Frequently Asked Questions (FAQ's) - Mortgage Loan Originator (MLO) Pre-Licensing Education


 Important Information:


Regulatory Compliance: The NMLS (Nationwide Multistate Licensing System) mandates MLOs to adhere to the requirements of the SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act). This involves meeting national Pre-License education standards for obtaining a mortgage license.


Steps to Become a Mortgage Loan Originator (MLO):


Obtain NMLS Account and Number: Set up your NMLS account and obtain your unique NMLS number to obtain account go to


Complete 20 Hours Pre-Licensing Education: Fulfill the required 20 hours of pre-licensing education. Check for state-specific education requirements.


Take the SAFE MLO Exam: Pass the SAFE MLO Exam with a score of 75% or higher.


Background Check and Fees: After passing the exam, undergo a background check and pay associated fees.


Complete MU-4: Once the exam is passed, complete the MU-4 form.


Final Step - Sponsorship: Secure sponsorship to finalize the licensing process


Cost Breakdown:


National Test: $110.00


NMLS Processing Fee: $130.00


Credit Report: $15.00


Criminal Background Check: $36.25


State License Fee: Varies for each stat


NMLS 20 Hour Pre-Licensing Syllabus:


Three hours (3) - Federal and Regulations

Three hours (3) - Ethics

Two hours (2) - Non-Traditional Mortgage Products

Twelve hours (12) - Undefined Mortgage Origination


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