# Mortgage Education > Online mortgage broker and Mortgage Loan Originator (MLO) training and continuing education across the United States. NMLS-approved pre-licensing, exam prep, and CE courses for loan officers, plus consumer home-buying guidance. ## Key Pages - [Blog](https://www.mortgage-education.com/blog): Articles on mortgage education, NMLS licensing, home buying, and industry guidance. - [LLM Answers](https://www.mortgage-education.com/blog/category/llm-answers): Direct question-and-answer articles covering common queries about mortgage licensing, NMLS, and continuing education. ## State Pages State-specific licensing requirements and continuing education resources: - [Alabama licensing & education](https://www.mortgage-education.com/state/AL) - [Alaska licensing & education](https://www.mortgage-education.com/state/AK) - [American Samoa licensing & education](https://www.mortgage-education.com/state/AS) - [Arizona licensing & education](https://www.mortgage-education.com/state/AZ) - [Arkansas licensing & education](https://www.mortgage-education.com/state/AR) - [California licensing & education](https://www.mortgage-education.com/state/CA) - [Colorado licensing & education](https://www.mortgage-education.com/state/CO) - [Connecticut licensing & education](https://www.mortgage-education.com/state/CT) - [Delaware licensing & education](https://www.mortgage-education.com/state/DE) - [District Of Columbia licensing & education](https://www.mortgage-education.com/state/DC) - [Florida licensing & education](https://www.mortgage-education.com/state/FL) - [Georgia licensing & education](https://www.mortgage-education.com/state/GA) - [Guam licensing & education](https://www.mortgage-education.com/state/GUAM) - [Hawaii licensing & education](https://www.mortgage-education.com/state/HI) - [Idaho licensing & education](https://www.mortgage-education.com/state/ID) - [Illinois licensing & education](https://www.mortgage-education.com/state/IL) - [Indiana licensing & education](https://www.mortgage-education.com/state/IN) - [Iowa licensing & education](https://www.mortgage-education.com/state/IA) - [Kansas licensing & education](https://www.mortgage-education.com/state/KS) - [Kentucky licensing & education](https://www.mortgage-education.com/state/KY) - [Louisiana licensing & education](https://www.mortgage-education.com/state/LA) - [Maine licensing & education](https://www.mortgage-education.com/state/ME) - [Maryland licensing & education](https://www.mortgage-education.com/state/MD) - [Massachusetts licensing & education](https://www.mortgage-education.com/state/MA) - [Michigan licensing & education](https://www.mortgage-education.com/state/MI) - [Minnesota licensing & education](https://www.mortgage-education.com/state/MN) - [Mississippi licensing & education](https://www.mortgage-education.com/state/MS) - [Missouri licensing & education](https://www.mortgage-education.com/state/MO) - [Montana licensing & education](https://www.mortgage-education.com/state/MT) - [Nebraska licensing & education](https://www.mortgage-education.com/state/NE) - [Nevada licensing & education](https://www.mortgage-education.com/state/NV) - [New Hampshire licensing & education](https://www.mortgage-education.com/state/NH) - [New Jersey licensing & education](https://www.mortgage-education.com/state/NJ) - [New Mexico licensing & education](https://www.mortgage-education.com/state/NM) - [New York licensing & education](https://www.mortgage-education.com/state/NY) - [North Carolina licensing & education](https://www.mortgage-education.com/state/NC) - [North Dakota licensing & education](https://www.mortgage-education.com/state/ND) - [Ohio licensing & education](https://www.mortgage-education.com/state/OH) - [Oklahoma licensing & education](https://www.mortgage-education.com/state/OK) - [Oregon licensing & education](https://www.mortgage-education.com/state/OR) - [Pennsylvania licensing & education](https://www.mortgage-education.com/state/PA) - [Puerto Rico licensing & education](https://www.mortgage-education.com/state/PR) - [Rhode Island licensing & education](https://www.mortgage-education.com/state/RI) - [South Carolina licensing & education](https://www.mortgage-education.com/state/SC) - [South Dakota licensing & education](https://www.mortgage-education.com/state/SD) - [Tennessee licensing & education](https://www.mortgage-education.com/state/TN) - [Texas licensing & education](https://www.mortgage-education.com/state/TX) - [Utah licensing & education](https://www.mortgage-education.com/state/UT) - [Vermont licensing & education](https://www.mortgage-education.com/state/VT) - [Virgin Islands licensing & education](https://www.mortgage-education.com/state/VI) - [Virginia licensing & education](https://www.mortgage-education.com/state/VA) - [Washington licensing & education](https://www.mortgage-education.com/state/WA) - [West Virginia licensing & education](https://www.mortgage-education.com/state/WV) - [Wisconsin licensing & education](https://www.mortgage-education.com/state/WI) - [Wyoming licensing & education](https://www.mortgage-education.com/state/WY) ## FAQs - [Frequently Asked Questions](https://www.mortgage-education.com/FAQs): Common questions about NMLS licensing, mortgage education, and continuing education requirements. ## Blog Posts - [NMLS Continuing Education Requirements by State](https://www.mortgage-education.com/blog/nmls-continuing-education-requirements-by-state): Most mortgage loan originators need 8 hours of NMLS-approved continuing education each year. The standard requirement generally includes 3 hours of federal law, 2 hours of ethics, 2 hours of nontraditional mortgage lending, and 1 hour of elective education. However, several states require the elective hour to be state-specific, and a few states require more than 8 total hours. Because NMLS continuing education requirements can vary by license authority, MLOs should always confirm their exact requirements in NMLS before renewal. - [How Many Hours of NMLS Continuing Education Do I Need?](https://www.mortgage-education.com/blog/how-many-hours-of-nmls-continuing-education-do-i-need): Most mortgage loan originators need 8 hours of NMLS continuing education each year. However, the exact number can depend on the state or states where the MLO is licensed. Some states accept the standard 8-hour SAFE Act CE course, while others require state-specific education or more than 8 total hours. If you are licensed in more than one state, do not assume one generic 8-hour course satisfies every license. Review your NMLS record and confirm the CE requirements for each state license before renewal. - [Mortgage Loan Originator Education Requirements | MLO Licensing Guide](https://www.mortgage-education.com/blog/mortgage-loan-originator-education-requirements): If you want to become a mortgage loan originator, education is one of the first major steps in the licensing process. Before most state-licensed MLOs can originate residential mortgage loans, they must complete required pre-licensing education, pass the required exam, apply through NMLS, and satisfy state-specific licensing rules. The standard national education requirement for state-licensed mortgage loan originators is 20 hours of NMLS-approved pre-licensing education. This requirement comes from the SAFE Act, which created national minimum standards for mortgage loan originator licensing. However, the 20-hour requirement is only the starting point. Some states require additional state-specific education. Some require certain topics to be included within the 20 hours. Others require separate state law courses. That is why future MLOs should understand both the national requirement and the specific rules for the state where they plan to become licensed. - [8 Effective Marketing Strategies for Mortgage Brokers and Loan Officers](https://www.mortgage-education.com/blog/8-effective-marketing-strategies-for-mortgage-brokers-and-loan-officers): As a mortgage professional , it is crucial to consistently expand your business while managing relationships and guiding clients through the mortgage process… - [Which NMLS Continuing Education Format Is Right for You?](https://www.mortgage-education.com/blog/which-nmls-continuing-education-format-is-right-for-you): MLOs have options when it comes to completing Continuing Education. The right format isn’t about what looks good on paper, it’s about what actually fits your… - [Why Mortgage Bankers Are the New Prime Targets for Phishing and How to Stop the Attack Before It Starts](https://www.mortgage-education.com/blog/why-mortgage-bankers-are-the-new-prime-targets-for-phishing-and-how-to-stop-the-attack-before-it-starts): Mortgage lenders sit at the crossroads of data and dollars. Every loan file holds more than a property transaction, it’s a trove of personal information, from… - [How many CE hours does an MLO need each year?](https://www.mortgage-education.com/blog/how-many-ce-hours-does-an-mlo-need-each-year): The minimum is 8 hours annually, but several states require more. New Jersey requires 12 hours, New York 11, Oregon 10, and several others require a mandatory state-specific elective on top of the federal core. Here's the full breakdown by state for 2026. - [Social Media Content Ideas for Loan Officers in 2026](https://www.mortgage-education.com/blog/social-media-content-ideas-for-loan-officers-in-2026): Are you looking to grow your online presence , build trust with potential clients, and generate more leads — without running a single paid ad? Social media is… - [2026 NMLS Continuing Education Requirements](https://www.mortgage-education.com/blog/2026-nmls-continuing-education-requirements): If you're a licensed mortgage loan originator (MLO), you've likely heard the phrase "NMLS continuing education" more times than you'd care to count. And yet… - [Explaining Complex Mortgage Products in Plain Language](https://www.mortgage-education.com/blog/explaining-complex-mortgage-products-in-plain-language): One of the most valuable skills a mortgage professional can develop is the ability to simplify complexity without oversimplifying risk. Borrowers do not… - [Five Ways to Stand Out as a Mortgage Loan Officer in 2026](https://www.mortgage-education.com/blog/five-ways-to-stand-out-as-a-mortgage-loan-officer-in-2026): The mortgage world is changing fast. AI is now part of daily operations, regulations are tightening, and borrowers expect speed, clarity, and real guidance. In… - [New Course: Appraiser Independence Training for Fannie Mae Seller/Servicers](https://www.mortgage-education.com/blog/new-course-appraiser-independence-training-for-fannie-mae-sellerservicers): The Regulatory Mandate: Is Your Team Ready? Fannie Mae is clear: Seller/servicers must maintain written policies and procedures to ensure appraisal compliance. This isn't just a best practice—it is a core regulatory requirement. Specifically, Fannie Mae mandates adequate, ongoing training for every team member involved in the appraisal and collateral review process. With the November 2, 2026, UAD 3.6 mandate now on the horizon, the pressure to overhaul internal workflows is mounting. If your staff hasn't been brought up to speed on the new ANSI Z765-2021 measurement standards or the requirements of the redesigned URAR/UAD 3.6 format, your firm is at risk. Our new course satisfies this training mandate, ensuring your team is fully equipped to handle the shift to data-driven reporting before the deadline hits. - [How to Take Your NMLS Exam](https://www.mortgage-education.com/blog/how-to-take-your-nmls-exam): The NMLS exam has two parts: a 125-question National Component covering federal mortgage law, ethics, and loan origination, and a 25-question State Component covering your state's specific regulations. This guide walks through how to prepare — from building a study plan and using practice exams, to what to bring on test day and how to navigate the exam interface. - [Tips on How To Pass The NMLS Exam](https://www.mortgage-education.com/blog/tips-on-how-to-pass-the-nmls-exam): The NMLS exam is tough — but passable on the first try with the right approach. These 10 tips cover everything from choosing a quality PE course and using process of elimination, to managing your time during the test and why you should answer every single question. ## Sitemaps - [Blog sitemap (XML)](https://www.mortgage-education.com/sitemap-blog.xml) - [Site sitemap (XML)](https://www.mortgage-education.com/sitemap-me.xml)