Late MLO Continuing Education

Becoming a Mortgage Loan Originator (MLO) involves several key steps. While specifics vary by state, here’s a general 6-step roadmap:

What to Do If You’re Late or At Risk

If you missed the CE deadline, you may still be able to reinstate your license.

🚨 What is Late CE?

Late CE allows MLOs to complete their required education after the December 31 deadline. While the reinstatement period runs through February 28, Late CE is available year-round. However, completing it after February 28 typically requires additional licensing steps and fees to reactivate your NMLS registration.

📉 Penalties May Include:

  • Loss of “Active” license status
  • Ineligibility to originate loans
  • Additional NMLS reinstatement fees
  • Possible state-specific fines or disciplinary actions

🔁 How to Recover:

  1. Enroll in Late CE courses (must be NMLS-designated as such)
  2. Submit renewal application through NMLS
  3. Pay any required state or federal penalties
  4. Get re-sponsored by your employer (if needed)

✅ Act Fast

Start MEC’s Late Continuing Education Courses

Class Formats Explained

Understanding how different formats work helps you choose the one that fits your learning style and schedule best.

NMLS CE Deadlines

Don't Risk Your License – Complete Your 2025 CE and Renewal on Time

The NMLS strongly recommends that all mortgage professionals complete their Continuing Education (CE) and submit renewal applications well before the official deadlines. Delaying can lead to processing issues, late fees, or even the inability to work legally. Stay compliant and avoid last-minute stress by meeting the NMLS renewal timeline without delay.
Smart Deadline
At-Risk-To-Deadline
Guaranteed to Miss the Deadline
Friday, December 5, 2025
Friday, December 12, 2025
Friday, December 26, 2025

MLO Continuing Education (CE) Requirements

Under the SAFE Act, all licensed mortgage professionals—including Mortgage Loan Originators (MLOs) and mortgage brokers—are required to complete a minimum of 8 hours of Continuing Education (CE) annually to keep their licenses active. These hours must be completed through an NMLS-approved provider.

For most states, the 8 required hours must include:

  • 3 hours of federal law and regulations
  • 2 hours of ethics, covering topics such as fraud prevention, consumer protection, and fair lending practices
  • 2 hours focused on non-traditional mortgage lending
  • 1 hour of elective coursework related to mortgage origination

Note: Some states also require additional “state-specific” CE hours to maintain licensure. Be sure to check your state’s requirements to stay in compliance.

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