National Mortgage Loan Originator (MLO) pre-licensing courses
14 days
to complete your course
$0 hidden fees
credit banking fee included
100% online
instructor-led + self-study
72-hour refund
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Licensed in four steps
The price you see is the price you pay
Other schools add an NMLS credit banking fee at checkout. Ours is already included — compare total prices, not advertised ones.
NMLS ID
The first step to obtaining your MLO license is creating an NMLS account to get your NMLS ID.
Obtain your NMLS ID if you don't have one:
- if you apply through your employer then you can find more information in the NMLS getting-started instructions
- if you will apply as an individual then you can find more information in the NMLS individual account setup guide (PDF)
You will need your NMLS ID when you go through your National and State Modules.
Email us at support@realestateu.com if you have any questions.
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Commonly Asked Questions on Getting Licensed in National
The term “getting a license through NMLS” refers to those licenses obtained through NMLS in 66 state and territorial territorial licensing agencies. NMLS itself does not issue licenses, rather it is the system used by the agencies who do issue those licenses. Through the NMLS website, you can find the details about the state licenses that interest youSee the answer for every state
The first requirement to get a mortgage loan originator license is to go through the MLO pre-licensing education and pass a test. You must also find a lender or broker as your employer and sponsor. As per the SAFE Act, MLOs must get a license before they can take up any financing work. Register with the Nationwide Multistate Licensing System and Registry (NMLS) to get a mortgage loan originator license. The body also maintains records and communicates between state licensing authorities and their licensees but does not issue licenses. The mortgage loan originator course offered by RealEstateU has a minimum of 20 hours of pre-licensing training. Moreover, many states require up to 4 hours of additional training. Here too, RealEstateU provides the best mortgage loan originator online course. You must also pass a test, which is a standard test for all states. Completing the mortgage licensing course and passing the test is not enough to be an MLO. Get sponsorship from a company licensed as a mortgage broker, lender, or independent mortgage banker. When all these pieces come together, you can begin your career as a mortgage loan originatorSee the answer for every state
A Mortgage Loan Originator (MLO) license is a state - issued license. With it, an MLO works on behalf of a lender to make residential mortgage loans secured. The work of an MLO involves obtaining residential mortgage loan applications from consumers. These applications are then processed and terms negotiated on behalf of their employer - lender. An aspiring MLO must complete mortgage loan originator license courses before getting a mortgage loan originator license. Licensed MLOs are employed by non-depository mortgage lenders, independent mortgage bankers, and mortgage brokersSee the answer for every state
The SAFE MLO license exam costs $110 per attempt.See the answer for every state
The Mortgage Loan Originator job is a sales job. Experienced loan originators get either a commission or a smaller salary plus a commission. However, salary-only jobs are rare in the industry since experienced mortgage loan originators working on commission-based packages generally earn much more.See the answer for every state