analysis or underwriting experience requirement applies only to the qualifying individual on a company's broker registration, not to individual MLOs.