MLO Continuing Education
After the first license renewal cycle, Mortgage Loan Originators must complete MLO continuing education hours. Our online self-paced CE courses are fully approved by the NMLS for 2026 MLO license renewals.
2026 CE Online! 8-hours $69 Self-Paced Video Courses
Our 7-hour Core Course + the State Specific/General Elective Meets All 2026 Required Continuing Education Requirements for the Following States:
State Specific Electives: Arizona, California – DFPI, Connecticut, Florida, Georgia, Hawaii, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, Missouri, New York, North Carolina, New Jersey, New Mexico, Oregon, Pennsylvania, Rhode Island, South Carolina BFI, South Carolina DCA, Utah, Washington, and Washington DC.
General Elective Approved for: Alabama, Alaska, Arkansas, California – DRE, Colorado, Delaware, Illinois, Indiana – DFI, Indiana – SOS, Iowa, Kansas, Louisiana, Maine, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New York, North Dakota, Ohio, Oklahoma, Puerto Rico, South Dakota, Tennessee, Texas – OCCC, Texas – SML, Utah – DFI, Vermont, Virgin Islands, Virginia, Wisconsin, Wyoming.
NMLS Approved 8-hour Continuing Education MLO Course Combo
This is the course combo needed to renew your mortgage loan originator license in 2026 for the following states: AK, AL, AR, AZ, CA – DFPI, CA – DRE, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN – DFI, IN – SOS, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC – BFI, SC – DCA, SD, TN, TX – OCCC, TX – SML, UT – DFI, VA, VI, VT, WA, WI, WY.
- 7-Hour Approved Federal Core Course #18551
- Includes a State Specific or General Elective Course
- Next Day NMLS Hours Reporting Included Free
- Online Self-Paced Course
- E-textbook Included
- Unlimited Phone & Email Support
- Fully Updated for 2026 Renewal
Additional State Specific CE Courses for 2026 are sold for just $10 each!
MLO CE Deadlines Vary Per State
For the majority of states, the official NMLS Continuing Education (CE) deadline is December 31st.
Several state agencies regulating mortgage loan originator licenses require CE to be finished well before December 31st:
October 31st: Georgia
November 1st: District of Columbia, West Virginia
November 30th: Kentucky, South Carolina (DCA)
December 1st: Delaware, Idaho, Iowa, Kansas, Puerto Rico, Vermont
December 15th: Washington, Utah (DRE)
Completing CE right on any deadline is risky because course providers legally can take up to 7 days to report completed hours to the NMLS system, which can cause your license to lapse on January 1st. 24hourEDU reports hours the very next day after you complete a CE course, even on weekends.
Reminder Emails About Your CE Status
The NMLS will send out reminder emails to all current licensed MLOs who have not completed their annual CE starting in July. More reminders are sent through late summer, fall, and early winter.
It is a best practice to complete your continuing education right away so there are no bumps in the road come renwal time.
First Application Window Opens: November 1st. This is the earliest date you can log into your NMLS account and submit your official renewal request and fees.
Standard Renewal Cutoff: December 31st. All renewal requests and required attestations must be submitted to prevent your license from expiring.
Late Reinstatement Window: January 1st – February 28th/29th. If you miss the December 31st deadline, your license expires. Some states allow a late “reinstatement” window during these two months, but you will pay late fees and cannot originate loans until the renewal process is complete.
A NEW CE Course MUST be Completed Each Year
This is a brand new mortgage loan originator training program for 2026 Renewals. The course provides mortgage professionals with the legal knowledge, ethical standards, and product expertise to navigate today’s lending environment with confidence and integrity.
8-hour Continuing Education MLO Course Outline
This course meets the required 8 hours of NMLS approved continuing education needed to renew a Mortgage Loan Originator license. See our course outline below.
Rules of Conduct / Course Introduction
How to Navigate the Course
Module 1:
The Truth in Lending Act and Its Role in Mortgage Compliance (153 minutes)
Module 2:
Core Ethics and Consumer Protection in Mortgage Lending (103 minutes)
Module 3:
Understanding Nontraditional Mortgage Lending (108 minutes)
Module 4 ELECTIVE:
Navigating Construction and Specialized Mortgage Products (55 minutes)
Final Exam:
(20 minutes on average)
Graduate Feedback & Next Steps
Same Day NMLS CE Hours Reporting Included Free
Once you have successfully completed our 8-hour SAFE MLO Online Course, our compliance staff will report your hours FREE to the NMLS on your behalf. We will report your hours to the NMLS within 24-hours. This will be recorded and visible in your personal NMLS account. You will also be sent a congratulatory email with your certificate.
NMLS Approved 8-hour Continuing Education MLO Course Combo
This is the course combo needed to renew your mortgage loan originator license in 2026 for the following states: AK, AL, AR, AZ, CA – DFPI, CA – DRE, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN – DFI, IN – SOS, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC – BFI, SC – DCA, SD, TN, TX – OCCC, TX – SML, UT – DFI, VA, Vi, VT, WA, WI, WY.
- 7-Hour Approved Federal Core Course #18551
- 1-Hour State Specific or General Elective Course
- Next Day NMLS Hours Reporting Included Free
- Online Self-Paced Course
- E-textbook Included
- Unlimited Phone & Email Support
- Fully Updated for 2026 Renewal
How to Renew you MLO License After your Hours are Reported to the NMLS
Once your continuing education hours are successfully reported to the NMLS, renewing your MLO license becomes a straightforward process through the NMLS system. Log into your NMLS account and navigate to the license renewal section, where you’ll find your completed CE requirements automatically reflected in your record. Once you are logged in, hit “COMPOSITE VIEW” in the upper right hand corner of your screen, then hit “VIEW INDIVIDUAL” (top of screen) Next hit educational record (left side of screen) and scroll to the bottom where you will see CE & PE Education listed.
This 11-page NMLS Handbook Downloadable PDF File will provide you with step by step instructions to Renew Your MLO License
Next, you’ll need to pay the required renewal fees, which vary by state, and update any personal or employment information that may have changed during the license period. Most states require renewal by December 31st, though deadlines can vary, so it’s essential to check your specific state requirements and complete the process before your license expires. The NMLS system will guide you through each step, and once approved, your renewed license status will be updated in the database, allowing you to continue originating mortgage loans without interruption.
Sample Screenshot from our Late CE 1-Hour Construction Loan Elective Module
Do you not have a MLO license yet and want to get one?
For all of the requirements to get your license, check our our Mortgage Loan Originator State Licensing Page. If you need help or more information contact our support staff for assistance.