Where can I take mortgage loan officer courses?

Mortgage loan originator courses are offered only by NMLS-approved course providers; NMLS itself does not offer pre-licensing or continuing education courses, because it must stay independent of the course approval process. You search for and enroll in courses through approved providers, and completed hours appear on your NMLS record. The required pre-licensing course is at least 20 hours, covering federal law, ethics, nontraditional mortgage products, and elective origination instruction.

You can take mortgage loan officer courses through any NMLS-approved education provider, in a classroom, online, or another NMLS-approved format. Alabama requires 20 hours of NMLS-approved pre-licensing education: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 12 hours of electives. Alabama does not require any state-specific law content, so any NMLS-approved course meeting the federal baseline counts.

You can take the required courses from any NMLS-approved education provider. Alaska requires 20 hours of pre-licensure education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, and 12 hours of electives. Alaska imposes no state-specific education hours beyond the national requirement.

You can take the required courses through any provider on the Nationwide Multistate Licensing System (NMLS) approved-education list, which the state agency accepts for licensing. The required course is 20 hours, and it must include 4 hours of Arizona real estate and mortgage lending law. The remaining hours cover federal law, ethics, nontraditional mortgage lending, and general mortgage topics.

You can take Arkansas loan officer courses through any NMLS-approved education provider. The state requires 20 hours of prelicensing education, including at least 3 hours of federal law, 3 hours of ethics, and 2 hours of nontraditional mortgage products, plus electives, with no Arkansas-specific law hours added. Courses may be completed in a classroom, online, or through other NMLS-approved formats, and education plus the test must be finished before you submit the MU4 application.

Any Nationwide Multistate Licensing System (NMLS)-approved provider can deliver the required 20 hours of pre-licensing education, in any area of the United States, and you may spread the hours across multiple courses over time. The coursework must include 3 hours of federal law, 3 hours of ethics, and 2 hours on nontraditional mortgage products. The education does not have to be finished before you take the SAFE test, but it must be complete before you submit your application.

Take your coursework from any provider approved by both NMLS and the Colorado Private Occupational School Board, which regulates schools that actively recruit and enroll Colorado residents. Colorado requires 20 hours of NMLS-approved pre-licensing education: 3 hours federal law, 3 hours ethics, 2 hours non-traditional mortgage lending, 2 hours Colorado-specific content, and 10 hours of general electives. The Colorado Division of Real Estate publishes an approved-education provider list on its website.

You can take the required courses through any provider on the NMLS approved-education list. Connecticut requires 21 hours of NMLS-approved prelicensing education: 3 hours federal law, 3 hours ethics, 2 hours nontraditional mortgage lending, electives, and 1 hour of Connecticut law. The state-specific hour can be satisfied by either a Connecticut comprehensive course or a state-specific elective course.

You take prelicensing courses from any provider on the Nationwide Multistate Licensing System (NMLS) approved-education list; Delaware requires all 20 prelicensing hours to be NMLS-approved. Delaware accepts prelicensing education approved for any other state as credit toward its own requirement.

Mortgage loan officer courses are offered by education providers approved by the Nationwide Multistate Licensing System (NMLS), and many deliver the full program online. To qualify for a DC license, you must complete 20 hours of NMLS-approved pre-licensing education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 9 hours of electives, and 3 hours of DC law. The 3 DC-law hours may be satisfied by a DC comprehensive course or a state-specific elective course.

Mortgage loan officer courses come from providers approved by the Nationwide Multistate Licensing System and Registry (NMLS), which publishes the approved-provider list. Florida requires 20 hours of NMLS-approved prelicensing education, including a minimum of 2 hours covering Florida law and rules; the Florida hours can be satisfied by a Florida comprehensive course or a state-specific elective. Course formats and prices vary by provider, and the 2 Florida-specific hours count inside the 20-hour total.

Mortgage loan officer courses are taken through NMLS-approved education providers, which NMLS lists in its Resource Center under Professional Standards. Georgia requires 20 hours of pre-licensing education (3 hours federal law, 3 hours ethics, 2 hours non-traditional lending, and 12 elective hours) and adds no state-specific hours. Courses are available online and, in some markets, in classroom formats.

You can take Hawaii's required 20-hour pre-licensing education from any provider on NMLS's approved-course list, in a classroom, online, or in another format NMLS approves. A course NMLS approved for another state also counts toward Hawaii's requirement. The 20 hours must include 3 hours of federal law and regulations, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 3 hours of Hawaii state law and rules.

Mortgage loan officer courses are offered by NMLS-approved education providers. Before applying for the Idaho Mortgage Loan Originator License, you must complete 20 hours of approved pre-licensure education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 2 hours of Idaho law, and 10 hours of electives. Course providers may take up to 7 days to report your completion into NMLS.

Illinois mortgage loan officer courses are offered by NMLS-approved education providers, which you can find through the NMLS course catalog. Illinois requires the standard 20 hours of pre-licensing education (3 hours federal law, 3 hours ethics, 2 hours non-traditional lending, 12 hours of electives) and adds no Illinois-specific hours.

You can complete your 20 hours of pre-licensing education through any NMLS-approved provider, online or in person. On the DFI track, courses are not required to be specific to Indiana, so any NMLS-approved SAFE course satisfies the requirement. If you follow the Secretary of State loan-broker track, your 20 hours must include 2 hours of Indiana law.

Take your courses through a provider on NMLS's approved-education list. Iowa requires at least 20 hours of NMLS-approved prelicensing education, and the hours must be completed during the 3 years immediately preceding the date you submit your application. Iowa adds no state-specific hours beyond the national SAFE curriculum.

Mortgage loan officer courses are offered through providers approved by the Nationwide Multistate Licensing System (NMLS), and each course must also be approved by the OSBC before Kansas grants credit. Kansas requires 20 hours of prelicensing education: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage lending, and 12 hours of electives.

Mortgage loan officer courses in Kentucky must be NMLS-approved. You complete the required 20-hour prelicensing course (3 hours federal law, 3 hours ethics, 2 hours non-traditional mortgage lending, and 12 hours of electives) before submitting your application. Kentucky adds no state-specific education hours, so the standard national course fully satisfies the requirement.

Take the 20-hour pre-licensing course from a provider approved by the Nationwide Multistate Licensing System (NMLS). Louisiana adds no state-specific hours beyond the national 20: 3 hours federal law, 3 hours ethics, 2 hours non-traditional mortgage lending, and 12 elective hours. You can find approved courses and providers in the NMLS Master Course Catalog, and only NMLS-approved courses count toward the Louisiana license.

Maine loan officer candidates must complete 20 hours of prelicensing education approved by the Nationwide Multistate Licensing System (NMLS) before applying: 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending, and 12 hours of electives. Approved courses are offered in classroom and online formats, and employer-provided NMLS-approved courses also count.

Mortgage loan officer prelicensing courses in Maryland must be approved by NMLS, which has approved the state's courses and providers since January 1, 2010. You can complete the required 20 hours in a classroom, online, or another NMLS-approved format, and an employer may provide the course if it is approved. NMLS maintains the searchable catalog of approved courses.

You can take the required coursework through any provider approved by the Nationwide Multistate Licensing System (NMLS); the Division of Banks does not maintain a separate state provider list. Massachusetts requires 20 hours of NMLS-approved pre-license education before you apply, including 3 hours of Massachusetts-specific law and regulation. Providers typically offer the courses online, and provider course completion is reported into your NMLS record.

Prelicensing courses must be approved by NMLS, and Minnesota permits classroom, online, or other NMLS-approved formats, including courses provided by an employer or its affiliate. You need 20 hours total: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 12 elective hours. Minnesota adds no state-specific hours beyond the national course.

Mortgage loan officer prelicensing courses in Mississippi must come from providers approved by the Nationwide Multistate Licensing System (NMLS). You can take the required 20 hours in a classroom, online, or through another NMLS-approved format. The 4 hours on the Mississippi S.A.F.E. Mortgage Act may be satisfied by a comprehensive Mississippi course or a state-specific elective.

Loan officer courses must come from providers on the NMLS-approved list, and Missouri accepts classroom, online, or other NMLS-approved formats, including employer-provided courses. The NMLS course directory lists approved providers for both the required 20 hours of prelicensing education and the 8 hours of annual continuing education.

Mortgage loan officer courses are offered by providers approved through the Nationwide Multistate Licensing System (NMLS), which you can find in the NMLS course catalog. Montana requires 20 hours of prelicensing education: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, 2 hours of Montana-specific law, and elective hours to complete the total. Prelicensing education approved by NMLS for any other state counts toward Montana's requirement.

Mortgage loan officer courses in Nebraska come from providers approved by the Nationwide Multistate Licensing System (NMLS), searchable through the state's approved-education list. You need 22 hours of pre-licensing education, including 2 hours of Nebraska-specific law, and Nebraska accepts education completed for any other state toward that requirement. Courses may be classroom, online, or another NMLS-approved format, and an employer may provide them.

Nevada requires pre-licensing courses from providers approved by the Nationwide Multistate Licensing System (NMLS), and you find and enroll in them through the NMLS website. The state's 30-hour requirement covers 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 18 hours of electives, and 4 hours of Nevada law.

Mortgage loan officer courses are offered by NMLS-approved education providers, whose approved courses are listed in the NMLS education catalog. New Hampshire requires at least 20 hours of NMLS-approved pre-licensure education, including 2 hours of New Hampshire law. New Hampshire does not publish a state list of providers, so verify any course is NMLS-approved before enrolling.

Mortgage loan officer courses are offered by providers on the Nationwide Multistate Licensing System (NMLS) approved-education list. New Jersey requires 20 hours of NMLS-approved pre-licensure education, with the 4 hours of New Jersey law included in that total. The NMLS catalog shows each approved provider and course approval status.

Mortgage loan officer courses in New Mexico are delivered by NMLS-approved education providers. The state requires 20 hours of pre-licensure education: 3 hours of federal law, 3 hours of ethics, 2 hours on non-traditional mortgage lending, 9 hours of electives, and 3 hours of New Mexico law. The New Mexico content may be satisfied with a comprehensive New Mexico course or a state-specific elective course.

You take the required courses through any provider listed on the NMLS-approved education catalog on the NMLS website. New York requires 20 hours of approved pre-licensing education, including 3 hours of New York law, and the New York-specific hours cannot be more than three years old when you apply. If you have less than four years of MLO experience, the courses must be delivered as a live classroom, a fully interactive video or audio conference, or a comprehension-gated format.

Courses must be taken through providers approved by the Nationwide Multistate Licensing System and Registry (NMLS). The required 24 hours consists of 3 hours of federal statutes, 3 hours of ethics, 2 hours on nontraditional mortgage products, 12 hours of electives, and 4 hours of North Carolina statutes and rules, all completed within three years before you apply. NMLS publishes a searchable catalog of approved courses and providers.

North Dakota requires at least 20 hours of NMLS-approved prelicensing education: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 12 hours of electives. Approved providers are listed in the NMLS course catalog, and you must finish the coursework before submitting your application. North Dakota adds no state-specific hours beyond the national 20.

Mortgage loan officer courses are offered by NMLS-approved providers, many of them online. Ohio requires 24 hours of pre-licensure education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 12 hours of electives, and 4 hours of Ohio law. You can find approved courses through the NMLS course directory.

You take the required coursework through providers approved by the Nationwide Multistate Licensing System (NMLS); Oklahoma's approved-provider list appears in the NMLS Resource Center under State Licensing. The requirement is 20 hours of NMLS-approved pre-licensure education, and 1 of those hours must cover Oklahoma-specific law, satisfied by either an Oklahoma comprehensive course or a state-specific elective.

You take pre-license education through any provider on the NMLS approved-course list. Oregon requires 20 hours, including 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage lending, and 4 hours of Oregon law. You can satisfy the 4 Oregon hours with an Oregon comprehensive course or a state-specific elective course.

Through any education provider approved by NMLS, which lists approved courses in its online catalog. Pennsylvania requires at least 20 hours of pre-licensing education, including 3 hours of Pennsylvania-specific law, which you can satisfy with either a Pennsylvania comprehensive course or a state-specific elective. The provider reports your completed hours to your NMLS record, where the state reviews them.

You take mortgage loan officer courses through education providers approved by the Nationwide Multistate Licensing System (NMLS); search the NMLS course catalog for South Carolina offerings. The required 20 hours must include 3 hours of state-specific content, and South Carolina has two licensing agencies, so pick the correct track: Board of Financial Institutions (BFI) courses for lender-side originators, or Department of Consumer Affairs (DCA) courses for broker-side originators. You must select the correct agency for the state-specific credit to apply to your license.

Mortgage loan officer courses are offered by NMLS-approved education providers, and completions are reported into NMLS. For Tennessee licensure, you need 20 hours of approved pre-licensure education, including 2 hours of Tennessee-specific law satisfiable through a comprehensive Tennessee course or a state-specific elective. A provider can take up to 7 days to report a course completion into NMLS, so do not wait until the last minute.

You take Texas mortgage courses through providers on the NMLS approved-education list. The Texas Department of Savings and Mortgage Lending requires 23 hours of pre-licensing education: the 20-hour national course plus 3 hours on Texas law. Education taken in another state counts only for the SAFE Act-compliant hours, so hours covering the other state's specific laws do not count.

Mortgage loan originator courses come from approved providers. The 20-hour national prelicensing course may be taken from any NMLS-approved provider, which banks the completion to your NMLS education record. If you pursue the Utah Division of Real Estate license, the 5-hour Utah-specific course must come from a Utah-approved mortgage pre-licensing school; the Department of Financial Institutions license adds no state-specific education requirement.

Through any provider approved by the Nationwide Mortgage Licensing System and Registry (NMLS), which reviews and approves both the courses and the course providers. Vermont allows prelicensing education delivered in a classroom, online, or by other NMLS-approved means, and a course may also be provided by your employer or an affiliated entity. At least 2 of the required 20 hours must cover Vermont law and regulations.

The required 20 hours of pre-licensing education must come from an NMLS-approved provider, taken in a classroom, online, or through another Registry-approved delivery method. The hours break down as 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 12 elective hours.

Washington requires the 22 pre-licensing hours, including 4 hours of Washington law, to come from an NMLS-approved provider. The NMLS Resource Center lists approved providers and courses, and courses are offered both online and in classroom formats. Course cost varies by provider.

Mortgage loan originator courses must be approved by the Nationwide Mortgage Licensing System and Registry (NMLS) or the West Virginia Division of Financial Institutions. West Virginia accepts classroom, online, and other NMLS-approved delivery formats, and your employer or an affiliated entity may provide the courses. NMLS publishes approved-course listings through its website, and fingerprint forms must be obtained directly from the Division of Financial Institutions.

You take the required 20 hours of pre-licensing education through any NMLS-approved education provider listed on the NMLS Resource Center. Wisconsin requires the standard national curriculum with no state-specific course: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and the remainder in electives. Course package prices vary by provider and typically run a few hundred dollars.

Mortgage loan officer courses are NMLS-approved pre-licensure education courses, offered by providers on the state's approved-education list. Wyoming requires 20 hours: 3 hours of federal law, 3 hours of ethics, 2 hours on non-traditional mortgage lending, and 12 hours of electives. Complete the education before submitting your MU4 application.