Get Your Arizona MLO License

Arizona mortgage loan originators are required to be licensed. In order to apply for a license, applicants must complete 24-hours of NMLS approved education. Our online MLO courses are fully approved to meet the Arizona & NMLS education requirements.

Arizona Mortgage Broker License Requirements
You can take online courses to get an Arizona MLO license

Sale Price $189 Enroll Now-Start Anytime

3 Easy Steps to obtain a Mortgage Loan Originator License in Arizona

1

Complete our NMLS approved 20-hour Online MLO Course ($275 $189) & then pass the 4-hour Arizona Laws Course (included free)
ENROLL HERE to start the 20-hour course instantly

2

Pass your national mortgage exam:
Exam prep included free of charge (unlike other schools)

3

Apply for the MLO License:
We report your hours to the NMLS free of charge

20-Hour SAFE Comprehensive: Arizona MLO Course + 4-Hours of AZ Mortgage Laws

This is the course needed to obtain your Arizona license. Unlike most competitors, we don’t have confusing packages. We include our Arizona laws course and our MLO exam prep course free, so you have everything in one package designed to get your license!

Enroll Now
Best Price for an MLO Course
  • 20-Hour NMLS Approved Course #16623
  • 4-Hour AZ Laws Course Included #17357 ($49 value)
  • Bonus Exam Prep Course Included FREE ($149 value)
  • NMLS Hours Reporting Included Free ($30 value)
  • Online Prerecorded Instructor Led Videos
  • E-textbook Included (Downloadable PDF)
  • Unlimited Phone & Email Support
  • Fully Updated for 2025
  • Bonus Marketing Videos Included FREE ($236 value)
How to become a mortgage loan originator in Arizona
Get an NMLS ID # Instructions

Why so inexpensive compared to other mortgage schools?

Since we only offer online courses, we can keep our costs low and our price affordable unlike most of our competitors. Therefore, we get to train more students than the other schools, which is a win for us. By keeping our costs lower, we help you get started in a great career as an MLO without having to take out a loan for your training, so everybody wins.

If you already have an MLO license in another state and want to get an Arizona License too, you can enroll in our 4-hr Arizona MLO course for $49 by calling student support at (888) 405-4453.

Best Training - Best Service - Best Value

Our 20-hour NMLS Approved National Course will fully prepare you to pass the license exam.  Once you complete this course, you will have immediate FREE ACCESS to our 4-hour Arizona Approved Mortgage Laws Course and a full Exam Prep Course.  All three courses for just $275 $189. You will be able to apply for a license with the Arizona Department of Financial Institutions (AZDFI) through your NMLS account.

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Arizona 4-hour Mortgage Laws Course Included Free

Our 4-hour Arizona laws course is included with the purchase of our 20-hour course. We also include our exam prep material in one easy to access package. You will get everything you need to become a licensed mortgage loan originator in Arizona.

4-Hour Arizona Mortgage Laws Course
Our NMLS Approved Online Self-Paced AZ Mortgage Laws Course is 4-hours
Compare MLO Course Prices
24hourEDU has all the training you need to get your MLO License at one great price.

A message from our Mortgage Loan Originator Education Instructor Rich Leffler about the training program

Why Arizona is a Great Place to Become a Mortgage Loan Originator?

Arizona offers exceptional opportunities for aspiring mortgage loan originators due to its robust real estate market and population growth. The state’s warm climate and affordable cost of living continue to attract newcomers, creating steady demand for housing finance professionals. Arizona’s diverse property market—from luxury desert homes to urban condominiums—allows originators to develop expertise across various loan types. The state’s business-friendly regulatory environment streamlines the licensing process, while strong professional networks provide mentorship opportunities for newcomers. The housing market has demonstrated remarkable resilience even during economic challenges, offering loan originators stability and potential for career longevity. Whether you’re serving clients in Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert, Tempe, Peoria, Surprise, Flagstaff, Yuma, or Sedona, Arizona’s diverse communities provide abundant opportunities for mortgage professionals to build thriving careers.

NMLS Approved online course Preview Video 20-hour

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Frequently asked Questions about 24hourEDU and How to Get your Arizona Mortgage License

We made sure the NMLS/Arizona required 24-hours of studying includes the information needed pass the SAFE MLO Exam.  To ensure students have an opportunity to continue to study, we provide everyone with a 600 page e-book, 500 exam prep questions, and a 30-page study guide specific to the test. We want every student to have the material needed to pass their exam. It is included, because you will need it to study as a resource after your 24-hour mortgage loan office courses.

An Arizona mortgage loan originator (MLO) is a professional who helps borrowers apply for and obtain mortgage loans. They assess borrowers’ financial situations, recommend appropriate loan products, and guide clients through the mortgage application process. Many people refer to the individual MLO as a mortgage loan officer.

An MLO (Mortgage Loan Originator) license is required by Arizona state law for anyone who takes residential mortgage loan applications or negotiates residential mortgage loan terms in Arizona. This requirement is mandated by the SAFE Act and the Arizona Department of Financial Institutions. 

This license is required of a natural person who for compensation or gain or in the expectation of compensation or gain does any of the following: (a)Takes a residential mortgage loan application. (b)Offers or negotiates terms of a residential mortgage loan. (c)On behalf of a borrower, negotiates with a lender or note holder to obtain temporary or permanent modification in an existing residential mortgage loan agreement.

AZ MLO Pre-Licensure Education: Completion of 24 hours of an NMLS approved pre-licensure education course, of which a minimum of 4 hours shall cover the provisions of Arizona Laws and Rules.  The 24hourEDU course includes all of these hours for individuals looking to earn their Arizona mortgage loan originator license.

The NMLS certification exam costs $110. The test is designed to thoroughly assess your knowledge while remaining achievable for well-prepared candidates. The passing threshold of 75% means you need to get 87 out of 115 questions correct. While the $110 SAFE MLO Exam fee represents an investment in your future, it’s quite reasonable compared to many professional certifications in Arizona, and thorough preparation will help ensure you make the most of this opportunity. With focused study and access to our included 500 practice questions, you’ll be well-positioned to demonstrate your expertise and achieve a passing score.

If you are a new MLO in Arizona, you will start by registering for your NMLS ID number, completing the required 24-training hours for Arizona, and passing the SAFE MLO Exam.  You can then apply by taking the following aciton in your NMLS account:

    • Submit to a criminal background check
    • Provide fingerprints to NMLS
    • Authorize the Registry to obtain a credit report
    • Pay all required fees
    • Activate your license through a mortgage lender

The training is just 24-hours long and the training can be completed in as little as four to five days.  The NMLS requires all students to finish the National 20-hour course in 14 days or less.  The required 20 hours of pre-licensing education typically includes:

  • 3 hours of federal law
  • 3 hours of ethics
  • 2 hours of non-traditional mortgage lending
  • 12 hours of electives – Our online MLO course dedicates all of these hours to preparing you for the SAFE MLO test for mortgage loan originator licensing.

Once your 20-hour course is complete with 24hourEDU, you can immediately access the 4-hour Arizona Laws Course in your online mortgage training account.

The typical timeline for an Arizona MLO application to be processed is:

  • Pre-licensing education: 14 days or less (you can finish in 4 days doing full time training)
  • SAFE MLO test preparation and passing: 1 week
  • Application processing: 2 weeks on average Total time: 6-14 weeks, depending on your preparation and the state’s current processing volume

Tip: The sooner you start, the sooner you will have your Arizona Mortgage Loan Originator License

The typical pre-licensing education courses cost $300-$500 with exam prep and the 4-hour Arizona Mortgage Law Course, but with 24hourEDU it’s just $189 with our current promotion and that includes everything.  We even include an Exam Prep Course for Arizona MLOs  START NOW!

Frequently asked Questions about 24hourEDU and How to Get your Mortgage License

According to a study performed by GLASSDOOR on June 6th, 2024, the average salary for a mortgage loan originator is around $177,000 per year with the top MLO’s making over $240,000 per year.

Glass Door Mortgage Loan Originator Salary range

Mortgage license training involves completing the 20-hour pre-licensure education course, passing a national exam, and meeting state-specific requirements. The training covers topics such as federal and state mortgage laws, ethics, loan origination, and consumer protection.

The duration of mortgage license training can vary, but most aspiring MLOs can complete the required pre-licensure education in 20-30 hours. This includes additional time for exam preparation.  24hourEDU includes a complete exam prep course for the SAFE MLO National Exam free of charge with our 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course.

  • 3 hours of ethics
  • 2 hours of non-traditional mortgage lending
  • 12 hours of electives – Our online MLO course dedicates all of these hours to preparing you for the SAFE MLO test for mortgage loan originator licensing.

The SAFE Act requires a minimum of 20 hours of pre-licensure education, which includes 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, plus 12 hours of general mortgage origination electives. Other states may require additional hours.

The 24hourEDU 20-hour course costs just $275 $189! The cost of mortgage pre-licensure education with other courses can range from $300 to $800 plus they have additional costs for exam prep courses and NMLS hour reporting fees.  24hourEDU does not nickel and dime you on this.  We include exam prep and the NMLS hour reporting fees in our tuition. Some students also ask:  Why is 24hourEDU so cheap? By keeping our tuition affordable, we get to train more MLO students than any other school, so that is a win for us.  By having the best price, we also help students get their mortgage license without spending an arm and a leg on the training. Everybody wins.

Yes, the 24hourEDU NMLS-approved course offers online mortgage license training. This allows for flexible scheduling and online learning, making it convenient for those who are working or have other commitments. Per NMLS regulations, the 20-hour course must be completed in 14 days or less from the start date.  All of the training and testing to pass your 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course will be done online in our learning management system.

Yes, after completing the pre-licensure education, you must pass the SAFE Mortgage Loan Originator Test. Our training includes guidance to study for the national component and, for many states, a state-specific component. The exam tests your knowledge of mortgage lending practices and relevant laws.

Mortgage license training courses typically cover federal and state mortgage laws, ethics, loan origination processes, financial calculations, credit analysis, types of mortgage products, and fair lending practices. 24hourEDU has specifically designed our course to prepare you for the SAFE MLO National Exam.

MLO licenses must be renewed annually. The renewal process involves completing state continuing education requirements and paying a renewal fee. The NMLS Annual Renewal Period begins Nov. 1 each year.  The renewal deadline each year is December 31st.

The Nationwide Multistate Licensing System & Registry (NMLS) is the system of record for MLO licensing and registration. It manages the pre-licensure education, testing, and continuing education requirements for MLOs across the United States. You will learn all about the NMLS while completing our 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course.

You cannot work as an MLO while completing your training. You must first complete the pre-licensure education, pass the SAFE MLO test, and obtain your license before you can legally originate mortgage loans.

While the SAFE Act establishes minimum national standards that cover this state, other states have additional requirements for MLO licensing. These may include a few more hours of state-specific pre-licensure education, or a different process for background check requirements.

After completing mortgage license training and obtaining your license, you can work as an MLO in various settings, including banks, credit unions, mortgage companies, or as an independent broker. With experience, you might advance to roles such as team leader, branch manager, or even open your own mortgage brokerage.

Yes, the 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course by 24hourEDU is 100% approved by the NMLS so you can get the core hours required to apply for a mortgage loan origination license. 24hourEDU is an approved NMLS Course Provider listed in the NMLS list of approved online mortgage education providers under ID: 1405107.