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Continuing Education

Online Self-Study

Use code SMASH24 to get your CE as low as $64.98!

Select Your States To Purchase Below

Enter the states you're licensed in:

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Recommended CE per your selection(s):

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Arizona's 4-hour RI and Utah's 5-hour Post-Licensure

are not included in the selector.

CLICK HERE for the AZ Responsible Individual Course Product

CLICK HERE for the UT 5-Hour Post Licensure Course Product

Select Your State-Specific Electives To Purchase Below

Enter the states you're licensed in:

Hours required: 


Recommended CE per your selection(s):

Please add 0 more course hours

Hours selected: 



Only state-specific CE hours will be added using this selector.

Only states with additional state-specific CE hours will show.

Arizona's 4-hour RI and Utah's 5-hour Post-Licensure

are not included in the selector.

CLICK HERE for the AZ Responsible Individual Course Product

CLICK HERE for the UT 5-Hour Post Licensure Course Product

Live With An MEC Instructor

Continuing Education Webinars


7 + 1 Hour CE Webinar - June 20th


7 + 1 Hour CE Webinar - July 11th

7 + 1 Hour CE Webinar - July 24th

7 + 1 Hour CE Webinar - July 25th


State Elective CE Webinars


7 + 1 Hour CA-DFPI CE Webinar - July 9th

7 + 1 Hour Florida CE Webinar - July 10th

7 + 1 Hour Arizona CE Webinar - July 23rd


State Elective CE Classrooms

Costa Mesa, CA - September 12th


NMLS License Renewal - Online CE Courses

Please note: NMLS Continuing Education or Late Continuing Education courses are only valid in the year purchased, so make sure your record shows them if you’ve taken them within the same year of purchase during your NMLS reinstatement period.

To access your NMLS continuing education online, you’ll need to log in from a computer as mobile devices such as smartphones or tablets are not supported for NMLS approved courses.

State-Specific Mortgage CE Requirements

Be sure to look up the specific NMLS CE renewal requirements for your own state, since some states include slight variations on the general registration renewal requirements. In any given state, you will need at least 8 hours of NMLS-approved education when you've submitted your renewal request and all applicable renewal fees.

The state-specific requirements cover state laws, topics and rules that pertain to that state. For example, Utah, West Virginia, and New York require 1, 2, and 3 state-focused hours, respectively, as part of their NMLS CE requirements. You will also want to look up a respective state's fees for renewal and plan for these.

Such states either (a) use your 1 hour of undefined class time for this purpose or (b) require that you take more than 8 total hours of CE classes. The linked resource above (especially page 4) lists the information you’ll need as you prepare for NMLS renewal.

Here is a helpful table to see how many NMLS continuing education hours are required in your state (note: these are only states with agencies that require specific hours as part of their renewal requirements)

Just as doctors and lawyers have ongoing medical and legal training, loan officers need to continue taking education courses in order to renew their NMLS licenses. This ensures that mortgage loan originators (MLOs) have the knowledge needed to do their jobs correctly, year in and year out. Any mortgage loan originator who fails to do so by December 31st, their NMLS licenses become “inactive” and cannot be renewed until they are reactivated. In some states, they are even placed in a terminated/expired status..

If you're an MLO wondering when and where to take your next NMLS renewal mortgage CE course, check out our guide below. We'll explain everything you need to know about mortgage NMLS CE courses and renewal requirements.

NMLS Mortgage CE Course Requirements

Every state requires MLOs to complete 8 hours of NMLS-approved online classes before processing their annual renewal request application. To begin this coursework, you'll need to create an NMLS account, which will grant you an NMLS ID Number, which can be confirmed with your provider.

The SAFE Act requires MLOs with a state license to complete additional education requirements, including:

  • 3 hours of federal law and regulations

  • 2 hours of ethics

  • 2 hours of training on lending standards for nontraditional mortgages

  • 1 hour of undefined courses on mortgage origination

Many MLOs are unaware of the nuances when it comes to continuing education (CE) rules. Here are some lesser-known policies to be aware of when completing the required NMLS renewal courses:

  • CE can be completed any time up until the renewal date, meaning MLOs can start working on them as early as January 1st.

  • CE must be completed in the same year of licensure, unless federal PE was completed in the same year.

  • A late CE is required for an MLO returning to the industry.

Upcoming NMLS Continuing Education Deadlines

Each state has different education completion deadlines. Please double-check your state's renewal period and deadlines with the NMLS. Remember the NMLS SMART Deadline to complete your Continuing Education is on Friday, December 8th.

*NOTE: MLOs newly licensed by UT-DRE between November 1, 2022 - October 31, 2023, are required to complete a 5-hour post-licensure course before their first renewal. This 5-hour course is required and must be completed by October 24, 2024 to be able to request their renewal on November 1st, 2024, or the course must be completed and ready to process by December 24, 2024 to request an on-time renewal. This is in addition to the 9 hours of annual CE already required for MLOs (8hrs + 1hrs of UT-specific).

Continuing Education Course Access will end on Tuesday, December 31st.

No refunds will be granted to those with unfinished courses due to this deadline.

NMLS-Approved Late Continuing Education

  • If CE hour requirements change, the MLO must meet the new requirements after the effective date of the new requirement documentation.

  • If an MLO gets their license between November 1st and December 31st, they will not have to complete CE that year.

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Late Continuing Education is required for all MLO's who once had an active license, who want to reactivate their license. Please note that requirements vary by state, so check the NMLS renewal checklists and fees listed.

We recommend calling the NMLS to see what may be required.

NMLS phone # 855-665-7123

Why MLOs Like Mortgage Educators Online CE Renewal Courses

Flexible and Valuable

Our industry-leading pricing means you get incredible value no matter which course you're taking. We offer a price match guarantee, making us the best option no matter what the competition may offer. When you complete your NMLS CE with Mortgage Educators, you can choose the classroom format that works for you, whether it's in person, a live webinar, or an online self-study course with webinar recordings. All formats include engaging, relevant content and excellent customer support.

Well-Reviewed and Dependable

With strong MLO testimonials, high reviews on TrustPilot, and Google reviews, Mortgage Educators is the clear choice for your CE courses when you're ready to renew your license. When you have to complete CE courses every year, it's smart to stick with a provider you can rely on. Mortgage Educators stands out as the premier CE provider for our fresh content, high reviews, and expert team. The Successive Years Rule has led some MLOs to believe the myth that they must take CE from a different provider every year, when really the rule simply states that they cannot take the same course two years in a row. Fortunately, Mortgage Educators writes a brand new course every year, meaning you'll always get the most relevant education, and you'll never have to worry about whether or not you're meeting the Successive Years Rule requirement

What to Look For in a CE Provider

Fresh Content

Choosing a CE provider with fresh content will ensure you meet the Successive Years Rule and never inadvertently take the same course two years in a row. If a provider offers multiple CE courses, there's no way of knowing when each one was created so their mortgage training may be out-of-date. It's much better to go with a provider that is constantly creating new content to meet new guidelines.

Multiple Formats

Everyone has their own preferred learning style. While some may flourish with in-person classes, others may want an online course that can be completed on-the-go. When selecting a CE provider, it’s best to choose one which offers multiple course formats and instruction styles so that you'll be able to learn in your preferred format, style, and schedule.


Before choosing a CE provider, make sure you do your research to see what others are saying about them. Do they have good Google and Trustpilot reviews? Do they have positive comments on social media? The best CE providers will have a strong online reputation and a good sampling of customer testimonials.

Don’t have your NMLS license yet?

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