Continuing Education Requirements For Mortgage Licensees

continuing education for mortgage licensees


It’s that time of year again. The weight of completing your continuing education courses to maintain your mortgage license weighs heavy on your shoulders. If this is you, you are not alone. We’ve compiled this list of resources and information to help you complete your continuing education requirements for your mortgage license.


**This post was last updated for the 2016 CE Course Requirements. We will continue to update this post each year with new requirements/dates.**


Continuing Education Requirements

The SAFE Act requires that licensed mortgage loan originators (or MLOs) complete 8 hours of NMLS approved education which includes the following:

  • 3 hours of Federal law and regulations

  • 2 hours of ethics (which must include instruction on fraud, consumer protection, and fair lending issues)

  • 2 hours of training related to lending standards for the nontraditional mortgage product market

  • 1 hour of undefined instruction on mortgage origination


Note that the SAFE Act’s Successive Year Rule states that an MLO may not take the same course two years in a row. Repeat courses will not be counted for CE credit. Before registering for a course, be sure to check the course description in the NMLS Course Catalog to see if the course shares content with another course. If it shares content with another course, it will not count as CE credit if you take it two years in a row.


Some state agencies have state-specific education requirements. To see if your state does, view the State-Specific Education Chart.


mortgage license continuing education


Deadline for Continuing Education Requirement


  • SMART deadline: Monday, December 19

  • At-Risk-To-Miss Renewal Deadline: Monday, December 26

  • Guaranteed to Miss Renewal Deadline: Saturday, December 31


Resources for Continuing Education




Still have questions? Contact the NMLS Call Center at 1-855-665-7123



Related links:

Mortgage License Renewals

A Complete Guide To The SAFE Mortgage Licensing Act

How To Get Your Mortgage License [Infographic]

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