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You’ll get a response from one of our team members within the next business day.  While you’re waiting for us to respond take a look at our licensing checklist below. It contains some simple tasks you can tackle while you wait!

Licensing Checklist


The SAFE Act requires all and registered licensed MLOs to have an NMLS ID. This ID is used to submit your credit hours, verify valid licensure, and other information through the Nationwide Mortgage Licensing System (NMLS). Your company will have an NMLS ID as well which is different than your individual ID.

If you do not have an NMLS ID you must obtain one before we can submit your credit hours to the NMLS. It's a free process that only takes a few minutes to complete.


If you need to complete take the SAFE Mortgage Loan Originator Test you'll need to also complete the required SAFE 20 Hours of pre-licensing education.

Start building a timeline and think about when you want to take the pre-licensing course, what type of learning environment works best for you (self-study or having a live instructor), and determine an approximate date you would like to test. We recommend most students training via webinar with a live instructor and follow our 10-day follow-up study plan.

State Licensing

If you're new to the industry you'll need to be licensed in at least one state. Most of the time your employer (sponsor) will determine which states you should be licensed in based on the states they serve. If you're speaking with a potential employer ask them which states they will eventually need you to become licensed in. Some states have additional pre-licensing education requirements.

If you're an actively licensed MLO consider additional state licenses to grow your increase your pipeline and close more deals.


When you're taking mortgage education courses mindset is everything. Our courses are designed to inform and teach you about the regulations you must follow as an MLO, not just satisfy a time requirement. Getting and maintaining your license(s) is key to getting, and keeping, your job.

Learning and studying is imperative for those taking the SAFE 20 Hour course. You'll eventually be facing a difficult test required to get your license. If you follow our recommendations, and stick to the plan, success will be yours.