NMLS-Approved Mortgage Continuing Education

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Choose the NMLS-approved mortgage continuing education course that is right for you

Our NMLS-approved mortgage loan originator (MLO) CE courses help you stay licensed and compliant. Our 8-hour mortgage SAFE comprehensive course is designed specifically for mortgage loan officers and is offered as an online, self-paced or audio course. 

8 Hour SAFE Comprehensive: Compliance Risks You Need to Know 2018 Audio CE

SKU : 4303US18140A00

Credit Hours | 8

Category | Comprehensive

$160.00

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Sit back and listen to your mortgage continuing education! State regulators and the MMC have uncovered topics that pose compliance risks and are mandated to be covered in 2018 CE! Students will focus on compliance issues related to RESPA, TILA and ECOA. Students will then delve into the BSA, identity theft and prohibited telemarketing practices. Students will continue with a look at nontraditional products. This mortgage CE audio course concludes with an overview of the changes to HMDA effective in 2018. Examples and case studies throughout the course provide real-life examples of the topics discussed.

8 Hour SAFE Comprehensive: Examining Industry Issues in Today's Mortgage Market (OSP)

SKU : 4303US18000A00

Credit Hours | 8

Category | Comprehensive

$129.00

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As the mortgage industry continues to evolve, mortgage loan originators must stay abreast of the topics most pertinent to their everyday business. Examining Industry Issues in Today’s Mortgage Market provides a review of relevant issues facing mortgage loan originators today, specifically those outlined by NMLS as required topics for continuing education. Students will examine provisions of the Real Estate Settlement Procedures Act, the Truth-in-Lending Act, and the TILA-RESPA Integrated Disclosure Rule, specifically rules for filling out the Loan Estimate and Closing Disclosure for both a fixed-rate and an adjustable-rate mortgage transaction. In addition, students will take a look at the new Uniform Residential Loan Application and provisions of the law related to money laundering in the mortgage industry. This online course is NMLS-approved for eight hours of continuing education required for mortgage loan originators, as specified by the SAFE Mortgage Licensing Act. Annual SAFE Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education, for a total of eight hours.

7 Hour SAFE Core: Compliance Risks You Need to Know 2018 Audio CE

SKU : 4303US18150A00

Credit Hours | 7

Category | Comprehensive

$160.00

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Sit back and listen to your continuing education! State regulators and the MMC have uncovered topics that pose compliance risks and are mandated to be covered in 2018 CE! Students will focus on compliance issues related to RESPA, TILA and ECOA. Students will then delve into the BSA, identity theft and prohibited telemarketing practices. Students will conclude with a look at nontraditional products. Examples and case studies throughout this mortgage CE audio course provide real-life examples of the topics discussed.

7 Hour SAFE Core: Examining Industry Issues in Today's Mortgage Market (OSP)

SKU : 4303US18010A00

Credit Hours | 7

Category | Comprehensive

$129.00

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As the mortgage industry continues to evolve, mortgage loan originators must stay abreast of the topics most pertinent to their everyday business. Examining Industry Issues in Today’s Mortgage Market provides a review of relevant issues facing mortgage loan originators today, specifically those outlined by NMLS as required topics for continuing education. Students will examine provisions of the Real Estate Settlement Procedures Act, the Truth-in-Lending Act, and the TILA-RESPA Integrated Disclosure Rule, specifically rules for filling out the Loan Estimate and Closing Disclosure for both a fixed-rate and an adjustable-rate mortgage transaction. In addition, students will take a look at the new Uniform Residential Loan Application and provisions of the law related to money laundering in the mortgage industry. This onlinecourse is NMLS-approved for seven hours of core continuing education required for mortgage loan originators, as specified by the SAFE Mortgage Licensing Act. Annual SAFE Act continuing education requirements include three hours of federal law, two hours of ethics, two hours of nontraditional mortgage lending, and one hour of elective education, for a total of eight hours.

3 Hour SAFE Federal Law: Challenges of TILA, RESPA, and TRID Rule Compliance (OSP)

SKU : 4303US18500A00

Credit Hours | 3

Category | Elective

$54.00

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Since the TRID Rule became effective in October 2015, the mortgage industry has focused on preparing and offering Loan Estimates and Closing Disclosures in compliance with its provisions. As loan originators gain familiarity with these requirements, it is important to review some of the TILA and RESPA regulations that are not related to the TRID Rule. With the use of a fictitious scenario that describes a lending transaction for a fixed-rate conventional mortgage, this mortgage CE online course illustrates the challenges of TRID Rule compliance. This course also reviews TILA’s general goals and provides an overview of its rules for rescission and advertising. Finally, this course will conclude with a look at transactions in which mortgage lenders continue to use RESPA disclosures to offer cost estimates and statements of actual charges.

2 Hour SAFE Ethics: Using the URLA to Prevent Fraud and Money Laundering (OSP)

SKU : 4303US18300A00

Credit Hours | 2

Category | Elective

$44.00

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Transactions for home loans represent a number of ethical issues that range from the obligation of lenders to use fair lending practices to the responsibility of borrowers to provide truthful information on loan applications. As the individuals who negotiate the terms and conditions for mortgage credit, loan originators serve as ethical gatekeepers who can protect consumers from unethical lending practices and safeguard lenders from the actions of unethical borrowers who are attempting to commit crimes such as mortgage fraud and money laundering. This mortgage CE online course will review the new Uniform Residential Loan Application and the ethical issues that arise as loan originators complete each section of it, as well as issues related to money laundering. This online course satisfies the two-hour ethics continuing education requirement for loan originators, as specified by the federal SAFE Mortgage Licensing Act.

2 Hour SAFE Nontraditional: TRID Requirements for Nontraditional Loans (OSP)

SKU : 4303US18400A00

Credit Hours | 2

Category | Elective

$44.00

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While the majority of consumers apply for 30-year fixed-rate loans, there are those who need nontraditional options. This mortgage CE online course offers a description of a loan originator’s transaction with a consumer who has a short-term interest in a home that the consumer is purchasing. Recognizing that a nontraditional product may best meet the consumer’s needs, the originator faces the challenges of satisfying TRID Rule requirements that only apply to transactions for nontraditional mortgages. This course will also provide an overview of options that may be available in the nonconventional mortgage market when nontraditional loan options in the conventional market are limited. Finally, the course will describe some of the products that lenders are currently offering in the nontraditional mortgage market, such as nonqualified mortgages and bank-statement loans.

2 Hour SAFE Elective: Disclosures Required for Mortgage Transactions (OSP)

SKU : 4303US18250A00

Credit Hours | 2

Category | Elective

$44.00

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Clear communication between a mortgage professional and a client is imperative to ensuring the success of a loan transaction. Throughout the mortgage loan process, many events trigger the requirement to disclose information to the client. Changes in information can also demand the disclosure – and at times, even re-disclosure – of information. As a result, it is vital that mortgage professionals are aware of the many disclosure rules with which they must comply, and of the timelines that apply for delivery. Late, incomplete, or inaccurate disclosures can be catastrophic for a single transaction and for the general public’s trust in the mortgage industry. This mortgage CE online course will review the numerous federal laws that impose disclosure obligations on mortgage loan transactions and their requirements, including those for contents, delivery, corrections, and more.

1 Hour SAFE Elective: Reviewing the Rules for HELOC Originations (OSP)

SKU : 4303US18200A00

Credit Hours | 1

Category | Elective

$39.00

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A home equity line of credit (HELOC) is an open-end home equity loan which allows consumers to obtain mortgage credit based on the equity in their home and to draw cash from the credit line up to an established limit. HELOCs are subject to a distinct set of rules, and they have unique features which set them apart from closed-end mortgages. This mortgage CE online course will review the characteristics of a HELOC, as well as the regulatory requirements for originating them. This online course satisfies the one-hour elective continuing education requirement for loan originators, as specified by the federal SAFE Mortgage Licensing Act.

Your Success is Our #1 Priority

OnCourse Learning empowers aspiring mortgage loan originators (MLOs) and seasoned mortgage loan officers to take their learning experience to the next level. Get and maintain your NMLS license with:

  • NMLS approved mortgage pre-licensing, continuing education and late CE courses
  • NMLS test prep tools to help you pass your NMLS license exam
  • Over 20 years of mortgage education experience

We’ve helped over 300,000 mortgage brokers begin and advance their careers. Get started today!

National Mortgage License Guidelines

Learn about National mortgage education requirements for mortgage licensing.

Licensing requirements for mortgage loan originators vary by state. In most states, mortgage loan originators are required to:

  1. Complete a Criminal Background Check (CBC).
  2. Authorize a credit report through the NMLS that demonstrates financial responsibility.
  3. Fulfill all state and federal education requirements as designated by your state agency.
  4. Take and pass the National Component.
  5. Surety Bond/Recovery Fund: Every mortgage loan originator must be covered under a surety bond or recovery fund.

NMLS Pre-Licensing Education Requirements:

Mortgage loan originators are required to complete a minimum of 20 hours of NMLS-approved education. This includes:

  • 3 hours of federal law
  • 3 hours of ethics
  • 2 hours of non-traditional mortgage lending training
  • 12 hours of electives

Some state agencies require additional state-specific education.

NMLS Continuing Education Requirements:

Mortgage loan originators are required to complete a minimum of 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:

  • 3 hours of federal law
  • 2 hours of ethics
  • 2 hours of non-traditional mortgage lending
  • 1 hour of elective education

Some state agencies require additional state-specific education. MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.

NMLS Resources: