Mortgage · New Hampshire
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New Hampshire mortgage FAQs
Yes. "Loan officer" is a common everyday term for a mortgage loan originator (MLO), and New Hampshire issues a single Mortgage Loan Originator license for the role. The license covers individuals who, for compensation or gain, take a mortgage application or offer, negotiate, solicit, arrange, or find a mortgage loan, or who assist a consumer in applying for one by advising on loan terms, preparing loan packages, or collecting information.
Yes. New Hampshire law (RSA chapter 397-A) does not prohibit an individual from serving as both a mortgage loan originator and a real estate agent on the same transaction. Ethical standards may require the originator to provide written disclosure and obtain the client's prior written consent before acting in both roles.
Yes. New Hampshire requires 20 hours of NMLS-approved pre-licensure education, including 2 hours of New Hampshire law, and approved providers offer that coursework in online self-paced, video, and live webinar formats. In-person classroom attendance is therefore not required to meet the education requirement.
Yes. All new mortgage broker licensing in New Hampshire is filed online through the Nationwide Multistate Licensing System (NMLS). The application includes supporting documents such as formation papers, an anti-money laundering policy, a business plan, and an electronic surety bond submitted through NMLS.
Yes. Pre-licensure education approved by the Nationwide Multistate Licensing System (NMLS) is commonly offered online, in self-paced, instructor-led, and video formats. New Hampshire requires at least 20 hours, including 2 hours of New Hampshire law, before you submit your license application.
Yes. New Hampshire pre-licensure education is widely available online from NMLS-approved providers, in self-paced and webinar formats. Webinar courses typically require students to be on camera for the entire session and to show a government-issued photo ID at the start.
Yes. New Hampshire handles all new Mortgage Banker, Mortgage Broker, and Mortgage Servicer licensing, plus Mortgage Loan Originator filings, through the Nationwide Multistate Licensing System (NMLS), an online platform. The New Hampshire Banking Department does not issue paper licenses; license records are maintained in NMLS instead.
Yes. Mortgage loan originator licensing runs state by state, and each originator must maintain an NMLS record in every state of activity. New Hampshire law makes it unlawful to act as an originator on New Hampshire dwellings without a license. An eligible MLO entering a new state may originate under Temporary Authority for up to 120 days while completing that state's testing and education requirements.
In New Hampshire, a loan processor must be licensed as a mortgage loan originator when working as an independent contractor. The state's licensing checklist applies this requirement only to independent-contractor processors and underwriters, not to processors employed directly by a licensed company. An independent-contractor processor follows the same path as any originator: 20 hours of NMLS-approved education including 2 hours of New Hampshire law, the SAFE test, and a sponsored MU4 application.
Yes. In New Hampshire an employer must submit a sponsorship request through NMLS before the Banking Department will approve your mortgage loan originator license, and the license is only in effect while you are associated with a licensed mortgage banker or broker. You must first grant the company access to your NMLS record, and the company pays a $35 sponsorship filing fee each time it sponsors an MLO.